PEBK (Peoples Bancorp of North Carolina) EPS (Basic): $3.75 (TTM As of Mar. 2026)


PEBK Peoples Bancorp of North Carolina Inc PEBK
64 GF Score
Price $43.96
GF Value $31.69
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Peoples Bancorp of North Carolina EPS (Basic)?

Peoples Bancorp of North Carolina PEBK +0.09% 64 EPS (Basic) is $3.75 as of Mar. 2026. GuruFocus rates PEBK with a GF Score™ of 64/100 and a GF Value™ of $31.69 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Peoples Bancorp of North Carolina's basic earnings per share (Basic EPS) for the three months ended in Mar. 2026 was $0.83. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Mar. 2026 was $3.75.

Peoples Bancorp of North Carolina's EPS (Diluted) for the three months ended in Mar. 2026 was $0.80. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $3.63.

Peoples Bancorp of North Carolina's EPS without NRI for the three months ended in Mar. 2026 was $0.80. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was 3.63.

During the past 12 months, Peoples Bancorp of North Carolina's average EPS without NRIGrowth Rate was 19.00% per year. During the past 3 years, the average EPS without NRI Growth Rate was 3.80% per year. During the past 5 years, the average EPS without NRI Growth Rate was 7.20% per year. During the past 10 years, the average EPS without NRI Growth Rate was 7.50% 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 EPS without NRI Growth Rate using EPS without NRI data.

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) EPS (Basic) Explanation

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 EPS (Basic) Related Terms

Peoples Bancorp of North Carolina EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Peoples Bancorp of North Carolina's EPS (Basic) 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 EPS (Basic) Chart

Peoples Bancorp of North Carolina Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.71 2.94 2.87 3.08 3.74

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
EPS (Basic) 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 0.82 0.97 0.70 1.25 0.83
PEBK
64GF Score
Peoples Bancorp of North Carolina Inc PEBK
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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Peoples Bancorp of North Carolina EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Peoples Bancorp of North Carolina's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(19.83-0)/5.305
=3.74

Peoples Bancorp of North Carolina's Basic EPS for the quarter that ended in Mar. 2026 is calculated as

Basic EPS (Q: Mar. 2026 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(4.398-0)/5.310
=0.83

EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.75

* 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.

Frequently Asked Questions Learn more about EPS (Basic) →
What does a EPS (Basic) of $3.75 mean?
Peoples Bancorp of North Carolina (PEBK) has a EPS (Basic) of $3.75 as of Mar. 2026. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Peoples Bancorp of North Carolina and its competitors.
Is Peoples Bancorp of North Carolina's EPS (Basic) too high?
Peoples Bancorp of North Carolina's current EPS (Basic) is $3.75. 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 EPS (Basic) compare to NKSH and FBLA?
Peoples Bancorp of North Carolina's EPS (Basic) of $3.75 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 EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Peoples Bancorp of North Carolina and its competitors. Peoples Bancorp of North Carolina's current EPS (Basic) is $3.75. 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 $31.69, compared to a current price of $43.96 — trading 38.7% above its estimated fair value. The current EPS (Basic) is $3.75. 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 EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For Peoples Bancorp of North Carolina (PEBK), the current EPS (Basic) is $3.75 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 $43.96 is trading 38.7% above its estimated GF Value™ of $31.69. GuruFocus considers Peoples Bancorp of North Carolina to be Significantly Overvalued.

Key valuation signals for PEBK:

  • EPS (Basic): $3.75
  • GF Value™: $31.69 vs. price of $43.96 (38.7% 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

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.96
Price
$31.69
GF Value