Peoples Bancorp of North Carol (PEBK)

Price$41.09

Favorite Metrics

Price vs S&P 500 (26W)32.59%

Price vs S&P 500 (4W)5.89%

Market Capitalization$227.47M

P/E Ratio (Annual)11.47x

Indicated Dividend Yield (Annual)2.02%

All Metrics

P/CF (Annual)10.64x

Book Value / Share (Quarterly)$28.78

Indicated Dividend (Annual)$0.80

Cash Flow / Share (Quarterly)$3.66

Payout Ratio (TTM)26.46%

Price vs S&P 500 (YTD)12.27%

EPS (TTM)$3.62

10-Day Avg Trading Volume0.04M

EPS Excl Extra (TTM)$3.62

EPS (Annual)$3.62

Dividend / Share (Annual)$0.96

ROI (Annual)11.49%

P/E Basic Excl Extra (TTM)11.47x

EPS Growth (5Y)13.18%

P/E Normalized (Annual)11.47x

ROA (Last FY)1.16%

EBITD / Share (TTM)$5.22

ROE (5Y Avg)12.79%

Cash Flow / Share (Annual)$3.66

P/B Ratio1.45x

P/B Ratio (Quarterly)1.26x

Net Income / Employee (Annual)$0

ROA (TTM)1.16%

EPS Growth QoQ (YoY)86.55%

EV / EBITDA (TTM)8.50x

EPS Incl Extra (Annual)$3.62

3-Month Avg Trading Volume0.02M

52-Week Price Return59.26%

EV / Free Cash Flow (Annual)12.17x

P/E Incl Extra (TTM)11.47x

52-Week High$42.36

EPS Excl Extra (Annual)$3.62

CapEx CAGR (5Y)-10.71%

26-Week Price Return36.57%

13-Week Price Return14.85%

Total Debt / Equity (Annual)0.10x

Enterprise Value$242.935

Book Value / Share Growth (5Y)3.59%

3-Month Return Std Dev20.98%

Net Income / Employee (TTM)$0

EBITDA CAGR (5Y)9.66%

EBITDA Interim CAGR (5Y)22.59%

ROE (Last FY)12.62%

EPS Basic Excl Extra (Annual)$3.62

P/FCF (TTM)11.40x

EV / Free Cash Flow (TTM)12.17x

Total Debt / Equity (Quarterly)0.10x

EPS Incl Extra (TTM)$3.62

ROI (TTM)12.19%

Dividend Growth Rate (5Y)5.08%

Free OCF CAGR (5Y)24.51%

Price vs S&P 500 (52W)29.43%

P/E Ratio (TTM)11.47x

EPS Growth TTM (YoY)21.53%

Year-to-Date Return14.92%

5-Day Price Return-0.86%

EPS Normalized (Annual)$3.62

ROA (5Y Avg)1.00%

Month-to-Date Return6.23%

EBITD / Share (Annual)$5.23

EPS Growth (3Y)8.37%

LT Debt / Equity (Annual)0.10x

P/CF (TTM)10.64x

ROI (5Y Avg)9.40%

P/E Excl Extra (TTM)11.47x

LT Debt / Equity (Quarterly)0.10x

EPS Basic Excl Extra (TTM)$3.62

Payout Ratio (Annual)26.46%

P/B Ratio (Annual)1.26x

Dividend / Share (TTM)$0.96

Book Value / Share (Annual)$28.78

Price vs S&P 500 (13W)14.17%

Dividend Yield (TTM)2.31%

Beta0.34x

P/FCF (Annual)11.40x

ROE (TTM)13.46%

52-Week Low$25.10

Industry Peers — State Banks(184)

Symbol	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
PEBKPeoples Bancorp of North Carol	1.26x	13.46%	1.16%	—	$41.09
ITUBItau Unibanco Holding S.A. American Depositary Shares	2.03x	20.76%	1.50%	—	$9.33
BNSBank of Nova Scotia	1.45x	10.41%	0.62%	—	$75.00
BKBank of New York Mellon Corporation	1.83x	12.66%	1.20%	—	$134.84
FITBFifth Third Bancorp	1.42x	11.96%	1.19%	—	$49.52
FITBIFifth Third Bancorp Depositary Shares	1.42x	11.96%	1.19%	—	$25.32
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	1.42x	11.96%	1.19%	—	$25.83
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	1.42x	11.96%	1.19%	—	$19.38
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A	1.42x	11.96%	1.19%	—	$24.05
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	1.04x	9.84%	0.81%	—	$4.15
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	1.04x	9.84%	0.81%	—	$3.72

About

Peoples Bancorp of North Carolina is a state-chartered bank holding company operating primarily in the North Carolina Piedmont region, serving markets from Lincolnton to Raleigh. The company maintains a diversified loan portfolio with minimal exposure to foreign and agricultural loans. Revenue is primarily derived from dividends distributed by its banking subsidiary.