* 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 FCF Margin % Chart
For the Banks - Regional subindustry, Peoples Bancorp of North Carolina's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Bancorp of North Carolina's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Peoples Bancorp of North Carolina's FCF Margin % falls into.
* 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 FCF Margin % of 24.04% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Peoples Bancorp of North Carolina and its competitors. This is 10% below median its historical median of 26.81. Over the past decade, Peoples Bancorp of North Carolina's FCF Margin % has ranged from 10.98 to 43.54. According to the industry distribution chart, Peoples Bancorp of North Carolina ranks #769 out of 1504 companies in the Banks industry, placing it in the top 51.1%.
Is Peoples Bancorp of North Carolina's FCF Margin % too high?
Peoples Bancorp of North Carolina's current FCF Margin % of 24.04% is 10% below median its 10-year median of 26.81. Over the past 10 years, this metric has ranged from a low of 10.98 to a high of 43.54. The Banks industry median FCF Margin % is 26.50. Peoples Bancorp of North Carolina's value of 24.04% is 9.3% below this industry median. Based on the distribution chart, Peoples Bancorp of North Carolina ranks #769 out of 1504 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 FCF Margin % compare to NKSH and FBLA?
According to the Banks industry distribution chart, Peoples Bancorp of North Carolina ranks #769 out of 1504 companies for FCF Margin %. This places Peoples Bancorp of North Carolina in the lower half of its industry. The industry median FCF Margin % is 26.50. Peoples Bancorp of North Carolina's value of 24.04% is 9.3% below this benchmark. Historically, Peoples Bancorp of North Carolina's own FCF Margin % has ranged from 10.98 to 43.54 over the past decade. While the company's 10-year median is 26.81 vs. the industry median of 26.50, Peoples Bancorp of North Carolina has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Bancorp of North Carolina's current FCF Margin % of 24.04% is 9.3% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Peoples Bancorp of North Carolina and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Bancorp of North Carolina's current FCF Margin % is 24.04%, which is 10% below median its own 10-year median of 26.81. 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 $43.48 — trading 37.2% above its estimated fair value. The current FCF Margin % is 24.04%, which is 10% below median its 10-year median of 26.81 and 9.3% below the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Peoples Bancorp of North Carolina (PEBK), the current FCF Margin % is 24.04% 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 $43.48 is trading 37.2% above its estimated GF Value™ of $31.69.
GuruFocus considers Peoples Bancorp of North Carolina to be Significantly Overvalued.
Key valuation signals for PEBK:
FCF Margin %: 24.04% (10% below median its 10-year median of 26.81)
GF Value™: $31.69 vs. price of $43.48 (37.2% above fair value)
Industry Position: 9.3% below the Banks median (#769 of 1504)
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
Get the complete analysis for PEBK
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PEBK has been successfully added to your 
