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Peoples Bancorp of North CarolinaPEBK -2.14%64 5-Year Yield-on-Cost % is 2.53 as of Jul. 20, 2026, which is 16% below its 10-year median of 3.01. GuruFocus rates PEBK with a GF Score™ of 64/100 and a GF Value™ of $31.78 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,259 Banks companies, Peoples Bancorp of North Carolina ranks worse than 73.31% on this metric.
The historical rank and industry rank for Peoples Bancorp of North Carolina's 5-Year Yield-on-Cost % or its related term are showing as below:
PEBK'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.62 Med: 3.01 Max: 5.54
Current: 2.53
During the past 13 years, Peoples Bancorp of North Carolina's highest Yield on Cost was 5.54. The lowest was 1.62. And the median was 3.01.
PEBK's 5-Year Yield-on-Cost % is ranked worse than 73.31% of 1259
companies
in the Banks industry
Industry Median: 3.86
vs PEBK: 2.53
Peoples Bancorp of North Carolina (NAS:PEBK) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Peoples Bancorp of North Carolina 5-Year Yield-on-Cost % Related Terms
PEBK vs FFMH, OPBK, CZWI: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Peoples Bancorp of North Carolina's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Bancorp of North Carolina's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Peoples Bancorp of North Carolina's 5-Year Yield-on-Cost % falls into.
Peoples Bancorp of North Carolina 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Peoples Bancorp of North Carolina (PEBK) has a 5-Year Yield-on-Cost % of 2.53 as of Jul. 20, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Peoples Bancorp of North Carolina and its competitors. This is 16% below median its historical median of 3.01. Over the past decade, Peoples Bancorp of North Carolina's 5-Year Yield-on-Cost % has ranged from 1.62 to 5.54. According to the industry distribution chart, Peoples Bancorp of North Carolina ranks #923 out of 1259 companies in the Banks industry, placing it in the top 73.3%.
Is Peoples Bancorp of North Carolina's 5-Year Yield-on-Cost % too high?
Peoples Bancorp of North Carolina's current 5-Year Yield-on-Cost % of 2.53 is 16% below median its 10-year median of 3.01. Over the past 10 years, this metric has ranged from a low of 1.62 to a high of 5.54. The Banks industry median 5-Year Yield-on-Cost % is 3.86. Peoples Bancorp of North Carolina's value of 2.53 is 34.5% below this industry median. Based on the distribution chart, Peoples Bancorp of North Carolina ranks #923 out of 1259 companies in the Banks industry, which is below 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 5-Year Yield-on-Cost % compare to FFMH and OPBK?
According to the Banks industry distribution chart, Peoples Bancorp of North Carolina ranks #923 out of 1259 companies for 5-Year Yield-on-Cost %. This places Peoples Bancorp of North Carolina in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.86. Peoples Bancorp of North Carolina's value of 2.53 is 34.5% below this benchmark. Historically, Peoples Bancorp of North Carolina's own 5-Year Yield-on-Cost % has ranged from 1.62 to 5.54 over the past decade. While the company's 10-year median is 3.01 vs. the industry median of 3.86, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.86, based on 1,259 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Bancorp of North Carolina's current 5-Year Yield-on-Cost % of 2.53 is 34.5% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Peoples Bancorp of North Carolina and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Bancorp of North Carolina's current 5-Year Yield-on-Cost % is 2.53, which is 16% below median its own 10-year median of 3.01. 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 $31.78, compared to a current price of $42.54 — trading 33.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.53, which is 16% below median its 10-year median of 3.01 and 34.5% below the Banks industry median of 3.86. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Peoples Bancorp of North Carolina (PEBK), the current 5-Year Yield-on-Cost % is 2.53 as of Jul. 20, 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 $42.54 is trading 33.9% above its estimated GF Value™ of $31.78.
GuruFocus considers Peoples Bancorp of North Carolina to be Significantly Overvalued.
Key valuation signals for PEBK:
5-Year Yield-on-Cost %: 2.53 (16% below median its 10-year median of 3.01)
GF Value™: $31.78 vs. price of $42.54 (33.9% above fair value)
Industry Position: 34.5% below the Banks median (#923 of 1259)
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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