Stocktoria

PEOPLES BANCORP OF NORTH CAROLINA INC PEBK

Nasdaq · stock · State Commercial Banks · website · IPO 1985-10-16

PEOPLES BANCORP OF NORTH CAROLINA INC statistics & valuation

Market cap$234.9M
P / E11.8×
P / B1.5×
P / FCF11.8×
Dividend yield2.23%
Return on equity12.6%
Graham number +7.9%$48.36

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($48.36); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
8.50% 8.90% 10.80% 10.50% 8.10% 10.60% 15.30% 12.80% 12.50% 12.60% 2016201720182019202020212022202320242025
Shares outstanding
6.1M 6.1M 6.0M 6.0M 5.8M 5.66B 5.7M 5.6M 5.5M 5.5M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.80% 0.90% 1.20% 1.20% 0.80% 0.90% 1.00% 1.00% 1.00% 1.20% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$1.50 $1.69 $2.22 $2.36 $1.95 $2.63 $2.85 $2.77 $2.98 $3.62 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

PEOPLES BANCORP OF NORTH CAROLINA INC trades at about 12.4× earnings — near its 10-year norm (10-year range 9.6×–18.6×, median 11.6×).

9.6× 18.6×

Shaded band = 10-year range (9.6×–18.6×); dot = today's 12.4×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets1.2%1.0%1.0%1.0%0.9%0.8%1.2%1.2%0.9%0.8%
Return on equity12.6%12.5%12.8%15.3%10.6%8.1%10.5%10.8%8.9%8.5%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.