PEBK'
s EV-to-FCF Range Over the Past 10 Years
Min: -6.73 Med: 7.64 Max: 23.35
Current: 9.63
During the past 13 years, the highest EV-to-FCF of Peoples Bancorp of North Carolina was 23.35. The lowest was -6.73. And the median was 7.64.
PEBK's EV-to-FCF is ranked worse than 60.55% of 1194
companies
in the Banks industry
Industry Median: 6.565
vs PEBK: 9.63
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Peoples Bancorp of North Carolina (NAS:PEBK) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Peoples Bancorp of North Carolina's PE Ratio (TTM) for today is calculated as:
Peoples Bancorp of North Carolina's share price for today is $43.11.
Peoples Bancorp of North Carolina's Earnings per Share (Diluted) 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 $3.630.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Peoples Bancorp of North Carolina EV-to-FCF Related Terms
Peoples Bancorp of North Carolina EV-to-FCF 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.
For the Banks - Regional subindustry, Peoples Bancorp of North Carolina's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Bancorp of North Carolina's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Peoples Bancorp of North Carolina's EV-to-FCF falls into.
Peoples Bancorp of North Carolina's current Enterprise Value is $186.55 Mil.
Peoples Bancorp of North Carolina's Free Cash Flow 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 $19.38 Mil.
* 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 (PEBK) has a EV-to-FCF of 9.63 as of Jul. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Peoples Bancorp of North Carolina and its competitors. This is 26% above median its historical median of 7.64. According to the industry distribution chart, Peoples Bancorp of North Carolina ranks #723 out of 1194 companies in the Banks industry, placing it in the top 60.6%.
Is Peoples Bancorp of North Carolina's EV-to-FCF too high?
Peoples Bancorp of North Carolina's current EV-to-FCF of 9.63 is 26% above median its 10-year median of 7.64. The Banks industry median EV-to-FCF is 6.57. Peoples Bancorp of North Carolina's value of 9.63 is 46.7% above this industry median. Based on the distribution chart, Peoples Bancorp of North Carolina ranks #723 out of 1194 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 EV-to-FCF compare to FFMH and OPBK?
According to the Banks industry distribution chart, Peoples Bancorp of North Carolina ranks #723 out of 1194 companies for EV-to-FCF. This places Peoples Bancorp of North Carolina in the lower half of its industry. The industry median EV-to-FCF is 6.57. Peoples Bancorp of North Carolina's value of 9.63 is 46.7% above this benchmark. While the company's 10-year median is 7.64 vs. the industry median of 6.57, Peoples Bancorp of North Carolina has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,194 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Bancorp of North Carolina's current EV-to-FCF of 9.63 is 46.7% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Peoples Bancorp of North Carolina and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Bancorp of North Carolina's current EV-to-FCF is 9.63, which is 26% above median its own 10-year median of 7.64. 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 $31.71, compared to a current price of $43.11 — trading 36% above its estimated fair value. The current EV-to-FCF is 9.63, which is 26% above median its 10-year median of 7.64 and 46.7% above the Banks industry median of 6.57. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Peoples Bancorp of North Carolina (PEBK), the current EV-to-FCF is 9.63 as of Jul. 01, 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 $43.11 is trading 36% above its estimated GF Value™ of $31.71.
GuruFocus considers Peoples Bancorp of North Carolina to be Significantly Overvalued.
Key valuation signals for PEBK:
EV-to-FCF: 9.63 (26% above median its 10-year median of 7.64)
GF Value™: $31.71 vs. price of $43.11 (36% above fair value)
Industry Position: 46.7% above the Banks median (#723 of 1194)
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
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
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