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During the past 13 years, Peoples Bancorp of North Carolina's highest 3-Year average EPS without NRI Growth Rate was 91.90% per year. The lowest was -53.90% per year. And the median was 11.10% per year.
Peoples Bancorp of North Carolina (NAS:PEBK) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Peoples Bancorp of North Carolina Earnings per Share (Diluted) Related Terms
Peoples Bancorp of North Carolina Earnings per Share (Diluted) Historical Data
* 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 Earnings per Share (Diluted) Chart
PEBK vs MRBK, FBLA, CMTV: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, Peoples Bancorp of North Carolina's PE Ratio, along with its competitors' market caps and PE 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Bancorp of North Carolina's PE Ratio distribution charts can be found below:
* The bar in red indicates where Peoples Bancorp of North Carolina's PE Ratio falls into.
Peoples Bancorp of North Carolina Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.64
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $3.64 mean?
Peoples Bancorp of North Carolina (PEBK) has a Earnings per Share (Diluted) of $3.64 as of Jun. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Peoples Bancorp of North Carolina and its competitors. According to the industry distribution chart, Peoples Bancorp of North Carolina ranks #859 out of 1407 companies in the Banks industry, placing it in the top 61.1%.
Is Peoples Bancorp of North Carolina's Earnings per Share (Diluted) too high?
Peoples Bancorp of North Carolina's current Earnings per Share (Diluted) is $3.64. The Banks industry median Earnings per Share (Diluted) is 7.50. Peoples Bancorp of North Carolina's value of $3.64 is 51.5% below this industry median. Based on the distribution chart, Peoples Bancorp of North Carolina ranks #859 out of 1407 companies in the Banks industry, which is below the industry midpoint. 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 Earnings per Share (Diluted) compare to MRBK and FBLA?
According to the Banks industry distribution chart, Peoples Bancorp of North Carolina ranks #859 out of 1407 companies for Earnings per Share (Diluted). This places Peoples Bancorp of North Carolina in the lower half of its industry. The industry median Earnings per Share (Diluted) is 7.50. Peoples Bancorp of North Carolina's value of $3.64 is 51.5% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.50, based on 1,407 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Bancorp of North Carolina's current Earnings per Share (Diluted) of $3.64 is 51.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Peoples Bancorp of North Carolina and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Bancorp of North Carolina's current Earnings per Share (Diluted) is $3.64. 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 $32.64, compared to a current price of $43.20 — trading 32.4% above its estimated fair value. The current Earnings per Share (Diluted) is $3.64 and 51.5% below the Banks industry median of 7.50. Peoples Bancorp of North Carolina's overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Peoples Bancorp of North Carolina (PEBK), the current Earnings per Share (Diluted) is $3.64 as of Jun. 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 $43.20 is trading 32.4% above its estimated GF Value™ of $32.64.
GuruFocus considers Peoples Bancorp of North Carolina to be Significantly Overvalued.
Key valuation signals for PEBK:
Earnings per Share (Diluted): $3.64
GF Value™: $32.64 vs. price of $43.20 (32.4% above fair value)
Industry Position: 51.5% below the Banks median (#859 of 1407)
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 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
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