PEBK (Peoples Bancorp of North Carolina) Tariff Resilience Score: 9/10 (As of Jul. 05, 2026)


PEBK Peoples Bancorp of North Carolina Inc PEBK
64 GF Score
Price $43.52
GF Value $31.72
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Peoples Bancorp of North Carolina Tariff Resilience Score?

Peoples Bancorp of North Carolina PEBK -1.07% 64 Tariff Resilience Score is 9 as of Jul. 05, 2026. GuruFocus rates PEBK with a GF Score™ of 64/100 and a GF Value™ of $31.72 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,608 Banks companies, Peoples Bancorp of North Carolina ranks better than 99.25% on this metric.

Peoples Bancorp of North Carolina has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

Peoples Bancorp of North Carolina has PEBK operates mainly within the U.S., limiting direct tariff impact. Its exposure is primarily through clients, but a strong local focus and diversified services provide significant resilience.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Peoples Bancorp of North Carolina might have Highly Resilient.

Peoples Bancorp of North Carolina  (NAS:PEBK) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Peoples Bancorp of North Carolina Tariff Resilience Score Related Terms

PEBK vs FFMH, OPBK, CZWI: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Peoples Bancorp of North Carolina's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, Peoples Bancorp of North Carolina's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Peoples Bancorp of North Carolina's Tariff Resilience Score falls into.


PEBK
64GF Score
Peoples Bancorp of North Carolina Inc PEBK
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
Peoples Bancorp of North Carolina (PEBK) has a Tariff Resilience Score of 9 as of Jul. 05, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Peoples Bancorp of North Carolina ranks #12 out of 1608 companies in the Banks industry, placing it in the top 0.7%.
Is Peoples Bancorp of North Carolina's Tariff Resilience Score too high?
Peoples Bancorp of North Carolina's current Tariff Resilience Score is 9. Based on the distribution chart, Peoples Bancorp of North Carolina ranks #12 out of 1608 companies in the Banks industry, which is in the top quartile — a strong position 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 Tariff Resilience Score compare to FFMH and OPBK?
According to the Banks industry distribution chart, Peoples Bancorp of North Carolina ranks #12 out of 1608 companies for Tariff Resilience Score. This places Peoples Bancorp of North Carolina in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Peoples Bancorp of North Carolina's current Tariff Resilience Score is 9. 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 $31.72, compared to a current price of $43.52 — trading 37.2% above its estimated fair value. The current Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Peoples Bancorp of North Carolina (PEBK), the current Tariff Resilience Score is 9 as of Jul. 05, 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 $43.52 is trading 37.2% above its estimated GF Value™ of $31.72. GuruFocus considers Peoples Bancorp of North Carolina to be Significantly Overvalued.

Key valuation signals for PEBK:

  • Tariff Resilience Score: 9
  • GF Value™: $31.72 vs. price of $43.52 (37.2% 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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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.52
Price
$31.72
GF Value