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Price (delayed)
$31.69
Market cap
$172.95M
P/E Ratio
10.36
Dividend/share
$0.92
EPS
$3.06
Enterprise value
$128M
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 73% YoY and by 27% QoQ
The equity is up by 27% year-on-year and by 10% since the previous quarter
PEBK's price to earnings (P/E) is 10% higher than its last 4 quarters average of 9.4 and 6% higher than its 5-year quarterly average of 9.8
Key stats
What are the main financial stats of PEBK
Market
Valuations
Earnings
Shares outstanding
5.46M
Market cap
$172.95M
Enterprise value
$128M
Price to earnings (P/E)
10.36
Price to book (P/B)
1.27
Price to sales (P/S)
2.16
EV/EBIT
6.16
EV/EBITDA
5.41
EV/Sales
1.6
Revenue
$80M
Gross profit
$80M
Net income
$16.23M
EBIT
$20.76M
EBITDA
$23.66M
Free cash flow
$20.14M
Per share
Balance sheet
Liquidity
EPS
$3.06
EPS diluted
$2.95
Free cash flow per share
$3.69
Book value per share
$24.97
Revenue per share
$14.66
TBVPS
$304.46
Total assets
$1.66B
Total liabilities
$1.53B
Debt
$28.21M
Equity
$136.28M
Working capital
N/A
Debt to equity
0.21
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.9
Margins
Efficiency
Dividend
EBITDA margin
29.6%
Gross margin
100%
Net margin
20.3%
Operating margin
23.1%
Return on assets
1%
Return on equity
12.9%
Return on invested capital
1.3%
Return on capital employed
N/A
Return on sales
26%
Dividend yield
2.9%
DPS
$0.92
Payout ratio
30.1%
PEBK stock price
How has the Peoples Bancorp Of North Carolina stock price performed over time
Intraday
1.12%
1 week
-1%
1 month
5.25%
1 year
6.52%
YTD
2.42%
QTD
24.81%
Financial performance
How have Peoples Bancorp Of North Carolina's revenue and profit performed over time
Revenue
$80M
Gross profit
$80M
Operating income
$18.44M
Net income
$16.23M
Gross margin
100%
Net margin
20.3%
The operating margin has declined by 6% year-on-year
The operating income has declined by 2.9% year-on-year
PEBK's revenue is up by 3.5% year-on-year
Peoples Bancorp Of North Carolina's gross profit has increased by 3.5% 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
10.36
P/B
1.27
P/S
2.16
EV/EBIT
6.16
EV/EBITDA
5.41
EV/Sales
1.6
PEBK's price to earnings (P/E) is 10% higher than its last 4 quarters average of 9.4 and 6% higher than its 5-year quarterly average of 9.8
The EPS is up by 2.7% year-on-year
The equity is up by 27% year-on-year and by 10% since the previous quarter
PEBK's price to book (P/B) is 6% more than its 5-year quarterly average of 1.2 and 6% more than its last 4 quarters average of 1.2
The price to sales (P/S) is 8% more than the last 4 quarters average of 2.0 and 2.9% more than the 5-year quarterly average of 2.1
PEBK's revenue is up by 3.5% year-on-year
Efficiency
How efficient is Peoples Bancorp Of North Carolina business performance
PEBK's ROE is down by 13% YoY and by 7% QoQ
The return on sales has declined by 3% year-on-year
Dividends
What is PEBK's dividend history
DPS
$0.92
Dividend yield
2.9%
Payout ratio
30.1%
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 9% higher than its total liabilities
Peoples Bancorp Of North Carolina's total assets has increased by 3.4% YoY
Peoples Bancorp Of North Carolina's debt is 79% lower than its equity
The debt to equity has shrunk by 78% YoY and by 32% QoQ
Peoples Bancorp Of North Carolina's debt has shrunk by 73% YoY and by 27% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.