PEBK (Peoples Bancorp of North Carolina) Moat Score: 3/10 (As of Jul. 02, 2026)


PEBK Peoples Bancorp of North Carolina Inc PEBK
64 GF Score
Price $43.82
GF Value $31.71
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Peoples Bancorp of North Carolina Moat Score?

Peoples Bancorp of North Carolina PEBK 64 Moat Score is 3 as of Jul. 02, 2026. GuruFocus rates PEBK with a GF Score™ of 64/100 and a GF Value™ of $31.71 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,612 Banks companies, Peoples Bancorp of North Carolina ranks better than 74.5% on this metric.

Peoples Bancorp of North Carolina has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Peoples Bancorp of North Carolina has No Moat: Peoples Bancorp of North Carolina Inc exhibits transient advantages with no significant market share or cost advantages, and faces intense competition in the banking sector.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Peoples Bancorp of North Carolina might have No Moat - Very weak/transient advantages.

Peoples Bancorp of North Carolina  (NAS:PEBK) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Peoples Bancorp of North Carolina Moat Score Related Terms

PEBK vs FFMH, OPBK, CZWI: Moat Score Comparison

For the Banks - Regional subindustry, Peoples Bancorp of North Carolina's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Peoples Bancorp of North Carolina's Moat Score distribution charts can be found below:

* The bar in red indicates where Peoples Bancorp of North Carolina's Moat Score falls into.


PEBK
64GF Score
Peoples Bancorp of North Carolina Inc PEBK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Peoples Bancorp of North Carolina (PEBK) has a Moat Score of 3 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Peoples Bancorp of North Carolina ranks #411 out of 1612 companies in the Banks industry, placing it in the top 25.5%.
Is Peoples Bancorp of North Carolina's Moat Score too high?
Peoples Bancorp of North Carolina's current Moat Score is 3. Based on the distribution chart, Peoples Bancorp of North Carolina ranks #411 out of 1612 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 Moat Score compare to FFMH and OPBK?
According to the Banks industry distribution chart, Peoples Bancorp of North Carolina ranks #411 out of 1612 companies for Moat Score. This puts Peoples Bancorp of North Carolina in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Peoples Bancorp of North Carolina's current Moat Score is 3. 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 $43.82 — trading 38.2% above its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Peoples Bancorp of North Carolina (PEBK), the current Moat Score is 3 as of Jul. 02, 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 $43.82 is trading 38.2% above its estimated GF Value™ of $31.71. GuruFocus considers Peoples Bancorp of North Carolina to be Significantly Overvalued.

Key valuation signals for PEBK:

  • Moat Score: 3
  • GF Value™: $31.71 vs. price of $43.82 (38.2% 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

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

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$43.82
Price
$31.71
GF Value