The historical rank and industry rank for Peoples Bancorp of North Carolina's Net Margin % or its related term are showing as below:
PEBK'
s Net Margin % Range Over the Past 10 Years
Min: 18.59 Med: 23.27 Max: 26.65
Current: 26.28
PEBK's Net Margin % is ranked worse than 51.83% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs PEBK: 26.28
Peoples Bancorp of North Carolina (NAS:PEBK) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Peoples Bancorp of North Carolina Net Margin % Related Terms
Peoples Bancorp of North Carolina Net Margin % 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 Net Margin % Chart
For the Banks - Regional subindustry, Peoples Bancorp of North Carolina's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Bancorp of North Carolina's Net Margin % distribution charts can be found below:
* The bar in red indicates where Peoples Bancorp of North Carolina's Net 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 Net Margin % of 23.08% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Peoples Bancorp of North Carolina and its competitors. This is near median its historical median of 23.27. Over the past decade, Peoples Bancorp of North Carolina's Net Margin % has ranged from 18.59 to 26.65. According to the industry distribution chart, Peoples Bancorp of North Carolina ranks #791 out of 1526 companies in the Banks industry, placing it in the top 51.8%.
Is Peoples Bancorp of North Carolina's Net Margin % too high?
Peoples Bancorp of North Carolina's current Net Margin % of 23.08% is near median its 10-year median of 23.27. Over the past 10 years, this metric has ranged from a low of 18.59 to a high of 26.65. The Banks industry median Net Margin % is 26.97. Peoples Bancorp of North Carolina's value of 23.08% is 14.4% below this industry median. Based on the distribution chart, Peoples Bancorp of North Carolina ranks #791 out of 1526 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 Net Margin % compare to NKSH and FBLA?
According to the Banks industry distribution chart, Peoples Bancorp of North Carolina ranks #791 out of 1526 companies for Net Margin %. This places Peoples Bancorp of North Carolina in the lower half of its industry. The industry median Net Margin % is 26.97. Peoples Bancorp of North Carolina's value of 23.08% is 14.4% below this benchmark. Historically, Peoples Bancorp of North Carolina's own Net Margin % has ranged from 18.59 to 26.65 over the past decade. While the company's 10-year median is 23.27 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net 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 Net Margin % of 23.08% is 14.4% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Peoples Bancorp of North Carolina and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Bancorp of North Carolina's current Net Margin % is 23.08%, which is near median its own 10-year median of 23.27. 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 Net Margin % is 23.08%, which is near median its 10-year median of 23.27 and 14.4% below the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Peoples Bancorp of North Carolina (PEBK), the current Net Margin % is 23.08% 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:
Net Margin %: 23.08% (near median its 10-year median of 23.27)
GF Value™: $31.69 vs. price of $43.48 (37.2% above fair value)
Industry Position: 14.4% below the Banks median (#791 of 1526)
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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