* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
PEBK'
s PEG Ratio Range Over the Past 10 Years
Min: 0.98 Med: 1.83 Max: 22.25
Current: 3.66
During the past 13 years, Peoples Bancorp of North Carolina's highest PEG Ratio was 22.25. The lowest was 0.98. And the median was 1.83.
PEBK's PEG Ratio is ranked worse than 78.11% of 1229
companies
in the Banks industry
Industry Median: 1.52
vs PEBK: 3.66
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Peoples Bancorp of North Carolina (NAS:PEBK) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Peoples Bancorp of North Carolina PEG Ratio Related Terms
Peoples Bancorp of North Carolina PEG Ratio 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.
For the Banks - Regional subindustry, Peoples Bancorp of North Carolina's PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Bancorp of North Carolina's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Peoples Bancorp of North Carolina's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Peoples Bancorp of North Carolina (PEBK) has a PEG Ratio of 3.66 as of Jul. 01, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Peoples Bancorp of North Carolina and its competitors. This is 100% above median its historical median of 1.83. Over the past decade, Peoples Bancorp of North Carolina's PEG Ratio has ranged from 0.98 to 22.25. According to the industry distribution chart, Peoples Bancorp of North Carolina ranks #960 out of 1229 companies in the Banks industry, placing it in the top 78.1%.
Is Peoples Bancorp of North Carolina's PEG Ratio too high?
Peoples Bancorp of North Carolina's current PEG Ratio of 3.66 is 100% above median its 10-year median of 1.83. Over the past 10 years, this metric has ranged from a low of 0.98 to a high of 22.25. The Banks industry median PEG Ratio is 1.52. Peoples Bancorp of North Carolina's value of 3.66 is 140.8% above this industry median. Based on the distribution chart, Peoples Bancorp of North Carolina ranks #960 out of 1229 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 PEG Ratio compare to FFMH and OPBK?
According to the Banks industry distribution chart, Peoples Bancorp of North Carolina ranks #960 out of 1229 companies for PEG Ratio. This places Peoples Bancorp of North Carolina in the lower half of its industry. The industry median PEG Ratio is 1.52. Peoples Bancorp of North Carolina's value of 3.66 is 140.8% above this benchmark. Historically, Peoples Bancorp of North Carolina's own PEG Ratio has ranged from 0.98 to 22.25 over the past decade. While the company's 10-year median is 1.83 vs. the industry median of 1.52, Peoples Bancorp of North Carolina has consistently been above 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.52, based on 1,229 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG 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 PEG Ratio of 3.66 is 140.8% above 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Peoples Bancorp of North Carolina and its competitors. For the Banks industry, the median PEG Ratio is 1.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Bancorp of North Carolina's current PEG Ratio is 3.66, which is 100% above median its own 10-year median of 1.83. 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 PEG Ratio is 3.66, which is 100% above median its 10-year median of 1.83 and 140.8% above the Banks industry median of 1.52. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Peoples Bancorp of North Carolina (PEBK), the current PEG Ratio is 3.66 as of Jul. 01, 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:
PEG Ratio: 3.66 (100% above median its 10-year median of 1.83)
GF Value™: $31.71 vs. price of $43.82 (38.2% above fair value)
Industry Position: 140.8% above the Banks median (#960 of 1229)
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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