ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Peoples Bancorp of North Carolina's annualizedNet Income for the quarter that ended in Mar. 2026 was $17.59 Mil.
Peoples Bancorp of North Carolina's average Total Assets over the quarter that ended in Mar. 2026 was $1,718.31 Mil. Therefore, Peoples Bancorp of North Carolina's annualized ROA % for the quarter that ended in Mar. 2026 was 1.02%.
PEBK'
s ROA % Range Over the Past 10 Years
Min: 0.86 Med: 0.99 Max: 1.25
Current: 1.16
During the past 13 years, Peoples Bancorp of North Carolina's highest ROA % was 1.25%. The lowest was 0.86%. And the median was 0.99%.
PEBK's ROA % is ranked better than 61.32% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs PEBK: 1.16
Peoples Bancorp of North Carolina (NAS:PEBK) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Peoples Bancorp of North Carolina ROA % Related Terms
Peoples Bancorp of North Carolina ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Bancorp of North Carolina's ROA % distribution charts can be found below:
* The bar in red indicates where Peoples Bancorp of North Carolina's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Peoples Bancorp of North Carolina (PEBK) has a ROA % of 1.02% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Peoples Bancorp of North Carolina and its competitors. This is near median its historical median of 0.99. Over the past decade, Peoples Bancorp of North Carolina's ROA % has ranged from 0.86 to 1.25. According to the industry distribution chart, Peoples Bancorp of North Carolina ranks #591 out of 1528 companies in the Banks industry, placing it in the top 38.7%.
Is Peoples Bancorp of North Carolina's ROA % too high?
Peoples Bancorp of North Carolina's current ROA % of 1.02% is near median its 10-year median of 0.99. Over the past 10 years, this metric has ranged from a low of 0.86 to a high of 1.25. The Banks industry median ROA % is 0.98. Peoples Bancorp of North Carolina's value of 1.02% is 4.1% above this industry median. Based on the distribution chart, Peoples Bancorp of North Carolina ranks #591 out of 1528 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 ROA % compare to NKSH and FBLA?
According to the Banks industry distribution chart, Peoples Bancorp of North Carolina ranks #591 out of 1528 companies for ROA %. This puts Peoples Bancorp of North Carolina in the upper half of its industry. The industry median ROA % is 0.98. Peoples Bancorp of North Carolina's value of 1.02% is 4.1% above this benchmark. Historically, Peoples Bancorp of North Carolina's own ROA % has ranged from 0.86 to 1.25 over the past decade. While the company's 10-year median is 0.99 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Bancorp of North Carolina's current ROA % of 1.02% is 4.1% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Peoples Bancorp of North Carolina and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Bancorp of North Carolina's current ROA % is 1.02%, which is near median its own 10-year median of 0.99. 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 ROA % is 1.02%, which is near median its 10-year median of 0.99 and 4.1% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Peoples Bancorp of North Carolina (PEBK), the current ROA % is 1.02% 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:
ROA %: 1.02% (near median its 10-year median of 0.99)
GF Value™: $31.69 vs. price of $43.48 (37.2% above fair value)
Industry Position: 4.1% above the Banks median (#591 of 1528)
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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