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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.96
PEBK's Cash to Debt is ranked lower than
56% of the 972 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. PEBK: 0.96 )
Ranked among companies with meaningful Cash to Debt only.
PEBK' s 10-Year Cash to Debt Range
Min: 0.17   Max: N/A
Current: 0.96

Equity to Asset 0.10
PEBK's Equity to Asset is ranked lower than
51% of the 1285 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PEBK: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
PEBK' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.1
Current: 0.1

0.07
0.1
Interest Coverage 2.64
PEBK's Interest Coverage is ranked higher than
63% of the 1198 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. PEBK: 2.64 )
Ranked among companies with meaningful Interest Coverage only.
PEBK' s 10-Year Interest Coverage Range
Min: 0.13   Max: 2.64
Current: 2.64

0.13
2.64
F-Score: 6
Z-Score: 0.22
WACC vs ROIC
5.63%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 23.07
PEBK's Operating margin (%) is ranked lower than
64% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. PEBK: 23.07 )
Ranked among companies with meaningful Operating margin (%) only.
PEBK' s 10-Year Operating margin (%) Range
Min: 3.88   Max: 36
Current: 23.07

3.88
36
Net-margin (%) 19.46
PEBK's Net-margin (%) is ranked lower than
56% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. PEBK: 19.46 )
Ranked among companies with meaningful Net-margin (%) only.
PEBK' s 10-Year Net-margin (%) Range
Min: 3.9   Max: 23.02
Current: 19.46

3.9
23.02
ROE (%) 9.56
PEBK's ROE (%) is ranked higher than
60% of the 1345 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. PEBK: 9.56 )
Ranked among companies with meaningful ROE (%) only.
PEBK' s 10-Year ROE (%) Range
Min: 1.88   Max: 15.65
Current: 9.56

1.88
15.65
ROA (%) 0.87
PEBK's ROA (%) is ranked higher than
55% of the 1352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. PEBK: 0.87 )
Ranked among companies with meaningful ROA (%) only.
PEBK' s 10-Year ROA (%) Range
Min: 0.17   Max: 1.18
Current: 0.87

0.17
1.18
ROC (Joel Greenblatt) (%) 64.16
PEBK's ROC (Joel Greenblatt) (%) is ranked lower than
55% of the 1334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.42 vs. PEBK: 64.16 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
PEBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 10.37   Max: 112.58
Current: 64.16

10.37
112.58
Revenue Growth (3Y)(%) -2.30
PEBK's Revenue Growth (3Y)(%) is ranked lower than
69% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. PEBK: -2.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PEBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 12.2
Current: -2.3

0
12.2
EBITDA Growth (3Y)(%) 11.70
PEBK's EBITDA Growth (3Y)(%) is ranked higher than
64% of the 985 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. PEBK: 11.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PEBK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 48.2
Current: 11.7

0
48.2
EPS Growth (3Y)(%) 34.60
PEBK's EPS Growth (3Y)(%) is ranked higher than
86% of the 1001 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. PEBK: 34.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PEBK' s 10-Year EPS Growth (3Y)(%) Range
Min: -63.5   Max: 137.4
Current: 34.6

-63.5
137.4
» PEBK's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q4 2014

PEBK Guru Trades in Q4 2014

Arnold Schneider 38,809 sh (unchged)
» More
Q1 2015

PEBK Guru Trades in Q1 2015

Arnold Schneider 25,970 sh (-33.08%)
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 11.40
PEBK's P/E(ttm) is ranked higher than
69% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. PEBK: 11.40 )
Ranked among companies with meaningful P/E(ttm) only.
PEBK' s 10-Year P/E(ttm) Range
Min: 4.69   Max: 99.26
Current: 11.4

4.69
99.26
Forward P/E 12.00
PEBK's Forward P/E is ranked higher than
51% of the 1302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.03 vs. PEBK: 12.00 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.30
PEBK's PE(NRI) is ranked higher than
69% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. PEBK: 11.30 )
Ranked among companies with meaningful PE(NRI) only.
PEBK' s 10-Year PE(NRI) Range
Min: 4.7   Max: 84.38
Current: 11.3

4.7
84.38
P/B 1.00
PEBK's P/B is ranked higher than
61% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. PEBK: 1.00 )
Ranked among companies with meaningful P/B only.
PEBK' s 10-Year P/B Range
Min: 0.31   Max: 1.87
Current: 1

0.31
1.87
P/S 2.20
PEBK's P/S is ranked higher than
69% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. PEBK: 2.20 )
Ranked among companies with meaningful P/S only.
PEBK' s 10-Year P/S Range
Min: 0.5   Max: 4.86
Current: 2.2

0.5
4.86
PFCF 4.50
PEBK's PFCF is ranked higher than
71% of the 1098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.80 vs. PEBK: 4.50 )
Ranked among companies with meaningful PFCF only.
PEBK' s 10-Year PFCF Range
Min: 1.15   Max: 118.51
Current: 4.5

1.15
118.51
POCF 3.90
PEBK's POCF is ranked higher than
72% of the 960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.34 vs. PEBK: 3.90 )
Ranked among companies with meaningful POCF only.
PEBK' s 10-Year POCF Range
Min: 1.1   Max: 32.59
Current: 3.9

1.1
32.59
EV-to-EBIT 9.82
PEBK's EV-to-EBIT is ranked higher than
72% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.33 vs. PEBK: 9.82 )
Ranked among companies with meaningful EV-to-EBIT only.
PEBK' s 10-Year EV-to-EBIT Range
Min: 8.4   Max: 70.8
Current: 9.82

8.4
70.8
PEG 0.47
PEBK's PEG is ranked higher than
83% of the 513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. PEBK: 0.47 )
Ranked among companies with meaningful PEG only.
PEBK' s 10-Year PEG Range
Min: 0.13   Max: 5.57
Current: 0.47

0.13
5.57
Shiller P/E 21.80
PEBK's Shiller P/E is ranked lower than
69% of the 1018 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.02 vs. PEBK: 21.80 )
Ranked among companies with meaningful Shiller P/E only.
PEBK' s 10-Year Shiller P/E Range
Min: 4.05   Max: 24.67
Current: 21.8

4.05
24.67
Days Sales Outstanding 82.54
PEBK's Days Sales Outstanding is ranked lower than
73% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.67 vs. PEBK: 82.54 )
Ranked among companies with meaningful Days Sales Outstanding only.
PEBK' s 10-Year Days Sales Outstanding Range
Min: 82.11   Max: 196.17
Current: 82.54

82.11
196.17

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.20
PEBK's Dividend Yield is ranked lower than
88% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. PEBK: 1.20 )
Ranked among companies with meaningful Dividend Yield only.
PEBK' s 10-Year Dividend Yield Range
Min: 0.72   Max: 9.2
Current: 1.2

0.72
9.2
Dividend Payout 0.12
PEBK's Dividend Payout is ranked higher than
90% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. PEBK: 0.12 )
Ranked among companies with meaningful Dividend Payout only.
PEBK' s 10-Year Dividend Payout Range
Min: 0.08   Max: 3.24
Current: 0.12

0.08
3.24
Dividend growth (3y) 31.00
PEBK's Dividend growth (3y) is ranked higher than
84% of the 623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. PEBK: 31.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
PEBK' s 10-Year Dividend growth (3y) Range
Min: -45   Max: 31
Current: 31

-45
31
Yield on cost (5-Year) 1.10
PEBK's Yield on cost (5-Year) is ranked lower than
90% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. PEBK: 1.10 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PEBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.66   Max: 8.4
Current: 1.1

0.66
8.4
Share Buyback Rate -0.60
PEBK's Share Buyback Rate is ranked higher than
59% of the 917 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. PEBK: -0.60 )
Ranked among companies with meaningful Share Buyback Rate only.
PEBK' s 10-Year Share Buyback Rate Range
Min: 1.6   Max: -8.4
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
PEBK's Price/Tangible Book is ranked higher than
70% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. PEBK: 1.00 )
Ranked among companies with meaningful Price/Tangible Book only.
PEBK' s 10-Year Price/Tangible Book Range
Min: 0.33   Max: 2.25
Current: 1

0.33
2.25
Price/DCF (Projected) 0.40
PEBK's Price/DCF (Projected) is ranked higher than
81% of the 952 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. PEBK: 0.40 )
Ranked among companies with meaningful Price/DCF (Projected) only.
PEBK' s 10-Year Price/DCF (Projected) Range
Min: 0.14   Max: 1.56
Current: 0.4

0.14
1.56
Price/Median PS Value 1.30
PEBK's Price/Median PS Value is ranked lower than
67% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. PEBK: 1.30 )
Ranked among companies with meaningful Price/Median PS Value only.
PEBK' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 6.78
Current: 1.3

0.3
6.78
Price/Peter Lynch Fair Value 0.50
PEBK's Price/Peter Lynch Fair Value is ranked higher than
87% of the 470 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. PEBK: 0.50 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
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
74% of the 1431 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. PEBK: 0.70 )
Ranked among companies with meaningful Price/Graham Number only.
PEBK' s 10-Year Price/Graham Number Range
Min: 0.28   Max: 1.53
Current: 0.7

0.28
1.53
Earnings Yield (Greenblatt) 10.00
PEBK's Earnings Yield (Greenblatt) is ranked higher than
73% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. PEBK: 10.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
PEBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.4   Max: 11.9
Current: 10

1.4
11.9
Forward Rate of Return (Yacktman) 41.97
PEBK's Forward Rate of Return (Yacktman) is ranked higher than
83% of the 761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. PEBK: 41.97 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
PEBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -16.1   Max: 61.9
Current: 41.97

-16.1
61.9

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 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 May 22 2015
Peoples Bancorp Announces Cash Dividend May 22 2015
PEOPLES BANCORP OF NORTH CAROLINA INC Financials May 20 2015
10-Q for Peoples Bancorp of North Carolina, Inc. May 11 2015
PEOPLES BANCORP OF NORTH CAROLINA INC Files SEC form 10-Q, Quarterly Report May 08 2015
10-K for Peoples Bancorp of North Carolina, Inc. May 01 2015
Peoples Bancorp Announces First Quarter Earnings Results Apr 20 2015
PEOPLES BANCORP OF NORTH CAROLINA INC Files SEC form 8-K, Results of Operations and Financial... Apr 20 2015
Peoples Bancorp Announces First Quarter Earnings Results Apr 20 2015
PEOPLES BANCORP OF NORTH CAROLINA INC Files SEC form 10-K, Annual Report Mar 25 2015
Peoples Bancorp Announces Cash Dividend Feb 20 2015
PEOPLES BANCORP OF NORTH CAROLINA INC Files SEC form 8-K, Entry into a Material Definitive... Feb 09 2015
PEOPLES BANCORP OF NORTH CAROLINA INC Files SEC form 8-K, Results of Operations and Financial... Jan 26 2015
Peoples Bancorp Announces Cash Dividend Nov 21 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 OF NORTH CAROLINA INC Files SEC form 8-K, Other Events, Financial Statements and... 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

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