Peoples Bancorp of North Carolina, Inc.
Peoples Bancorp of North Carolina, Inc. Fundamental Analysis
Peoples Bancorp of North Carolina, Inc. (PEBK) shows moderate financial fundamentals with a PE ratio of 16.07, profit margin of 18.90%, and ROE of 13.46%. The company generates $0.1B in annual revenue with strong year-over-year growth of 14.01%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 69.4/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze PEBK's fundamental strength across five key dimensions:
Efficiency Score
WeakPEBK struggles to generate sufficient returns from assets.
Valuation Score
ModeratePEBK shows balanced valuation metrics.
Growth Score
ModeratePEBK shows steady but slowing expansion.
Financial Health Score
ExcellentPEBK maintains a strong and stable balance sheet.
Profitability Score
ModeratePEBK maintains healthy but balanced margins.
Key Financial Metrics
Is PEBK Expensive or Cheap?
P/E Ratio
PEBK trades at 16.07 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, PEBK's PEG of 3.91 indicates potential overvaluation.
Price to Book
The market values Peoples Bancorp of North Carolina, Inc. at 2.03 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 7.73 times EBITDA. This is generally considered low.
How Well Does PEBK Make Money?
Net Profit Margin
For every $100 in sales, Peoples Bancorp of North Carolina, Inc. keeps $18.90 as profit after all expenses.
Operating Margin
Core operations generate 24.64 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.46 in profit for every $100 of shareholder equity.
ROA
Peoples Bancorp of North Carolina, Inc. generates $1.16 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Peoples Bancorp of North Carolina, Inc. produces operating cash flow of $13.68M, showing steady but balanced cash generation.
Free Cash Flow
Peoples Bancorp of North Carolina, Inc. generates strong free cash flow of $12.82M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.42 in free cash annually.
FCF Yield
PEBK converts 9.84% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
16.07
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
3.91
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.03
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.94
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.10
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.03
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.13
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How PEBK Stacks Against Its Sector Peers
| Metric | PEBK Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 16.07 | 18.73 | Better (Cheaper) |
| ROE | 13.46% | 847.00% | Weak |
| Net Margin | 18.90% | 2562.00% | Weak |
| Debt/Equity | 0.10 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 1.03 | 674.76 | Neutral |
| ROA | 1.16% | -21692.00% (disorted) | Weak |
PEBK outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Peoples Bancorp of North Carolina, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
72.41%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
30.15%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
74.41%
Industry Style: Value, Dividend, Cyclical
High Growth