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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash-to-Debt 1.73
NAS:PEBK's Cash-to-Debt is ranked lower than
52% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. NAS:PEBK: 1.73 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:PEBK' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.17  Med: 0.34 Max: 1.73
Current: 1.73
0.17
1.73
Equity-to-Asset 0.10
NAS:PEBK's Equity-to-Asset is ranked higher than
50% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:PEBK: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:PEBK' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.1
Current: 0.1
0.07
0.1
Interest Coverage 3.59
NAS:PEBK's Interest Coverage is ranked higher than
72% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. NAS:PEBK: 3.59 )
Ranked among companies with meaningful Interest Coverage only.
NAS:PEBK' s Interest Coverage Range Over the Past 10 Years
Min: 0.13  Med: 0.78 Max: 3.65
Current: 3.59
0.13
3.65
Piotroski F-Score: 6
Beneish M-Score: -2.27
WACC vs ROIC
5.85%
9.14%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating Margin % 23.23
NAS:PEBK's Operating Margin % is ranked lower than
67% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. NAS:PEBK: 23.23 )
Ranked among companies with meaningful Operating Margin % only.
NAS:PEBK' s Operating Margin % Range Over the Past 10 Years
Min: 3.88  Med: 20.83 Max: 34.76
Current: 23.23
3.88
34.76
Net Margin % 18.17
NAS:PEBK's Net Margin % is ranked lower than
64% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. NAS:PEBK: 18.17 )
Ranked among companies with meaningful Net Margin % only.
NAS:PEBK' s Net Margin % Range Over the Past 10 Years
Min: 3.9  Med: 14.99 Max: 22.33
Current: 18.17
3.9
22.33
ROE % 8.46
NAS:PEBK's ROE % is ranked higher than
52% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. NAS:PEBK: 8.46 )
Ranked among companies with meaningful ROE % only.
NAS:PEBK' s ROE % Range Over the Past 10 Years
Min: 0.46  Med: 7.06 Max: 14.43
Current: 8.46
0.46
14.43
ROA % 0.86
NAS:PEBK's ROA % is ranked lower than
51% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. NAS:PEBK: 0.86 )
Ranked among companies with meaningful ROA % only.
NAS:PEBK' s ROA % Range Over the Past 10 Years
Min: 0.17  Med: 0.67 Max: 1.11
Current: 0.86
0.17
1.11
3-Year Revenue Growth Rate 5.20
NAS:PEBK's 3-Year Revenue Growth Rate is ranked lower than
54% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. NAS:PEBK: 5.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:PEBK' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -2.8  Med: 5.2 Max: 12.4
Current: 5.2
-2.8
12.4
3-Year EBITDA Growth Rate 0.70
NAS:PEBK's 3-Year EBITDA Growth Rate is ranked lower than
54% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. NAS:PEBK: 0.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:PEBK' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -24.4  Med: 4.7 Max: 48.1
Current: 0.7
-24.4
48.1
3-Year EPS without NRI Growth Rate 15.50
NAS:PEBK's 3-Year EPS without NRI Growth Rate is ranked higher than
84% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. NAS:PEBK: 15.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:PEBK' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -63.5  Med: 15.5 Max: 137.4
Current: 15.5
-63.5
137.4
GuruFocus has detected 2 Warning Signs with Peoples Bancorp of North Carolina Inc $NAS:PEBK.
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» NAS:PEBK's 10-Y Financials

Financials (Next Earnings Date: 2017-04-25 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

PEBK Guru Trades in

PEBK Guru Trades in

Q2 2015

PEBK Guru Trades in Q2 2015

Arnold Schneider 13,810 sh (-46.82%)
» More
Q3 2015

PEBK Guru Trades in Q3 2015

Arnold Schneider Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with PEBK

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:SBCP, NAS:SMBK, OTCPK:HCFB, NAS:CFNB, NAS:NWFL, NAS:TRCB, NAS:CFFI, OTCPK:BERK, NAS:TCFC, NYSE:MSL, NAS:ISTR, NAS:ENFC, NAS:CFCB, NAS:CUBN, NAS:UNTY, NAS:FCCO, NAS:FCCY, NAS:HBMD, OTCBB:CZFS, NAS:PKBK » details
Peoples Bancorp of NC serves as the holding company for Peoples Bank. It is a commercial bank serving the citizens and business interests of the Catawba Valley and surrounding communities.

Peoples Bancorp of NC founded in 1912, is a state-chartered commercial bank serving the citizens and business interests of the Catawba Valley and surrounding communities through 22 banking offices located in Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, Charlotte, Monroe, Cornelius, Mooresville and Raleigh, North Carolina. It serves as the holding company for Peoples Bank. The Bank also operates a loan production office in Denver, North Carolina. The Bank operates four offices focused on the Latino population under the name Banco de la Gente (Banco). These offices are operated as a division of the Bank. The Bank offers normal and customary banking services as are offered in the Bank's other branches such as the taking of deposits and the making of loans. The Bank has a diversified loan portfolio, with no foreign loans and few agricultural loans. Real estate loans are predominately variable rate commercial property loans, which include residential development loans to commercial customers. The Bank faces competition both in attracting deposits and making loans. Its direct competition for deposits has historically come from other commercial banks, credit unions and brokerage firms located in its primary market area, including large financial institutions. The majority of the Bank's deposit and loan customers are individuals and small to medium-sized businesses located in the Bank's market area. The Bank's loan portfolio also includes Individual Taxpayer Identification Number (ITIN) mortgage loans generated thorough the Bank's Banco offices. The operations of the Bank and depository institutions in general are significantly influenced by general economic conditions and by related monetary and fiscal policies of depository institution regulatory agencies, including the Federal Reserve, the Federal Deposit Insurance Corporation (the FDIC) and the North Carolina Commissioner of Banks (the Commissioner).

Ratios

vs
industry
vs
history
PE Ratio 17.05
PEBK's PE Ratio is ranked lower than
66% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. PEBK: 17.05 )
Ranked among companies with meaningful PE Ratio only.
PEBK' s PE Ratio Range Over the Past 10 Years
Min: 4.7  Med: 11.6 Max: 96.43
Current: 17.05
4.7
96.43
PE Ratio without NRI 17.05
PEBK's PE Ratio without NRI is ranked lower than
65% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. PEBK: 17.05 )
Ranked among companies with meaningful PE Ratio without NRI only.
PEBK' s PE Ratio without NRI Range Over the Past 10 Years
Min: 4.7  Med: 11.6 Max: 96.43
Current: 17.05
4.7
96.43
Price-to-Owner-Earnings 13.89
PEBK's Price-to-Owner-Earnings is ranked lower than
61% of the 860 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.74 vs. PEBK: 13.89 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
PEBK' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.75  Med: 9.23 Max: 128.93
Current: 13.89
1.75
128.93
PB Ratio 1.41
PEBK's PB Ratio is ranked lower than
69% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. PEBK: 1.41 )
Ranked among companies with meaningful PB Ratio only.
PEBK' s PB Ratio Range Over the Past 10 Years
Min: 0.31  Med: 0.94 Max: 1.87
Current: 1.41
0.31
1.87
PS Ratio 3.09
PEBK's PS Ratio is ranked higher than
52% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. PEBK: 3.09 )
Ranked among companies with meaningful PS Ratio only.
PEBK' s PS Ratio Range Over the Past 10 Years
Min: 0.5  Med: 1.76 Max: 3.97
Current: 3.09
0.5
3.97
Price-to-Free-Cash-Flow 14.64
PEBK's Price-to-Free-Cash-Flow is ranked lower than
66% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.08 vs. PEBK: 14.64 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
PEBK' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.15  Med: 7.11 Max: 223.56
Current: 14.64
1.15
223.56
Price-to-Operating-Cash-Flow 12.72
PEBK's Price-to-Operating-Cash-Flow is ranked lower than
63% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. PEBK: 12.72 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
PEBK' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.09  Med: 5.48 Max: 54.6
Current: 12.72
1.09
54.6
EV-to-EBIT 9.81
PEBK's EV-to-EBIT is ranked higher than
51% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. PEBK: 9.81 )
Ranked among companies with meaningful EV-to-EBIT only.
PEBK' s EV-to-EBIT Range Over the Past 10 Years
Min: 7.1  Med: 14 Max: 70.8
Current: 9.81
7.1
70.8
EV-to-EBITDA 6.71
PEBK's EV-to-EBITDA is ranked higher than
61% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. PEBK: 6.71 )
Ranked among companies with meaningful EV-to-EBITDA only.
PEBK' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.7  Med: 9 Max: 21.3
Current: 6.71
4.7
21.3
PEG Ratio 3.11
PEBK's PEG Ratio is ranked higher than
68% of the 767 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. PEBK: 3.11 )
Ranked among companies with meaningful PEG Ratio only.
PEBK' s PEG Ratio Range Over the Past 10 Years
Min: 0.16  Med: 0.62 Max: 43.42
Current: 3.11
0.16
43.42
Shiller PE Ratio 24.49
PEBK's Shiller PE Ratio is ranked lower than
62% of the 488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.69 vs. PEBK: 24.49 )
Ranked among companies with meaningful Shiller PE Ratio only.
PEBK' s Shiller PE Ratio Range Over the Past 10 Years
Min: 4.59  Med: 12.59 Max: 26.32
Current: 24.49
4.59
26.32

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.50
PEBK's Dividend Yield % is ranked lower than
79% of the 2308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. PEBK: 1.50 )
Ranked among companies with meaningful Dividend Yield % only.
PEBK' s Dividend Yield % Range Over the Past 10 Years
Min: 0.72  Med: 1.49 Max: 9.2
Current: 1.5
0.72
9.2
Dividend Payout Ratio 0.23
PEBK's Dividend Payout Ratio is ranked higher than
77% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. PEBK: 0.23 )
Ranked among companies with meaningful Dividend Payout Ratio only.
PEBK' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.09  Med: 0.2 Max: 1
Current: 0.23
0.09
1
3-Year Dividend Growth Rate 46.80
PEBK's 3-Year Dividend Growth Rate is ranked higher than
94% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. PEBK: 46.80 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
PEBK' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -45  Med: 8.5 Max: 51.8
Current: 46.8
-45
51.8
Forward Dividend Yield % 1.68
PEBK's Forward Dividend Yield % is ranked lower than
78% of the 2276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.87 vs. PEBK: 1.68 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 8.27
PEBK's 5-Year Yield-on-Cost % is ranked higher than
74% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. PEBK: 8.27 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
PEBK' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.97  Med: 8.22 Max: 50.73
Current: 8.27
3.97
50.73
3-Year Average Share Buyback Ratio 1.10
PEBK's 3-Year Average Share Buyback Ratio is ranked higher than
82% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. PEBK: 1.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PEBK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -4.7  Med: 0.5 Max: 1.2
Current: 1.1
-4.7
1.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.41
PEBK's Price-to-Tangible-Book is ranked lower than
63% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. PEBK: 1.41 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PEBK' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.37  Med: 1.02 Max: 2.25
Current: 1.41
0.37
2.25
Price-to-Intrinsic-Value-Projected-FCF 0.72
PEBK's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
69% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. PEBK: 0.72 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
PEBK' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.16  Med: 0.63 Max: 1.18
Current: 0.72
0.16
1.18
Price-to-Median-PS-Value 1.75
PEBK's Price-to-Median-PS-Value is ranked lower than
90% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. PEBK: 1.75 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PEBK' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.35  Med: 1.16 Max: 2.1
Current: 1.75
0.35
2.1
Price-to-Graham-Number 1.03
PEBK's Price-to-Graham-Number is ranked lower than
56% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. PEBK: 1.03 )
Ranked among companies with meaningful Price-to-Graham-Number only.
PEBK' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.37  Med: 0.72 Max: 1.46
Current: 1.03
0.37
1.46
Earnings Yield (Greenblatt) % 10.19
PEBK's Earnings Yield (Greenblatt) % is ranked higher than
62% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. PEBK: 10.19 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PEBK' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.4  Med: 7.15 Max: 14.1
Current: 10.19
1.4
14.1
Forward Rate of Return (Yacktman) % 12.44
PEBK's Forward Rate of Return (Yacktman) % is ranked higher than
68% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. PEBK: 12.44 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
PEBK' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 1.1  Med: 30.6 Max: 60.4
Current: 12.44
1.1
60.4

More Statistics

Revenue (TTM) (Mil) $50.51
EPS (TTM) $ 1.64
Beta0.50
Short Percentage of Float0.06%
52-Week Range $18.41 - 30.23
Shares Outstanding (Mil)5.43
» More Articles for PEBK

Headlines

Articles On GuruFocus.com
Peoples Bancorp of North Carolina Inc. Reports Operating Results (10-Q) Nov 10 2010 
Peoples Bancorp of North Carolina Inc. (PEBK) Chairman of the Board Robert C Abernethy buys 1,000 Sh Sep 13 2010 
Peoples Bancorp of North Carolina Inc. Reports Operating Results (10-Q) Aug 11 2010 
Peoples Bancorp of North Carolina Inc. Reports Operating Results (10-Q) May 10 2010 
Peoples Bancorp of North Carolina Inc. (PEBK) Chairman of the Board Robert C Abernethy buys 1,000 Sh Mar 17 2010 
Peoples Bancorp of North Carolina Inc. (PEBK) Chairman of the Board Robert C Abernethy buys 2,000 Sh Dec 18 2009 
Peoples Bancorp of North Carolina Inc. Reports Operating Results (10-Q) Nov 12 2009 
Peoples Bancorp of North Carolina Inc. Reports Operating Results (10-Q) Aug 14 2009 
Peoples Bancorp of North Carolina Inc. Reports Operating Results (10-Q) May 11 2009 

More From Other Websites
PEOPLES BANCORP OF NORTH CAROLINA INC Financials Mar 22 2017
PEOPLES BANCORP OF NORTH CAROLINA INC Files SEC form 10-K, Annual Report Mar 16 2017
Peoples Bancorp Announces Cash Dividend Feb 17 2017
Peoples Bancorp of North Carolina, Inc. : PEBK-US: Dividend Analysis : December 02nd, 2016 (record... Jan 27 2017
Peoples Bancorp of North Carolina, Inc. :PEBK-US: Earnings Analysis: 2016 By the Numbers : January... Jan 27 2017
Peoples Bancorp of North Carolina, Inc. :PEBK-US: Earnings Analysis: Q4, 2016 By the Numbers :... Jan 24 2017
PEOPLES BANCORP OF NORTH CAROLINA INC Files SEC form 8-K, Results of Operations and Financial... Jan 23 2017
Peoples Bancorp Announces Fourth Quarter and Annual Earnings Results Jan 23 2017
I Hope Some Banks Have a Bad Quarter Jan 12 2017
Peoples Bancorp Announces Cash Dividend Nov 18 2016
PEOPLES BANCORP OF NORTH CAROLINA INC Files SEC form 10-Q, Quarterly Report Nov 04 2016
Peoples Bancorp of North Carolina, Inc. :PEBK-US: Earnings Analysis: Q3, 2016 By the Numbers :... Oct 25 2016
PEOPLES BANCORP OF NORTH CAROLINA INC Files SEC form 8-K, Results of Operations and Financial... Oct 24 2016
Peoples Bancorp Announces Third Quarter Earnings Results Oct 24 2016
Peoples Bancorp of North Carolina, Inc. : PEBK-US: Dividend Analysis : September 02nd, 2016 (record... Oct 21 2016
Peoples Bancorp Announces Cash Dividend Aug 19 2016
PEOPLES BANCORP OF NORTH CAROLINA INC Files SEC form 10-Q, Quarterly Report Aug 05 2016
Peoples Bancorp of North Carolina, Inc. :PEBK-US: Earnings Analysis: Q2, 2016 By the Numbers :... Aug 05 2016
PEOPLES BANCORP OF NORTH CAROLINA INC Files SEC form 8-K, Results of Operations and Financial... Jul 25 2016
Peoples Bancorp Announces Second Quarter Earnings Results and Stock Repurchase Plan Jul 25 2016

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