Price (delayed)
$27.38
Market cap
$149.43M
P/E Ratio
8.89
Dividend/share
$0.92
EPS
$3.08
Enterprise value
$105.37M
Peoples Bancorp of North Carolina, Inc. operates as the holding company for Peoples Bank. Peoples Bank is the wholly-owned banking subsidiary of Peoples Bancorp of North Carolina, Inc. The Corporate
Highlights
Peoples Bancorp Of North Carolina's debt has shrunk by 66% YoY and by 51% QoQ
The equity is up by 11% year-on-year and by 2.7% since the previous quarter
The net income has contracted by 6% YoY
The EPS has declined by 3.1% year-on-year
Key stats
What are the main financial stats of PEBK
Market
Valuations
Earnings
Shares outstanding
5.46M
Market cap
$149.43M
Enterprise value
$105.37M
Price to earnings (P/E)
8.89
Price to book (P/B)
1.17
Price to sales (P/S)
1.83
EV/EBIT
5.08
EV/EBITDA
4.47
EV/Sales
1.33
Revenue
$79.2M
EBIT
$20.73M
EBITDA
$23.57M
Free cash flow
$19.02M
Per share
Balance sheet
Liquidity
EPS
$3.08
Free cash flow per share
$3.59
Book value per share
$23.49
Revenue per share
$14.97
TBVPS
$312.87
Total assets
$1.66B
Total liabilities
$1.53B
Debt
$38.78M
Equity
$124.31M
Working capital
N/A
Debt to equity
0.31
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.87
Margins
Efficiency
Dividend
EBITDA margin
29.8%
Gross margin
100%
Net margin
20.7%
Operating margin
23.2%
Return on assets
1%
Return on equity
13.8%
Return on invested capital
1.3%
Return on capital employed
N/A
Return on sales
26.2%
Dividend yield
3.36%
DPS
$0.92
Payout ratio
29.9%
PEBK stock price
How has the Peoples Bancorp Of North Carolina stock price performed over time
Intraday
-1.58%
1 week
4.62%
1 month
-4.53%
1 year
21.8%
YTD
-11.51%
QTD
-6.23%
Financial performance
How have Peoples Bancorp Of North Carolina's revenue and profit performed over time
Revenue
$79.2M
Gross profit
$79.2M
Operating income
$18.34M
Net income
$16.4M
Gross margin
100%
Net margin
20.7%
The operating margin has declined by 11% year-on-year
The operating income has declined by 10% year-on-year
Peoples Bancorp Of North Carolina's net margin has decreased by 8% YoY
The net income has contracted by 6% YoY
Growth
What is Peoples Bancorp Of North Carolina's growth rate over time
Valuation
What is Peoples Bancorp Of North Carolina stock price valuation
P/E
8.89
P/B
1.17
P/S
1.83
EV/EBIT
5.08
EV/EBITDA
4.47
EV/Sales
1.33
PEBK's price to earnings (P/E) is 10% lower than its 5-year quarterly average of 10.0
The EPS has declined by 3.1% year-on-year
The equity is up by 11% year-on-year and by 2.7% since the previous quarter
PEBK's price to book (P/B) is 9% less than its last 4 quarters average of 1.3
The price to sales (P/S) is 11% less than the 5-year quarterly average of 2.1 and 2.1% less than the last 4 quarters average of 1.9
PEBK's revenue is up by 2.1% since the previous quarter
Efficiency
How efficient is Peoples Bancorp Of North Carolina business performance
PEBK's ROE is down by 14% YoY and by 2.1% QoQ
The return on assets has declined by 9% year-on-year
The return on sales has declined by 8% year-on-year
Peoples Bancorp Of North Carolina's return on invested capital has decreased by 7% YoY
Dividends
What is PEBK's dividend history
DPS
$0.92
Dividend yield
3.36%
Payout ratio
29.9%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Peoples Bancorp Of North Carolina financials performed over time
Peoples Bancorp Of North Carolina's total assets is 8% higher than its total liabilities
Peoples Bancorp Of North Carolina's total assets has increased by 2.7% YoY
The total liabilities rose by 2.1% year-on-year
Peoples Bancorp Of North Carolina's debt is 69% lower than its equity
The debt to equity has shrunk by 69% YoY and by 53% QoQ
Peoples Bancorp Of North Carolina's debt has shrunk by 66% YoY and by 51% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.