PEBK (Peoples Bancorp of North Carolina) Scaled Net Operating Assets: -0.06 (As of Mar. 2026)


PEBK Peoples Bancorp of North Carolina Inc PEBK
64 GF Score
Price $43.50
GF Value $31.69
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Peoples Bancorp of North Carolina Scaled Net Operating Assets?

Peoples Bancorp of North Carolina PEBK +1.14% 64 Scaled Net Operating Assets is -0.06 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Peoples Bancorp of North Carolina's operating assets for the quarter that ended in Mar. 2026 was $1,460.56 Mil. Peoples Bancorp of North Carolina's operating liabilities for the quarter that ended in Mar. 2026 was $1,557.46 Mil. Peoples Bancorp of North Carolina's Total Assets for the quarter that ended in Dec. 2025 was $1,702.15 Mil. Therefore, Peoples Bancorp of North Carolina's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.06.

PEBK
64GF Score
Peoples Bancorp of North Carolina Inc PEBK
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Peoples Bancorp of North Carolina Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Peoples Bancorp of North Carolina's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1644.043-1525.951)/1651.962
=0.07

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1702.148 - 58.105
=1644.043

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1545.03 - 19.079 - 0
=1525.951

Peoples Bancorp of North Carolina's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1460.558-1557.456)/1702.148
=-0.06

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1734.478 - 273.92
=1460.558

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1576.361 - 18.905 - 0
=1557.456

* 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.

What does a Scaled Net Operating Assets of -0.06 mean?
Peoples Bancorp of North Carolina (PEBK) has a Scaled Net Operating Assets of -0.06 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Peoples Bancorp of North Carolina and its competitors.
Is Peoples Bancorp of North Carolina's Scaled Net Operating Assets too high?
Peoples Bancorp of North Carolina's current Scaled Net Operating Assets is -0.06. 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 Scaled Net Operating Assets compare to FFMH and OPBK?
Peoples Bancorp of North Carolina's Scaled Net Operating Assets of -0.06 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Peoples Bancorp of North Carolina and its competitors. Peoples Bancorp of North Carolina's current Scaled Net Operating Assets is -0.06. 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 $43.50 — trading 37.3% above its estimated fair value. The current Scaled Net Operating Assets is -0.06. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Peoples Bancorp of North Carolina (PEBK), the current Scaled Net Operating Assets is -0.06 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 $43.50 is trading 37.3% above its estimated GF Value™ of $31.69. GuruFocus considers Peoples Bancorp of North Carolina to be Significantly Overvalued.

Key valuation signals for PEBK:

  • Scaled Net Operating Assets: -0.06
  • GF Value™: $31.69 vs. price of $43.50 (37.3% above fair value)
  • GF Score™: 64/100 with 7 warning signs

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

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$43.50
Price
$31.69
GF Value