PEBK (Peoples Bancorp of North Carolina) Cyclically Adjusted Revenue per Share: $12.84 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

PEBK Peoples Bancorp of North Carolina Inc PEBK
64 GF Score
Price $43.47
GF Value $31.77
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is Peoples Bancorp of North Carolina Cyclically Adjusted Revenue per Share?

Peoples Bancorp of North Carolina PEBK +2.21% 64 Cyclically Adjusted Revenue per Share is $12.84 as of Mar. 2026. GuruFocus rates PEBK with a GF Score™ of 64/100 and a GF Value™ of $31.77 (Significantly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Peoples Bancorp of North Carolina's adjusted revenue per share for the three months ended in Mar. 2026 was $3.483. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $12.84 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Peoples Bancorp of North Carolina's average Cyclically Adjusted Revenue Growth Rate was 5.90% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 5.80% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 6.90% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was 5.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Peoples Bancorp of North Carolina was 9.80% per year. The lowest was 2.40% per year. And the median was 6.20% per year.

As of today (2026-07-17), Peoples Bancorp of North Carolina's current stock price is $43.47. Peoples Bancorp of North Carolina's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $12.84. Peoples Bancorp of North Carolina's Cyclically Adjusted PS Ratio of today is 3.39.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Peoples Bancorp of North Carolina was 4.16. The lowest was 1.60. And the median was 2.83.


Peoples Bancorp of North Carolina  (NAS:PEBK) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Peoples Bancorp of North Carolina's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=43.47/12.84
=3.39

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Peoples Bancorp of North Carolina was 4.16. The lowest was 1.60. And the median was 2.83.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Peoples Bancorp of North Carolina Cyclically Adjusted Revenue per Share Related Terms


Peoples Bancorp of North Carolina Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Peoples Bancorp of North Carolina's Cyclically Adjusted Revenue per Share can be seen below:

* 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 Cyclically Adjusted Revenue per Share Chart

Peoples Bancorp of North Carolina Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.69 10.58 11.25 11.90 12.53

Peoples Bancorp of North Carolina Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 12.13 12.33 12.49 12.53 12.84

PEBK vs FFMH, OPBK, CZWI: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Peoples Bancorp of North Carolina's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Peoples Bancorp of North Carolina Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Peoples Bancorp of North Carolina's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Peoples Bancorp of North Carolina's Cyclically Adjusted PS Ratio falls into.


PEBK
64GF Score
Peoples Bancorp of North Carolina Inc PEBK
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Peoples Bancorp of North Carolina Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Peoples Bancorp of North Carolina's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=3.483/330.2130*330.2130
=3.483

Current CPI (Mar. 2026) = 330.2130.

Peoples Bancorp of North Carolina Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 1.995 241.018 2.733
201609 2.016 241.428 2.757
201612 2.097 241.432 2.868
201703 1.985 243.801 2.689
201706 2.112 244.955 2.847
201709 2.172 246.819 2.906
201712 2.174 246.524 2.912
201803 2.200 249.554 2.911
201806 2.266 251.989 2.969
201809 2.336 252.439 3.056
201812 2.403 251.233 3.158
201903 2.434 254.202 3.162
201906 2.494 256.143 3.215
201909 2.512 256.759 3.231
201912 2.575 256.974 3.309
202003 2.472 258.115 3.162
202006 2.478 257.797 3.174
202009 2.810 260.280 3.565
202012 2.678 260.474 3.395
202103 2.637 264.877 3.287
202106 2.727 271.696 3.314
202109 2.588 274.310 3.115
202112 2.602 278.802 3.082
202203 2.585 287.504 2.969
202206 2.755 296.311 3.070
202209 3.218 296.808 3.580
202212 3.349 296.797 3.726
202303 2.833 301.836 3.099
202306 3.167 305.109 3.428
202309 3.139 307.789 3.368
202312 3.103 306.746 3.340
202403 3.113 312.332 3.291
202406 3.285 314.175 3.453
202409 3.261 315.301 3.415
202412 3.311 315.605 3.464
202503 3.257 319.799 3.363
202506 3.456 322.561 3.538
202509 3.396 324.800 3.453
202512 3.489 324.054 3.555
202603 3.483 330.213 3.483

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $12.84 mean?
Peoples Bancorp of North Carolina (PEBK) has a Cyclically Adjusted Revenue per Share of $12.84 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Peoples Bancorp of North Carolina and its competitors.
Is Peoples Bancorp of North Carolina's Cyclically Adjusted Revenue per Share too high?
Peoples Bancorp of North Carolina's current Cyclically Adjusted Revenue per Share is $12.84. Overall, Peoples Bancorp of North Carolina has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Peoples Bancorp of North Carolina's Cyclically Adjusted Revenue per Share compare to FFMH and OPBK?
Peoples Bancorp of North Carolina's Cyclically Adjusted Revenue per Share of $12.84 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Peoples Bancorp of North Carolina and its competitors. Peoples Bancorp of North Carolina's current Cyclically Adjusted Revenue per Share is $12.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Peoples Bancorp of North Carolina stock overvalued right now?
Based on GuruFocus' analysis, Peoples Bancorp of North Carolina (PEBK) is currently considered Significantly Overvalued. The stock's GF Value™ is $31.77, compared to a current price of $43.47 — trading 36.8% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $12.84. Peoples Bancorp of North Carolina's overall GF Score™ is 64/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Peoples Bancorp of North Carolina (PEBK), the current Cyclically Adjusted Revenue per Share is $12.84 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Peoples Bancorp of North Carolina (PEBK) Overvalued in 2026?

Based on GuruFocus' analysis, Peoples Bancorp of North Carolina stock appears to be overvalued. The current stock price of $43.47 is trading 36.8% above its estimated GF Value™ of $31.77. GuruFocus considers Peoples Bancorp of North Carolina to be Significantly Overvalued.

Key valuation signals for PEBK:

  • Cyclically Adjusted Revenue per Share: $12.84
  • GF Value™: $31.77 vs. price of $43.47 (36.8% above fair value)
  • GF Score™: 64/100 with 7 warning signs

No single metric tells the full story. See the PEBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Peoples Bancorp of North Carolina Business Description

Address 518 West C Street, Newton, NC, USA, 28658
Peoples Bancorp of North Carolina Inc is a bank holding company. It is a state-chartered commercial bank serving Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, Charlotte, Cornelius, Raleigh and Cary, North Carolina. It has a diversified loan portfolio with no foreign loans and few agricultural loans. The company's main source of income is dividends declared and paid by the Bank on its capital stock.
64GF Score

Get the complete analysis for PEBK

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.47
Price
$31.77
GF Value