Peoples Bancorp of North Carolina Inc. Common Stock (PEBK)

FairStock Score: 66/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a small bank like Peoples Bancorp of North Carolina differently from an industrial company. It takes deposits and makes loans, mostly to individuals and small businesses in North Carolina, and its edge is local relationships rather than a wide moat. The filed numbers show steady progress: in FY2023 (period ended 2023-12-31) net income was $15.5M and diluted EPS $2.77; FY2024 (period ended 2024-12-31) net income was $16.4M and EPS $2.98; FY2025 (period ended 2025-12-31) net income was $19.8M and EPS $3.62. In the latest filed quarter, fiscal Q2 2026 (quarter ended 2026-06-30), net income was $5.2M and diluted EPS $0.96, essentially flat versus $5.2M and $0.95 in fiscal Q2 2025 (quarter ended 2025-06-30). FairStock calculations show ROE of 13.07%, P/E 12.26, P/B 1.47, PEG 10.05, Piotroski 6/9, and a 66/100 score at the 2026-10-13 close of $44.62. The computed Lynch category is STALWART, with 11.8% annual profit growth over five years. That is respectable, but the price is near the 52-week high of $45.78 and above book value, so there is little obvious bargain. Financial health looks adequate on earnings and returns, but CET1, net interest margin and credit-quality measures are not in the data; for a bank, those matter more than a generic debt ratio. A combined ratio is an insurer measure and is not provided or relevant here. I would want evidence that loan losses and funding costs remain contained before calling this a compelling value.

In plain English: Peoples Bancorp of North Carolina is a small bank holding company that takes deposits and makes loans to people and small businesses in North Carolina. Its profits have grown steadily over the past few years, and it earns a reasonable return on shareholders' money, but recent growth has been slow. The stock price looks fair to slightly expensive versus those numbers, because it is near its 52-week high and trades above the value of its net assets.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer