Peoples Bancorp of North Carolina Inc
Peoples Bancorp of North Carolina Inc (PEBK) is listed on NASDAQ and classified in Banks - Regional, part of the Financial Services sector. It is headquartered in Newton, United States and has 268 employees. The company is worth $235.84M and trades at 12.2x its earnings of the last twelve months; the median for its sector is 13.2x. Revenue was $90M in fiscal 2025, up 10.0% from the year before. Net income was $19.83M. The share price is 3.2% below its 52-week high of $45.78. It pays a dividend yielding 1.90%, and has raised its annual dividend for 14 years in a row in our records. 4 of the 38 superinvestors we track held it at the end of Q2 2026. The largest position belongs to Ken Griffin (Citadel Advisors), at $1.8M. In that quarter, 1 of them opened or added to the position. No open-market insider trades in it were filed over the last 30 days.
Written from the data on this page: SEC filings (13F, Form 4, annual reports) and market prices.
Year by year, from the annual reports; dividends from the payments themselves.
Bars are year-end balances; lines are what happened during the year.
Major managers that reported this stock in their latest 13F.
▲ +54.7% over 5Y.
today you would have $1,850.38▲ +85.0%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 17 closed years, each at that year’s closing price and reported numbers.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $36.20 | $31.25 | $30.94 | $32.56 | $27.59 | $23.02 | $32.85 | $24.46 | $30.69 | $22.79 | $17.58 | $16.35 | $12.89 | $8.27 | $4.99 | $4.77 | $4.50 | |
| P/E |
Seven formulas applied to the reported numbers, each with its assumption next to the result. None of them predicts a price.
Square root of 22.5 × earnings × book value. Blind to intangibles, so it undervalues software and brands.
Earnings growing 13.2% a year plus a 1.9% dividend yield. Growth capped at 25%.
Median P/E of 13.2 among peers in the sector.
Median P/E of 11.3 across this company’s own years on record.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| TWLVTwelve Seas Investment Co III/Cayman | $10.06 | 71.9x | — | 0.00% | — | $235.78M |
| AACPApogee Acquisition Corp | $10.07 | — | — | 0.00% | — | $236.34M |
| COPLCopley Acquisition Corp | $10.59 | 40.7x | — | 0.00% | — | $234.9M |
| LATAGalata Acquisition Corp. II |
| 11.3x |
| 10.0x |
| 10.5x |
| 11.2x |
| 11.4x |
| 10.5x |
| 11.8x |
| 13.9x |
| 11.0x |
| 18.2x |
| 15.2x |
| 11.3x |
| 10.8x |
| 13.3x |
| 10.6x |
| 8.1x |
| 65.6x |
| 16.5x |
| P/S | 2.2x | 2.2x | 2.1x | — | — | 2.3x | 2.0x | 3.1x | 2.5x | 3.3x | 2.6x | 2.2x | 2.2x | 1.8x | 1.2x | 0.6x | 0.6x | — |
| P/B | 1.1x | 1.3x | 1.3x | 1.4x | 1.7x | 1.1x | 1.0x | 1.4x | 1.2x | 1.6x | 1.3x | 1.0x | 1.0x | 1.0x | 0.5x | 0.3x | 0.3x | — |
| EPS | $3.62 | $2.98 | $2.77 | $2.85 | $2.63 | $1.95 | $2.36 | $2.22 | $1.69 | $1.50 | $1.56 | $1.51 | $0.97 | $0.78 | $0.62 | $0.07 | $0.27 |
| Dividend yield | 2.01% | 2.65% | 2.94% | 2.94% | 2.67% | 2.39% | 3.26% | 2.01% | 2.13% | 1.46% | 1.52% | 1.45% | 1.00% | 0.85% | 1.98% | 1.46% | 1.52% | 5.25% |
| Payout | 26.47% | 26.52% | 30.87% | 32.85% | 30.53% | 25.10% | 38.46% | 27.97% | 23.42% | 26.47% | 23.03% | 16.32% | 10.84% | 11.22% | 20.93% | 11.76% | 100.00% | 86.67% |
| Profit margin | 18.69% | 22.03% | 19.99% | — | — | 21.97% | 16.94% | 22.12% | 22.54% | 18.69% | 17.39% | 19.86% | 20.28% | 15.21% | 13.14% | 10.57% | 3.90% | 6.53% |
| ROE | 9.19% | 12.62% | 12.52% | 12.85% | 15.33% | 10.63% | 8.12% | 10.49% | 10.83% | 8.85% | 8.54% | 9.19% | 9.52% | 7.99% | 5.93% | 5.01% | 1.90% | 2.94% |
Median of the years shown; P/E years above 200x are left out.
Dividend growing 5.5% a year against a 7.0% required return, from the stock’s beta.
The average of the method families that answered, not of the seven numbers: four of the seven start from the same earnings per share.
5 methods answered, across 2 families.
Room for errors in the reported numbers.
+30.8% from the average.
Models, not forecasts, and not investment advice. How each formula works →
| $10.21 |
| — |
| — |
| 0.00% |
| — |
| $234.83M |
| LDIloanDepot, Inc. | $0.53 | — | 0.6x | 0.00% | -26.71% | $237.47M |
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