What is Peoples Bancorp of North Carolina FCF Yield %?
Peoples Bancorp of North CarolinaPEBK -0.54%64 FCF Yield % is 8.49 as of Jun. 28, 2026, which is 16% below its 10-year median of 10.14. 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. Among 1,507 Banks companies, Peoples Bancorp of North Carolina ranks better than 51.43% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Peoples Bancorp of North Carolina FCF Yield % Explanation
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Peoples Bancorp of North Carolina FCF Yield % Related Terms
Peoples Bancorp of North Carolina FCF Yield % 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 FCF Yield % Chart
For the Banks - Regional subindustry, Peoples Bancorp of North Carolina's FCF Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Bancorp of North Carolina's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Peoples Bancorp of North Carolina's FCF Yield % 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 Yield % of 8.49 as of Jun. 28, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Peoples Bancorp of North Carolina and its competitors. This is 16% below median its historical median of 10.14. Over the past decade, Peoples Bancorp of North Carolina's FCF Yield % has ranged from 3.53 to 21.68. According to the industry distribution chart, Peoples Bancorp of North Carolina ranks #732 out of 1507 companies in the Banks industry, placing it in the top 48.6%.
Is Peoples Bancorp of North Carolina's FCF Yield % too high?
Peoples Bancorp of North Carolina's current FCF Yield % of 8.49 is 16% below median its 10-year median of 10.14. Over the past 10 years, this metric has ranged from a low of 3.53 to a high of 21.68. The Banks industry median FCF Yield % is 8.14. Peoples Bancorp of North Carolina's value of 8.49 is 4.3% above this industry median. Based on the distribution chart, Peoples Bancorp of North Carolina ranks #732 out of 1507 companies in the Banks industry, which is above 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 Yield % compare to NKSH and FBLA?
According to the Banks industry distribution chart, Peoples Bancorp of North Carolina ranks #732 out of 1507 companies for FCF Yield %. This puts Peoples Bancorp of North Carolina in the upper half of its industry. The industry median FCF Yield % is 8.14. Peoples Bancorp of North Carolina's value of 8.49 is 4.3% above this benchmark. Historically, Peoples Bancorp of North Carolina's own FCF Yield % has ranged from 3.53 to 21.68 over the past decade. While the company's 10-year median is 10.14 vs. the industry median of 8.14, 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.14, based on 1,507 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % 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 Yield % of 8.49 is 4.3% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Peoples Bancorp of North Carolina and its competitors. For the Banks industry, the median FCF Yield % is 8.14 — 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 Yield % is 8.49, which is 16% below median its own 10-year median of 10.14. 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 $43.01 — trading 35.7% above its estimated fair value. The current FCF Yield % is 8.49, which is 16% below median its 10-year median of 10.14 and 4.3% above the Banks industry median of 8.14. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Peoples Bancorp of North Carolina (PEBK), the current FCF Yield % is 8.49 as of Jun. 28, 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 $43.01 is trading 35.7% above its estimated GF Value™ of $31.69.
GuruFocus considers Peoples Bancorp of North Carolina to be Significantly Overvalued.
Key valuation signals for PEBK:
FCF Yield %: 8.49 (16% below median its 10-year median of 10.14)
GF Value™: $31.69 vs. price of $43.01 (35.7% above fair value)
Industry Position: 4.3% above the Banks median (#732 of 1507)
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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