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Peoples Bancorp of North Carolina has the Financial Strength Rank of 5.
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). The higher, the better.GuruFocus does not calculate Peoples Bancorp of North Carolina's interest coverage with the available data. Peoples Bancorp of North Carolina's debt to revenue ratio for the quarter that ended in Dec. 2023 was 0.29. Altman Z-Score does not apply to banks and insurance companies.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Peoples Bancorp of North Carolina's Interest Expense for the months ended in Dec. 2023 was $-5.89 Mil. Its Operating Income for the months ended in Dec. 2023 was $0.00 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $20.30 Mil.
Peoples Bancorp of North Carolina's Interest Coverage for the quarter that ended in Dec. 2023 is
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Peoples Bancorp of North Carolina Inc has enough cash to cover all of its debt. Its financial situation is stable.
2. Debt to revenue ratio. The lower, the better.
Peoples Bancorp of North Carolina's Debt to Revenue Ratio for the quarter that ended in Dec. 2023 is
Debt to Revenue Ratio | = | Total Debt (Q: Dec. 2023 ) | / | Revenue | ||
= | (Short-Term Debt & Capital Lease Obligation | + | Long-Term Debt & Capital Lease Obligation) | / | Revenue | |
= | (0 | + | 20.296) | / | 68.908 | |
= | 0.29 |
3. Altman Z-Score.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Peoples Bancorp of North Carolina (NAS:PEBK) Financial Strength Explanation
The maximum rank is 10. Companies with rank 7 or higher will be unlikely to fall into distressed situations. Companies with rank of 3 or less are likely in financial distress.
Peoples Bancorp of North Carolina has the Financial Strength Rank of 5.
Thank you for viewing the detailed overview of Peoples Bancorp of North Carolina's Financial Strength provided by GuruFocus.com. Please click on the following links to see related term pages.
James S Abernethy | director | |
Douglas S Howard | director | 518 WEST C. STREET, NEWTON NC 28658 |
Price Billy L Jr Dr | director | |
Benjamin I Zachary | director | P O BOX 467, NEWTON NC 286580467 |
Lance A Sellers | officer: EVP and Chief Credit Officer | |
William D Cable | officer: EVP and COO | P O BOX 467, NEWTON NC 286580467 |
Timothy Paul Turner | officer: EVP, Chief Credit Officer | PO BOX 467, NEWTON NC 28658 |
James Owen Perry | officer: EVP Chief Retail Banking Offcr | PO BOX 467, NEWTON NC 28658 |
Kim Boyd-leaks | director, officer: Chief Banking Support Officer | PO BOX 467, NEWTON NC 28658 |
Christine S Abernethy | 10 percent owner | 518 WEST C STREET, NEWTON NC 28658 |
Robert C Abernethy | director, officer: Chairman | P O BOX 467, NEWTON NC 286580467 |
A Joseph Lampron | officer: EVP & CFO | P O BOX 467, NEWTON NC 286580467 |
Jeffrey N. Hooper | officer: EVP/Chief Financial Officer | 518 WEST C ST, NEWTON NC 28658 |
Lineberger John W Jr | director | 2200 WEST LOOP STE 900, C/O IEC CO, HOUSTON TX 77027 |
William Gregory Terry | director | 218 SOUTH MAIN STREET, NEWTON NC 28658 |
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