OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Peoples Bancorp of North Carolina OCF Yield % Explanation
Similar to Earnings Yield %, OCF 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 operating 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 OCF Yield % Related Terms
Peoples Bancorp of North Carolina OCF 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 OCF Yield % Chart
For the Banks - Regional subindustry, Peoples Bancorp of North Carolina's OCF Yield %, along with its competitors' market caps and OCF 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Bancorp of North Carolina's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Peoples Bancorp of North Carolina's OCF 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 OCF Yield % of 8.97 as of Jun. 28, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Peoples Bancorp of North Carolina and its competitors. This is 22% below median its historical median of 11.44. Over the past decade, Peoples Bancorp of North Carolina's OCF Yield % has ranged from 5.55 to 26.01. According to the industry distribution chart, Peoples Bancorp of North Carolina ranks #779 out of 1505 companies in the Banks industry, placing it in the top 51.8%.
Is Peoples Bancorp of North Carolina's OCF Yield % too high?
Peoples Bancorp of North Carolina's current OCF Yield % of 8.97 is 22% below median its 10-year median of 11.44. Over the past 10 years, this metric has ranged from a low of 5.55 to a high of 26.01. The Banks industry median OCF Yield % is 9.32. Peoples Bancorp of North Carolina's value of 8.97 is 3.8% below this industry median. Based on the distribution chart, Peoples Bancorp of North Carolina ranks #779 out of 1505 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 OCF Yield % compare to NKSH and FBLA?
According to the Banks industry distribution chart, Peoples Bancorp of North Carolina ranks #779 out of 1505 companies for OCF Yield %. This places Peoples Bancorp of North Carolina in the lower half of its industry. The industry median OCF Yield % is 9.32. Peoples Bancorp of North Carolina's value of 8.97 is 3.8% below this benchmark. Historically, Peoples Bancorp of North Carolina's own OCF Yield % has ranged from 5.55 to 26.01 over the past decade. While the company's 10-year median is 11.44 vs. the industry median of 9.32, 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.32, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF 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 OCF Yield % of 8.97 is 3.8% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Peoples Bancorp of North Carolina and its competitors. For the Banks industry, the median OCF Yield % is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Bancorp of North Carolina's current OCF Yield % is 8.97, which is 22% below median its own 10-year median of 11.44. 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 OCF Yield % is 8.97, which is 22% below median its 10-year median of 11.44 and 3.8% below the Banks industry median of 9.32. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Peoples Bancorp of North Carolina (PEBK), the current OCF Yield % is 8.97 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:
OCF Yield %: 8.97 (22% below median its 10-year median of 11.44)
GF Value™: $31.69 vs. price of $43.01 (35.7% above fair value)
Industry Position: 3.8% below the Banks median (#779 of 1505)
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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