Peoples Bancorp of North CarolinaPEBK -0.76%64 Return-on-Tangible-Equity is 11.16% as of Mar. 2026, which is 1% above its 10-year median of 11.05. GuruFocus rates PEBK with a GF Score™ of 64/100 and a GF Value™ of $31.73 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,523 Banks companies, Peoples Bancorp of North Carolina ranks better than 63.49% on this metric.
The historical rank and industry rank for Peoples Bancorp of North Carolina's Return-on-Tangible-Equity or its related term are showing as below:
PEBK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.29 Med: 11.05 Max: 13.79
Current: 13.3
During the past 13 years, Peoples Bancorp of North Carolina's highest Return-on-Tangible-Equity was 13.79%. The lowest was 8.29%. And the median was 11.05%.
PEBK's Return-on-Tangible-Equity is ranked better than 63.49% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs PEBK: 13.30
Peoples Bancorp of North Carolina (NAS:PEBK) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Peoples Bancorp of North Carolina Return-on-Tangible-Equity Related Terms
Peoples Bancorp of North Carolina Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
PEBK vs FFMH, OPBK, CZWI: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Peoples Bancorp of North Carolina's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Bancorp of North Carolina's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Peoples Bancorp of North Carolina's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.16% mean?
Peoples Bancorp of North Carolina (PEBK) has a Return-on-Tangible-Equity of 11.16% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Peoples Bancorp of North Carolina and its competitors. This is near median its historical median of 11.05. Over the past decade, Peoples Bancorp of North Carolina's Return-on-Tangible-Equity has ranged from 8.29 to 13.79. According to the industry distribution chart, Peoples Bancorp of North Carolina ranks #556 out of 1523 companies in the Banks industry, placing it in the top 36.5%.
Is Peoples Bancorp of North Carolina's Return-on-Tangible-Equity too high?
Peoples Bancorp of North Carolina's current Return-on-Tangible-Equity of 11.16% is near median its 10-year median of 11.05. Over the past 10 years, this metric has ranged from a low of 8.29 to a high of 13.79. The Banks industry median Return-on-Tangible-Equity is 11.19. Peoples Bancorp of North Carolina's value of 11.16% is 0.3% below this industry median. Based on the distribution chart, Peoples Bancorp of North Carolina ranks #556 out of 1523 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 Return-on-Tangible-Equity compare to FFMH and OPBK?
According to the Banks industry distribution chart, Peoples Bancorp of North Carolina ranks #556 out of 1523 companies for Return-on-Tangible-Equity. This puts Peoples Bancorp of North Carolina in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Peoples Bancorp of North Carolina's value of 11.16% is 0.3% below this benchmark. Historically, Peoples Bancorp of North Carolina's own Return-on-Tangible-Equity has ranged from 8.29 to 13.79 over the past decade. While the company's 10-year median is 11.05 vs. the industry median of 11.19, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Bancorp of North Carolina's current Return-on-Tangible-Equity of 11.16% is 0.3% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Peoples Bancorp of North Carolina and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Bancorp of North Carolina's current Return-on-Tangible-Equity is 11.16%, which is near median its own 10-year median of 11.05. 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 $31.73, compared to a current price of $42.90 — trading 35.2% above its estimated fair value. The current Return-on-Tangible-Equity is 11.16%, which is near median its 10-year median of 11.05 and 0.3% below the Banks industry median of 11.19. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Peoples Bancorp of North Carolina (PEBK), the current Return-on-Tangible-Equity is 11.16% 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 $42.90 is trading 35.2% above its estimated GF Value™ of $31.73.
GuruFocus considers Peoples Bancorp of North Carolina to be Significantly Overvalued.
Key valuation signals for PEBK:
Return-on-Tangible-Equity: 11.16% (near median its 10-year median of 11.05)
GF Value™: $31.73 vs. price of $42.90 (35.2% above fair value)
Industry Position: 0.3% below the Banks median (#556 of 1523)
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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