PEBK (Peoples Bancorp of North Carolina) Dividend Payout Ratio: 0.26 (As of Mar. 2026) — Near Median


PEBK Peoples Bancorp of North Carolina Inc PEBK
64 GF Score
Price $42.89
GF Value $31.69
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Peoples Bancorp of North Carolina Dividend Payout Ratio?

Peoples Bancorp of North Carolina PEBK -0.28% 64 Dividend Payout Ratio is 0.26 as of Mar. 2026, which is 4% above its 10-year median of 0.25. 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 1,172 Banks companies, Peoples Bancorp of North Carolina ranks better than 74.4% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Peoples Bancorp of North Carolina's Dividend Payout Ratio for the months ended in Mar. 2026 was 0.26.

The historical rank and industry rank for Peoples Bancorp of North Carolina's Dividend Payout Ratio or its related term are showing as below:

PEBK' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.21   Med: 0.25   Max: 0.28
Current: 0.22

During the past 13 years, the highest Dividend Payout Ratio of Peoples Bancorp of North Carolina was 0.28. The lowest was 0.21. And the median was 0.25.

PEBK's Dividend Payout Ratio is ranked better than
74.4% of 1172 companies
in the Banks industry
Industry Median: 0.32 vs PEBK: 0.22

As of today (2026-06-29), the Dividend Yield % of Peoples Bancorp of North Carolina is 1.92%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Peoples Bancorp of North Carolina was 4.22%. The lowest was 1.23%. And the median was 2.29%.

Peoples Bancorp of North Carolina's Dividends per Share for the months ended in Mar. 2026 was $0.21.

During the past 12 months, Peoples Bancorp of North Carolina's average Dividends Per Share Growth Rate was 5.20% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 3.60% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 5.60% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 10.90% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Peoples Bancorp of North Carolina was 68.10% per year. The lowest was -44.90% per year. And the median was 8.20% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Peoples Bancorp of North Carolina (NAS:PEBK) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Peoples Bancorp of North Carolina Dividend Payout Ratio Related Terms

Peoples Bancorp of North Carolina Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Peoples Bancorp of North Carolina's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

Peoples Bancorp of North Carolina Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.25 0.25 0.28 0.26 0.25

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
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.25 0.21 0.30 0.17 0.26

PEBK vs FFMH, OPBK, CZWI: Dividend Payout Ratio Comparison

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

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

* The bar in red indicates where Peoples Bancorp of North Carolina's Dividend Payout Ratio falls into.


PEBK
64GF Score
Peoples Bancorp of North Carolina Inc PEBK
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Peoples Bancorp of North Carolina Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

Peoples Bancorp of North Carolina's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=0.8/ 3.198
=0.25

Peoples Bancorp of North Carolina's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Mar. 2026 )/ EPS without NRI (Q: Mar. 2026 )
=0.21/ 0.8
=0.26

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.26 mean?
Peoples Bancorp of North Carolina (PEBK) has a Dividend Payout Ratio of 0.26 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Peoples Bancorp of North Carolina and its competitors. This is near median its historical median of 0.25. Over the past decade, Peoples Bancorp of North Carolina's Dividend Payout Ratio has ranged from 0.21 to 0.28. According to the industry distribution chart, Peoples Bancorp of North Carolina ranks #300 out of 1172 companies in the Banks industry, placing it in the top 25.6%.
Is Peoples Bancorp of North Carolina's Dividend Payout Ratio too high?
Peoples Bancorp of North Carolina's current Dividend Payout Ratio of 0.26 is near median its 10-year median of 0.25. Over the past 10 years, this metric has ranged from a low of 0.21 to a high of 0.28. The Banks industry median Dividend Payout Ratio is 0.32. Peoples Bancorp of North Carolina's value of 0.26 is 18.8% below this industry median. Based on the distribution chart, Peoples Bancorp of North Carolina ranks #300 out of 1172 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 Dividend Payout Ratio compare to FFMH and OPBK?
According to the Banks industry distribution chart, Peoples Bancorp of North Carolina ranks #300 out of 1172 companies for Dividend Payout Ratio. This puts Peoples Bancorp of North Carolina in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. Peoples Bancorp of North Carolina's value of 0.26 is 18.8% below this benchmark. Historically, Peoples Bancorp of North Carolina's own Dividend Payout Ratio has ranged from 0.21 to 0.28 over the past decade. While the company's 10-year median is 0.25 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,172 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Bancorp of North Carolina's current Dividend Payout Ratio of 0.26 is 18.8% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Peoples Bancorp of North Carolina and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Bancorp of North Carolina's current Dividend Payout Ratio is 0.26, which is near median its own 10-year median of 0.25. 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 $42.89 — trading 35.3% above its estimated fair value. The current Dividend Payout Ratio is 0.26, which is near median its 10-year median of 0.25 and 18.8% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Peoples Bancorp of North Carolina (PEBK), the current Dividend Payout Ratio is 0.26 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 $42.89 is trading 35.3% above its estimated GF Value™ of $31.69. GuruFocus considers Peoples Bancorp of North Carolina to be Significantly Overvalued.

Key valuation signals for PEBK:

  • Dividend Payout Ratio: 0.26 (near median its 10-year median of 0.25)
  • GF Value™: $31.69 vs. price of $42.89 (35.3% above fair value)
  • GF Score™: 64/100 with 7 warning signs
  • Industry Position: 18.8% below the Banks median (#300 of 1172)

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

Get the complete analysis for PEBK

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$42.89
Price
$31.69
GF Value