Switch to:

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 : 7/10

vs
industry
vs
history
Cash to Debt 1.00
PEBK's Cash to Debt is ranked higher than
73% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. PEBK: 1.00 )
PEBK' s 10-Year Cash to Debt Range
Min: 0.17   Max: No Debt
Current: 1

Equity to Asset 0.09
PEBK's Equity to Asset is ranked higher than
65% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. PEBK: 0.09 )
PEBK' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.1
Current: 0.09

0.07
0.1
Interest Coverage 1.60
PEBK's Interest Coverage is ranked higher than
72% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. PEBK: 1.60 )
PEBK' s 10-Year Interest Coverage Range
Min: 0.13   Max: 1.6
Current: 1.6

0.13
1.6
F-Score: 6
Z-Score: 0.21
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 : 6/10

vs
industry
vs
history
Operating margin (%) 24.74
PEBK's Operating margin (%) is ranked higher than
68% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. PEBK: 24.74 )
PEBK' s 10-Year Operating margin (%) Range
Min: 3.88   Max: 36
Current: 24.74

3.88
36
Net-margin (%) 19.61
PEBK's Net-margin (%) is ranked higher than
72% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. PEBK: 19.61 )
PEBK' s 10-Year Net-margin (%) Range
Min: 3.9   Max: 23.02
Current: 19.61

3.9
23.02
ROE (%) 9.79
PEBK's ROE (%) is ranked higher than
80% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. PEBK: 9.79 )
PEBK' s 10-Year ROE (%) Range
Min: 1.88   Max: 15.65
Current: 9.79

1.88
15.65
ROA (%) 0.86
PEBK's ROA (%) is ranked higher than
76% of the 2019 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. PEBK: 0.86 )
PEBK' s 10-Year ROA (%) Range
Min: 0.17   Max: 1.18
Current: 0.86

0.17
1.18
ROC (Joel Greenblatt) (%) 67.59
PEBK's ROC (Joel Greenblatt) (%) is ranked higher than
73% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.96 vs. PEBK: 67.59 )
PEBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 10.37   Max: 112.58
Current: 67.59

10.37
112.58
Revenue Growth (%) -2.80
PEBK's Revenue Growth (%) is ranked higher than
65% of the 1727 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. PEBK: -2.80 )
PEBK' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 24.4
Current: -2.8

0
24.4
EBITDA Growth (%) 35.10
PEBK's EBITDA Growth (%) is ranked higher than
95% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. PEBK: 35.10 )
PEBK' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 51.8
Current: 35.1

0
51.8
EPS Growth (%) 137.40
PEBK's EPS Growth (%) is ranked higher than
99% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. PEBK: 137.40 )
PEBK' s 10-Year EPS Growth (%) Range
Min: -63.5   Max: 137.4
Current: 137.4

-63.5
137.4
» PEBK's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2013

PEBK Guru Trades in Q4 2013

Arnold Schneider 38,809 sh (unchged)
» More
Q1 2014

PEBK Guru Trades in Q1 2014

Arnold Schneider 38,809 sh (unchged)
» More
Q2 2014

PEBK Guru Trades in Q2 2014

Arnold Schneider 38,809 sh (unchged)
» More
Q3 2014

PEBK Guru Trades in Q3 2014

Arnold Schneider 38,809 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with PEBK

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 11.80
PEBK's P/E(ttm) is ranked higher than
87% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.50 vs. PEBK: 11.80 )
PEBK' s 10-Year P/E(ttm) Range
Min: 4.69   Max: 99.26
Current: 11.8

4.69
99.26
P/B 1.10
PEBK's P/B is ranked higher than
79% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. PEBK: 1.10 )
PEBK' s 10-Year P/B Range
Min: 0.31   Max: 1.87
Current: 1.1

0.31
1.87
P/S 2.20
PEBK's P/S is ranked higher than
85% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. PEBK: 2.20 )
PEBK' s 10-Year P/S Range
Min: 0.5   Max: 4.86
Current: 2.2

0.5
4.86
PFCF 3.90
PEBK's PFCF is ranked higher than
96% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. PEBK: 3.90 )
PEBK' s 10-Year PFCF Range
Min: 1.15   Max: 118.51
Current: 3.9

1.15
118.51
EV-to-EBIT 8.94
PEBK's EV-to-EBIT is ranked higher than
90% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.80 vs. PEBK: 8.94 )
PEBK' s 10-Year EV-to-EBIT Range
Min: 8.4   Max: 70.8
Current: 8.94

8.4
70.8
PEG 0.40
PEBK's PEG is ranked higher than
97% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. PEBK: 0.40 )
PEBK' s 10-Year PEG Range
Min: 0.17   Max: 10.65
Current: 0.4

0.17
10.65
Shiller P/E 24.00
PEBK's Shiller P/E is ranked higher than
82% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. PEBK: 24.00 )
PEBK' s 10-Year Shiller P/E Range
Min: 4.02   Max: 24.34
Current: 24

4.02
24.34

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.80
PEBK's Dividend Yield is ranked lower than
86% of the 1871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.25 vs. PEBK: 0.80 )
PEBK' s 10-Year Dividend Yield Range
Min: 0.72   Max: 9.2
Current: 0.8

0.72
9.2
Dividend Payout 0.10
PEBK's Dividend Payout is ranked higher than
96% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. PEBK: 0.10 )
PEBK' s 10-Year Dividend Payout Range
Min: 0.08   Max: 3.24
Current: 0.1

0.08
3.24
Dividend growth (3y) 14.50
PEBK's Dividend growth (3y) is ranked higher than
87% of the 1118 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. PEBK: 14.50 )
PEBK' s 10-Year Dividend growth (3y) Range
Min: -45   Max: 25.5
Current: 14.5

-45
25.5
Yield on cost (5-Year) 0.37
PEBK's Yield on cost (5-Year) is ranked lower than
91% of the 1883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. PEBK: 0.37 )
PEBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.33   Max: 4.25
Current: 0.37

0.33
4.25
Share Buyback Rate -0.50
PEBK's Share Buyback Rate is ranked higher than
81% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. PEBK: -0.50 )
PEBK' s 10-Year Share Buyback Rate Range
Min: 4.1   Max: -8.4
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
PEBK's Price/Tangible Book is ranked higher than
83% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. PEBK: 1.10 )
PEBK' s 10-Year Price/Tangible Book Range
Min: 0.33   Max: 2.25
Current: 1.1

0.33
2.25
Price/DCF (Projected) 0.30
PEBK's Price/DCF (Projected) is ranked higher than
95% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.54 vs. PEBK: 0.30 )
PEBK' s 10-Year Price/DCF (Projected) Range
Min: 0.14   Max: 1.56
Current: 0.3

0.14
1.56
Price/Median PS Value 1.30
PEBK's Price/Median PS Value is ranked higher than
71% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. PEBK: 1.30 )
PEBK' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 6.71
Current: 1.3

0.3
6.71
Price/Peter Lynch Fair Value 0.50
PEBK's Price/Peter Lynch Fair Value is ranked higher than
98% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. PEBK: 0.50 )
PEBK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.27   Max: 3.85
Current: 0.5

0.27
3.85
Price/Graham Number 0.70
PEBK's Price/Graham Number is ranked higher than
88% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. PEBK: 0.70 )
PEBK' s 10-Year Price/Graham Number Range
Min: 0.28   Max: 1.53
Current: 0.7

0.28
1.53
Earnings Yield (Greenblatt) 11.10
PEBK's Earnings Yield (Greenblatt) is ranked higher than
88% of the 1973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. PEBK: 11.10 )
PEBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.4   Max: 11.9
Current: 11.1

1.4
11.9
Forward Rate of Return (Yacktman) 43.69
PEBK's Forward Rate of Return (Yacktman) is ranked higher than
90% of the 1512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.69 vs. PEBK: 43.69 )
PEBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -11.4   Max: 56.4
Current: 43.69

-11.4
56.4

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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 strong 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).
» 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 Announces Cash Dividend Nov 21 2014
Peoples Bancorp Announces Cash Dividend Nov 21 2014
PEOPLES BANCORP OF NORTH CAROLINA INC Financials Nov 15 2014
10-Q for Peoples Bancorp of North Carolina, Inc. Nov 10 2014
PEOPLES BANCORP OF NORTH CAROLINA INC Files SEC form 10-Q, Quarterly Report Nov 07 2014
PEOPLES BANCORP OF NORTH CAROLINA INC Files SEC form 8-K, Results of Operations and Financial... Oct 20 2014
Peoples Bancorp Announces Third Quarter Earnings Results Oct 20 2014
Peoples Bancorp Announces Third Quarter Earnings Results Oct 20 2014
PEOPLES BANCORP OF NORTH CAROLINA INC Files SEC form 8-K, Other Events, Financial Statements and... Sep 23 2014
Peoples Bancorp Announces Stock Repurchase Plan Sep 23 2014
PEOPLES BANCORP OF NORTH CAROLINA INC Files SEC form 10-Q, Quarterly Report Aug 08 2014
PEOPLES BANCORP OF NORTH CAROLINA INC Files SEC form 8-K, Results of Operations and Financial... Jul 22 2014
Clevelend Hosting 2016 Republican Convention in Key State Jul 08 2014
Peoples Bancorp Of North Carolina: Can The Run Continue? May 20 2014
PEOPLES BANCORP OF NORTH CAROLINA INC Files SEC form 10-Q, Quarterly Report May 08 2014
PEOPLES BANCORP OF NORTH CAROLINA INC Files SEC form 8-K, Results of Operations and Financial... Apr 21 2014
PEOPLES BANCORP OF NORTH CAROLINA INC Files SEC form 10-K, Annual Report Mar 21 2014
Peoples Bancorp Announces Cash Dividend Feb 21 2014
PEOPLES BANCORP OF NORTH CAROLINA INC Files SEC form 8-K, Results of Operations and Financial... Jan 27 2014
PEOPLES BANCORP OF NORTH CAROLINA INC Files SEC form 10-Q, Quarterly Report Nov 05 2013

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK