NASDAQ: PEBKPeoples Bancorp Of North Carolina Inc Stock
$27.80+0.25 (+0.91%)
Updated Apr 18, 2024
PEBK Price
$27.80
Fair Value Price
$72.47
Market Cap
$151.68M
52 Week Low
$16.35
52 Week High
$30.99
P/E
9.69x
P/B
1.25x
P/S
2.25x
PEG
2.57x
Dividend Yield
3.31%
Revenue
$76.07M
Earnings
$15.55M
Gross Margin
100%
Operating Margin
26.19%
Profit Margin
20.4%
Debt to Equity
12.52
Operating Cash Flow
$23M
Beta
0.84
Next Earnings
Apr 22, 2024
Ex-Dividend
N/A
Next Dividend
N/A
PEBK Overview
Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various commercial and consumer banking products and services to individuals and small to medium-sized businesses. It offers checking, savings, money market, and time deposits; demand deposits; and certificates of deposit, as well as borrowed funds. The company's loan products comprise commercial real estate, commercial, construction and land development, single-family residential, residential mortgage, and individual taxpayer identification number mortgage loans, as well as agricultural loans. It also 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. In addition, the company operates as a clearing-house for the provision of appraisal services for community banks; and acquires, manages, and disposes real property, other collateral, and other assets obtained in the ordinary course of collecting debts, as well as offers insurance agency services. As of December 31, 2021, it operated 17 banking offices located in Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, Charlotte, Cornelius, Mooresville, Raleigh, and Cary, North Carolina. The company also operates loan production offices in Charlotte, Denver, Salisbury, and Winston-Salem, North Carolina. Peoples Bancorp of North Carolina, Inc. was founded in 1912 and is headquartered in Newton, North Carolina.
Zen Score
–
Industry Average (33)
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Due Diligence Checks
PEBK ($27.80) is undervalued by 61.64% relative to our estimate of its Fair Value price of $72.47 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
PEBK ($27.80) is significantly undervalued by 61.64% relative to our estimate of its Fair Value price of $72.47 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
PEBK ($27.80) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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PEBK News
Valuation
PEBK fair value
Fair Value of PEBK stock based on Discounted Cash Flow (DCF)
Price
$27.80
Fair Value
$72.47
Undervalued by
61.64%
PEBK ($27.80) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
PEBK ($27.80) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
PEBK ($27.80) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
PEBK price to earnings (PE)
For valuing profitable companies with steady earnings
Company
9.69x
Industry
-10.84x
Market
41.33x
PEBK is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
PEBK is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
PEBK price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.25x
Industry
0.95x
PEBK is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
PEBK price to earnings growth (PEG)
For valuing profitable companies with growth potential
PEBK is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
PEBK's financial health
Profit margin
Revenue
$19.0M
Net Income
$3.4M
Profit Margin
18.1%
PEBK's Earnings (EBIT) of $19.92M... subscribe to Premium to read more.
Interest Coverage Financials
PEBK's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.6B
Liabilities
$1.5B
Debt to equity
12.52
PEBK's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
PEBK's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$5.7M
Investing
-$13.5M
Financing
$13.6M
PEBK's operating cash flow ($22.78M)... subscribe to Premium to read more.
Debt Coverage Financials
PEBK vs Bank Stocks
Peoples Bancorp Of North Carolina Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.