PEBK (Peoples Bancorp of North Carolina) LT-Debt-to-Total-Asset: 0.01 (As of Mar. 2026)

What is Peoples Bancorp of North Carolina LT-Debt-to-Total-Asset?

Peoples Bancorp of North Carolina PEBK -1.07% 64 LT-Debt-to-Total-Asset is 0.01 as of Mar. 2026. GuruFocus rates PEBK with a GF Score™ of 64/100 and a GF Value™ of $31.72 (Significantly Overvalued). The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Peoples Bancorp of North Carolina's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.01.

Peoples Bancorp of North Carolina's long-term debt to total assets ratio stayed the same from Mar. 2025 (0.01) to Mar. 2026 (0.01).

Peoples Bancorp of North Carolina (NAS:PEBK) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Peoples Bancorp of North Carolina LT-Debt-to-Total-Asset Related Terms

Peoples Bancorp of North Carolina LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Peoples Bancorp of North Carolina's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Peoples Bancorp of North Carolina Annual Data

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LT-Debt-to-Total-Asset

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0.01

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.01	0.01	0.01	0.01	0.01

64GF Score

Peoples Bancorp of North Carolina Inc PEBK

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Peoples Bancorp of North Carolina LT-Debt-to-Total-Asset Calculation

Peoples Bancorp of North Carolina's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	19.079	/	1702.148
	=	0.01

Peoples Bancorp of North Carolina's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	18.905	/	1734.478
	=	0.01

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.01 mean?

Peoples Bancorp of North Carolina (PEBK) has a LT-Debt-to-Total-Asset of 0.01 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Peoples Bancorp of North Carolina and its competitors.

Is Peoples Bancorp of North Carolina's LT-Debt-to-Total-Asset too high?

Peoples Bancorp of North Carolina's current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset compare to FFMH and OPBK?

Peoples Bancorp of North Carolina's LT-Debt-to-Total-Asset of 0.01 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Peoples Bancorp of North Carolina and its competitors. Peoples Bancorp of North Carolina's current LT-Debt-to-Total-Asset is 0.01. 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 $31.72, compared to a current price of $43.52 — trading 37.2% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Peoples Bancorp of North Carolina (PEBK), the current LT-Debt-to-Total-Asset is 0.01 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 $43.52 is trading 37.2% above its estimated GF Value™ of $31.72. GuruFocus considers Peoples Bancorp of North Carolina to be Significantly Overvalued.

Key valuation signals for PEBK:

LT-Debt-to-Total-Asset: 0.01
GF Value™: $31.72 vs. price of $43.52 (37.2% 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

Industry Financial Services Banks

Comparable Companies FFMH OPBK CZWI EFSI CMTV MRBK FCAP INBK NKSH QNBC SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 518 West C Street, Newton, NC, USA, 28658

Website https://www.peoplesbanknc.com

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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$43.52

Price

$31.72

GF Value

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