Stocktoria
PEOPLES BANCORP OF NORTH CAROLINA INC PEBK
PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 2.23% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| PEBK | PEOPLES BANCORP OF NORTH CAROLINA INC | 5/9 | — | 11.8 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About PEOPLES BANCORP OF NORTH CAROLINA INC
Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various banking products and services for individuals and small-to medium-sized businesses in the North Carolina, United States. The company offers deposit products. It also originates commercial real estate loans, commercial loans, construction and land development loans, single-family residential mortgage loans, as well as agricultural loans. In addition, the company provides investment counseling and non-deposit investment products, such as stocks, bonds, mutual funds, tax deferred annuities, and related brokerage services; and real estate appraisal and brokerage services. Further, it operates as a clearinghouse for the provision of appraisal services for community banks; and acquires, manages, and disposes of real property, other collateral, and other assets obtained in the ordinary course of collecting debts. The company was founded in 1912 and is headquartered in Newton, North Carolina.
FAQ
Is PEBK financially healthy?
PEOPLES BANCORP OF NORTH CAROLINA INC's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does PEBK pay a dividend, and is it safe?
Yes. PEOPLES BANCORP OF NORTH CAROLINA INC pays a dividend yielding about 2.23% with a 26.5% payout ratio, rated “safe” for safety.
How profitable is PEBK?
In FY2025, PEOPLES BANCORP OF NORTH CAROLINA INC had a return on equity of 12.6%.
Is PEBK overvalued or undervalued?
PEOPLES BANCORP OF NORTH CAROLINA INC trades at about 12.4× trailing earnings — near its 10-year norm (10-year range 9.6×–18.6×, median 11.6×). Stocktoria reports the data, not buy/sell advice.
Is PEBK a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on PEOPLES BANCORP OF NORTH CAROLINA INC: a Piotroski F-score of 5/9, a P/E of about 11.8×, a dividend yield of 2.23%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.