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    Peoples Bancorp of North Carolina (PEBK)

    Market Price (9/21/2026): $44.0 | Market Cap: $234.1 MilSector: Financials | Industry: Regional Banks

    Peoples Bancorp of North Carolina (PEBK)

    Market Price (9/21/2026): $44.0
    Market Cap: $234.1 Mil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 2.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.6%, FCF Yield is 8.6%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -109%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 28%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 26%

    Low stock price volatility
    Vol 12M is 26%

    Trading close to highs
    Dist 52W High is -2.3%, Dist 3Y High is -2.3%

    Key risks
    PEBK key risks include [1] its vulnerability to localized economic downturns due to a substantial concentration of real estate lending within the Catawba Valley region.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 2.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.6%, FCF Yield is 8.6%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -109%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 28%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 26%
    3 Low stock price volatility
    Vol 12M is 26%
    4 Trading close to highs
    Dist 52W High is -2.3%, Dist 3Y High is -2.3%
    5 Key risks
    PEBK key risks include [1] its vulnerability to localized economic downturns due to a substantial concentration of real estate lending within the Catawba Valley region.

    PEBK in ETFs

    Weight = PEBK's share of each fund

    VTI0.00%
    IWM0.01%
    AVUV0.01%
    VTWO0.01%
    DFAS0.01%
    IWN0.00%
    DFAC0.00%

    Valuation & Metrics

    null
    PEBKS&P 500
    REVENUE GROWTHFAIR
    Rev LTM ($ Bil)0.1
    Rev Chg Q6.9%9.3%
    Rev Chg LTM5.8%8.3%
    Rev Chg 3Y Avg2.8%5.8%
    PROFITABILITYGOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.0
    Net Inc LTM ($ Bil)0.0
    CFO/Rev LTM27.9%21.8%
    Net Inc Mgn25.9%13.1%
    VALUATIONLOW
    P/S3.03.1
    P/CFO10.914.8
    P/FCF11.719.3
    P/E11.722.5

    AI Analysis | Feedback

    MetricValueDateSource
    Net Interest Margin3.58%9302025Link
    Non-performing assets to total assets ratio0.29%9302025Link
    Core deposits to total deposits ratio89.65%9302025Link
    Number of branch offices1511082025Link
    Number of loan production offices311082025Link
    Book value per share$28.159302025Link
    Allowance for credit losses on loans to total loans ratio0.86%9302025Link

    Price Chart

    Upcoming
    10/19/2026Earnings ReleaseRev: -
    EPS: -

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 9/1/2026

    Peoples Bancorp of North Carolina (PEBK) stock has gained about 5% since 5/31/2026 because of the following key factors:

    1. Peoples Bancorp of North Carolina (PEBK) reported solid financial results for fiscal Q2 2026 (period ending June 30, 2026), with earnings per share (EPS) of $0.96 and total revenue of $23.11 million. The company's net interest margin (NIM) also saw an increase to 4.23% for fiscal Q2 2026, up from 4.16% in fiscal Q1 2026, primarily due to a reduction in deposit costs. Additionally, period-end total loan and lease balances grew by $51.4 million, representing a 3% annualized increase over the prior quarter.

    2. The company's consistent return of capital to shareholders through regular dividend declarations contributed to positive investor sentiment. Peoples Bancorp declared its regular quarterly cash dividend of $0.21 per share for fiscal Q3 2026 on August 21, 2026. This announcement was met with a mild positive market reaction, as the stock gained 0.59% with unusually high trading volume on the day of the news release. The company has a history of maintaining dividend payments for 42 consecutive years.

    Show more
    Updated on 9/1/2026

    Peoples Bancorp of North Carolina (PEBK) stock has gained about 5% since 5/31/2026 because of the following key factors:

    1. Peoples Bancorp of North Carolina (PEBK) reported solid financial results for fiscal Q2 2026 (period ending June 30, 2026), with earnings per share (EPS) of $0.96 and total revenue of $23.11 million. The company's net interest margin (NIM) also saw an increase to 4.23% for fiscal Q2 2026, up from 4.16% in fiscal Q1 2026, primarily due to a reduction in deposit costs. Additionally, period-end total loan and lease balances grew by $51.4 million, representing a 3% annualized increase over the prior quarter.

    2. The company's consistent return of capital to shareholders through regular dividend declarations contributed to positive investor sentiment. Peoples Bancorp declared its regular quarterly cash dividend of $0.21 per share for fiscal Q3 2026 on August 21, 2026. This announcement was met with a mild positive market reaction, as the stock gained 0.59% with unusually high trading volume on the day of the news release. The company has a history of maintaining dividend payments for 42 consecutive years.

    3. The stock's technical indicators showed a positive trend, reflecting sustained investor interest. Peoples Bancorp of North Carolina's 50-day moving average price of $43.33 was higher than its two-hundred-day moving average price of $41.32, indicating a positive short-term momentum for the stock during the period.

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    Stock Movement Drivers

    Fundamental Drivers

    The 5.6% change in PEBK stock from 5/31/2026 to 9/20/2026 was primarily driven by a 5.4% change in the company's P/E Multiple.
    (LTM values as of)53120269202026Change
    Stock Price ($)41.6944.015.6%
    Change Contribution By: 
    Total Revenues ($ Mil)76771.7%
    Net Income Margin (%)26.3%25.9%-1.3%
    P/E Multiple11.111.75.4%
    Shares Outstanding (Mil)55-0.2%
    Cumulative Contribution5.6%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    5/31/2026 to 9/20/2026
    ReturnCorrelation
    PEBK5.6% 
    Market (SPY)0.9%-16.6%
    Sector (XLF)8.3%30.6%

    Fundamental Drivers

    The 17.0% change in PEBK stock from 2/28/2026 to 9/20/2026 was primarily driven by a 13.7% change in the company's Net Income Margin (%).
    (LTM values as of)22820269202026Change
    Stock Price ($)37.6344.0117.0%
    Change Contribution By: 
    Total Revenues ($ Mil)73774.7%
    Net Income Margin (%)22.8%25.9%13.7%
    P/E Multiple11.911.7-1.6%
    Shares Outstanding (Mil)55-0.2%
    Cumulative Contribution17.0%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    2/28/2026 to 9/20/2026
    ReturnCorrelation
    PEBK17.0% 
    Market (SPY)11.6%8.9%
    Sector (XLF)9.2%34.3%

    Fundamental Drivers

    The 43.5% change in PEBK stock from 8/31/2025 to 9/20/2026 was primarily driven by a 22.8% change in the company's P/E Multiple.
    (LTM values as of)83120259202026Change
    Stock Price ($)30.6744.0143.5%
    Change Contribution By: 
    Total Revenues ($ Mil)73775.8%
    Net Income Margin (%)23.4%25.9%10.8%
    P/E Multiple9.611.722.8%
    Shares Outstanding (Mil)55-0.3%
    Cumulative Contribution43.5%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2025 to 9/20/2026
    ReturnCorrelation
    PEBK43.5% 
    Market (SPY)19.4%17.9%
    Sector (XLF)4.7%43.9%

    Fundamental Drivers

    The 131.1% change in PEBK stock from 8/31/2023 to 9/20/2026 was primarily driven by a 97.1% change in the company's P/E Multiple.
    (LTM values as of)83120239202026Change
    Stock Price ($)19.0444.01131.1%
    Change Contribution By: 
    Total Revenues ($ Mil)71778.4%
    Net Income Margin (%)24.6%25.9%5.6%
    P/E Multiple6.011.797.1%
    Shares Outstanding (Mil)552.5%
    Cumulative Contribution131.1%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2023 to 9/20/2026
    ReturnCorrelation
    PEBK131.1% 
    Market (SPY)75.6%32.4%
    Sector (XLF)69.8%45.8%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    PEBK Return23%22%-1%4%20%24%128%
    Peers Return58%-18%14%6%4%20%94%
    S&P 500 Return27%-19%24%23%16%12%103%

    Monthly Win Rates [3]
    PEBK Win Rate67%50%67%50%50%89% 
    Peers Win Rate67%40%50%53%57%67% 
    S&P 500 Win Rate75%42%67%75%67%44% 

    Max Drawdowns [4]
    PEBK Max Drawdown-21%-15%-50%-25%-20%-7% 
    Peers Max Drawdown-19%-33%-39%-23%-27%-16% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: FCBC, LOB, FRBA, SFST, SSB.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 9/18/2026 (YTD)

    How Low Can It Go

    EventPEBKS&P 500
    2025 US Tariff Shock
      % Loss-14.1%-18.8%
      % Gain to Breakeven16.4%23.1%
      Time to Breakeven29 days79 days
    2023 SVB Regional Banking Crisis
      % Loss-47.8%-6.7%
      % Gain to Breakeven91.7%7.1%
      Time to Breakeven415 days31 days
    2020 COVID-19 Crash
      % Loss-42.5%-33.7%
      % Gain to Breakeven73.8%50.9%
      Time to Breakeven256 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-25.7%-19.2%
      % Gain to Breakeven34.6%23.8%
      Time to Breakeven53 days105 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-30.7%-17.9%
      % Gain to Breakeven44.3%21.8%
      Time to Breakeven143 days123 days
    2010 Eurozone Sovereign Debt Crisis / Flash Crash
      % Loss-39.8%-15.4%
      % Gain to Breakeven66.1%18.2%
      Time to Breakeven590 days125 days

    Compare to FCBC, LOB, FRBA, SFST, SSB

    In The Past

    Peoples Bancorp of North Carolina's stock fell -14.1% during the 2025 US Tariff Shock. Such a loss loss requires a 16.4% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventPEBKS&P 500
    2023 SVB Regional Banking Crisis
      % Loss-47.8%-6.7%
      % Gain to Breakeven91.7%7.1%
      Time to Breakeven415 days31 days
    2020 COVID-19 Crash
      % Loss-42.5%-33.7%
      % Gain to Breakeven73.8%50.9%
      Time to Breakeven256 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-25.7%-19.2%
      % Gain to Breakeven34.6%23.8%
      Time to Breakeven53 days105 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-30.7%-17.9%
      % Gain to Breakeven44.3%21.8%
      Time to Breakeven143 days123 days
    2010 Eurozone Sovereign Debt Crisis / Flash Crash
      % Loss-39.8%-15.4%
      % Gain to Breakeven66.1%18.2%
      Time to Breakeven590 days125 days
    2008-2009 Global Financial Crisis
      % Loss-65.1%-53.4%
      % Gain to Breakeven186.6%114.4%
      Time to Breakeven1561 days1085 days

    Compare to FCBC, LOB, FRBA, SFST, SSB

    In The Past

    Peoples Bancorp of North Carolina's stock fell -14.1% during the 2025 US Tariff Shock. Such a loss loss requires a 16.4% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About Peoples Bancorp of North Carolina (PEBK)

    Peoples Bancorp of North Carolina, Inc. (PEBK) is a bank holding company primarily operating in North Carolina through its subsidiary, Peoples Bank. The company offers a comprehensive range of commercial and consumer banking products and services, primarily serving individuals and small to medium-sized businesses within its local markets. Founded in 1912 and headquartered in Newton, NC, PEBK maintains a significant regional presence with 17 banking offices and several loan production offices spread across various cities in North Carolina, including Charlotte, Raleigh, and Winston-Salem.

    The core of PEBK's business involves traditional banking services. This includes gathering deposits through various accounts such as checking, savings, money market, and time deposits, including certificates of deposit. On the lending side, the bank provides a diverse portfolio of loan products, including commercial real estate, commercial, construction and land development, single-family residential, and residential mortgage loans. Additionally, it offers specialized loans like individual taxpayer identification number (ITIN) mortgages and agricultural loans.

    Beyond standard banking, Peoples Bancorp expands its offerings to include investment counseling and non-deposit investment products like stocks, bonds, mutual funds, and annuities, along with brokerage services. The company also engages in real estate appraisal and brokerage, even operating as a clearing-house for appraisal services for other community banks. Further diversifying its revenue streams, PEBK provides insurance agency services and manages real property acquired through debt collection, positioning itself as a multifaceted financial service provider in its operating region.

    AI Analysis | Feedback

    Here are 1-3 brief analogies for Peoples Bancorp of North Carolina:

    • Truist, but specifically for smaller communities and businesses within North Carolina.
    • A community-focused Bank of America, operating exclusively in North Carolina.

    AI Analysis | Feedback

    ```html
    • Deposit Accounts: A variety of checking, savings, money market, and time deposit accounts for individuals and businesses.
    • Loan Products: A comprehensive suite of commercial, residential, construction, land development, and agricultural loans.
    • Investment Services: Investment counseling and non-deposit investment products including stocks, bonds, mutual funds, and annuities.
    • Real Estate Services: Real estate appraisal and brokerage services for clients.
    • Appraisal Clearinghouse: Operates as a clearing-house providing appraisal services for other community banks.
    • Insurance Agency Services: Offers various insurance products to customers.
    ```

    AI Analysis | Feedback

    Peoples Bancorp of North Carolina (PEBK) serves primarily two categories of customers:

    1. Individuals: The company provides a wide range of consumer banking products and services to individuals, including checking, savings, money market, and time deposits, as well as single-family residential, residential mortgage, and individual taxpayer identification number mortgage loans.

    2. Small to Medium-Sized Businesses: Peoples Bancorp also caters to small to medium-sized businesses, offering commercial real estate, commercial, construction and land development, and agricultural loans, in addition to business deposit accounts, investment counseling, real estate appraisal and brokerage, and insurance agency services.

    AI Analysis | Feedback

    null

    AI Analysis | Feedback

    William D. Cable Sr., President and Chief Executive Officer

    Bill Cable assumed the role of President and CEO on September 19, 2024, following a career with Peoples Bank that began in 1995. Prior to his appointment as CEO, he served as the company's Chief Operating Officer since 2000. Mr. Cable started his banking career in 1991 with the Federal Deposit Insurance Corporation. He holds a Bachelor of Science degree in Business Administration from Western Carolina University and has completed executive banking schools at Louisiana State University, Vanderbilt University, the University of Wisconsin-Madison, and the North Carolina Bank Directors' College.

    Jeffrey N. Hooper, Executive Vice President, Chief Financial Officer, Corporate Treasurer, and Assistant Corporate Secretary

    Jeffrey N. Hooper joined Peoples Bancorp of North Carolina and Peoples Bank in 2020. He is a Certified Public Accountant (CPA) and an alumnus of the University of Alaska. Prior to his current role, Mr. Hooper served as Chief Financial Officer and Executive Vice President at First South Bancorp, Inc. (North Carolina) and as Chief Financial Officer at First South Bank (Spartanburg, South Carolina). His responsibilities at Peoples Bank include Bank Secrecy Act, Compliance, Finance, Human Resources, Internal Audit, and Peoples Investment Services.

    James O. Perry, Executive Vice President, Chief Banking Officer

    James O. Perry has been with Peoples Bank since 1999. During his tenure, he has held various positions including Vice President-Commercial Loan Officer, First Vice President-Commercial Area Executive, and Senior Vice President-Retail Banking Manager. As Chief Banking Officer, he is responsible for the Customer Service Center, Marketing, Mortgage Sales, Retail Banking, Talent Management, and Treasury Services.

    Carol S. Shinn, Executive Vice President, Chief Operations Officer

    Carol S. Shinn joined Peoples Bank in 2015. Before becoming Executive Vice President and Chief Operations Officer, she served as Director of Deposit Operations and Senior Vice President-Chief Information Officer. Her areas of responsibility include Information Technology, Deposit Operations, Project Management, Digital Banking, Business Continuity, and Vendor Management.

    Jody G. Street, Executive Vice President, Chief Commercial Banking Officer

    Jody G. Street has been employed by Peoples Bank since 2013.

    AI Analysis | Feedback

    The key risks for Peoples Bancorp of North Carolina (symbol: PEBK) primarily stem from its core banking operations, its geographic concentration, and the broader financial environment.

    1. Deterioration in Economic Conditions and Credit Quality: As a community bank with a significant loan portfolio including commercial real estate, construction and land development, single-family residential, and commercial loans, Peoples Bancorp of North Carolina is highly susceptible to downturns in national, regional, or local economic conditions. A less favorable economic environment in North Carolina could lead to a deterioration in credit quality, resulting in increased loan defaults and impaired collectibility of loans, directly impacting the company's profitability and asset quality.

    2. Changes in the Interest Rate Environment: The company's financial performance, particularly its net interest income, is sensitive to fluctuations in interest rates. Significant or unexpected changes in interest rates could negatively affect the bank's net interest margin by impacting the rates earned on assets and the rates paid on liabilities, thereby compressing profitability.

    3. Legislative and Regulatory Changes: Peoples Bancorp of North Carolina operates in a highly regulated industry and is subject to extensive federal and state banking laws and regulations. Changes in these legislative or regulatory environments, including accounting standards, tax laws, and evolving cybersecurity disclosure and data protection rules, could increase compliance costs, limit the company's operations, or require significant adjustments to its business practices, potentially impacting financial results and operational efficiency.

    AI Analysis | Feedback

    The proliferation of digital-only banks (neobanks) and specialized online lenders poses a clear emerging threat. These fintech companies offer competitive banking products and services, often with lower fees, faster processing times, and a superior digital user experience, directly challenging traditional brick-and-mortar regional banks like Peoples Bancorp of North Carolina for consumer and small to medium-sized business customers.

    AI Analysis | Feedback

    For Peoples Bancorp of North Carolina (PEBK), the addressable market sizes for its main products and services in North Carolina are as follows:

    • Deposits: The total deposits held at community bank branches in North Carolina amounted to approximately $75.65 billion as of December 13, 2024.
    • New Home Loans: The market for new home loans booked in North Carolina was valued at $37.2 billion in 2024.
    • Small Business Loans: The market for small business loans in North Carolina reached $21.3 billion in 2024. Additionally, new lending to businesses with revenues of $1 million or less in North Carolina was $8.6 billion in 2022.
    • Small Farm Loans: The small farm loan market in North Carolina was $2.1 billion in 2024.
    • Commercial Real Estate Market: The North Carolina commercial real estate market generated approximately $38 billion in annual transaction volume as of February 2026.
    • Investment Counseling and Non-Deposit Investment Products: null
    • Real Estate Appraisal and Brokerage Services: null
    • Insurance Agency Services: null

    AI Analysis | Feedback

    Peoples Bancorp of North Carolina (PEBK) is expected to drive future revenue growth over the next two to three years through several key strategies:

    1. Continued Loan Portfolio Growth: The company has demonstrated growth in its loan portfolio, with total loans increasing to $1.20 billion from $1.14 billion year-over-year by the fourth quarter of 2025. The bank's loan portfolio is diversified, with a particular emphasis on variable and fixed-rate commercial property loans, including residential development loans to commercial customers. Further expansion in these lending areas is anticipated to bolster net interest income.
    2. Net Interest Margin (NIM) Enhancement: Peoples Bancorp of North Carolina has shown an improvement in its net interest margin, reaching 3.62% in the fourth quarter of 2025, up from 3.39% in the same quarter of 2024. This enhancement was primarily driven by the effective management of deposit and borrowing costs. Ongoing efforts to optimize funding costs and manage asset yields are expected to contribute significantly to future revenue.
    3. Expansion of Non-Interest Income (Fee-Based Services): The company is focused on increasing revenue from non-interest income, which includes fee-based services. In Q4 2025, there were increases in lease income, trust and investment income (due to higher assets under administration and management), and mortgage banking income. The operations of subsidiaries such as Peoples Investment Services, Inc. and Real Estate Advisory Services, Inc. further support the strategic expansion of wealth management, investment counseling, and other fee-generating services.
    4. Strategic Deposit Growth and Customer Base Expansion: Peoples Bancorp of North Carolina links its revenue performance to business expansion and growth in its customer base. The company saw period-end deposit balances increase by $20.0 million by December 31, 2025, compared to the previous year, driven by growth in money market deposits, retail certificates of deposit, non-interest bearing deposits, and savings accounts. Through its community-focused approach and relationship banking, the bank aims to continue expanding its client base within its North Carolina footprint, which includes 15 branches and loan production offices.

    AI Analysis | Feedback

    Share Repurchases

    • On March 13, 2025, Peoples Bancorp of North Carolina's Board of Directors authorized a stock repurchase program of up to $3.0 million of the company's common stock.
    • This program allows for repurchases periodically in the open market or through privately negotiated transactions, with the timing and amount determined by management based on market conditions.
    • Share repurchase activities exceeding 10% of net worth in any 12-month period are subject to regulatory approval, unless the company maintains its "well-capitalized" status.

    Share Issuance

    • The number of outstanding shares for Peoples Bancorp of North Carolina decreased from 5.46 million at the end of 2021 to 5.27 million at the end of 2025, indicating net repurchases rather than significant issuances during this period.

    Capital Expenditures

    • The net value of property, plant, and equipment increased from $20.7 million at December 31, 2023, to $22.0 million at December 31, 2024, reflecting ongoing investments in physical assets.

    Peer Outperformance in Regional Banks

    PEBK has outperformed 62% of its 264 Regional Banks peers over 5Y. Regional Banks ranks 7th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that PEBK has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    85%
    of 288 industry peers · 44.8% return
    3Y
    72%
    of 277 industry peers · 120.5% return
    5Y
    62%
    of 264 industry peers · 87.0% return
    null
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is PEBK's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 24.2%70.6%133.7% SPNT 170% · RGA 154% · RNR 140%
    Investment Banking & Brokerage 13 -1.7%105.1%116.5% IBKR 527% · SNEX 257% · HOOD 183%
    Diversified Banks 12 27.5%129.8%116.3% CM 161% · JPM 159% · RY 149%
    Life & Health Insurance 20 8.6%57.6%105.8% JXN 534% · UNM 373% · FG 207%
    Multi-Sector Holdings 4 6.8%50.2%87.3% JONE 361% · VOYA 88% · BRK-B 87%
    Property & Casualty Insurance 42 9.6%67.5%67.8% ASIC 2760900% · HRTG 445% · UVE 331%
    Regional Banks ← 265 23.9%91.7%67.1% ESQ 391% · GCBC 340% · VBNK 335%
    Multi-line Insurance 9 8.8%71.2%64.1% GNW 201% · L 112% · SLF 104%
    Financial Exchanges & Data 15 -0.1%17.4%32.7% VIRT 184% · CBOE 135% · CME 83%
    Diversified Financial Services 4 -7.3%22.1%32.6% FRHC 168% · EQH 119% · TMS -54%
    Consumer Finance 30 1.7%89.6%26.9% ENVA 447% · EZPW 319% · FCFS 168%
    Insurance Brokers 16 -15.1%-6.3%20.3% LIFE 200% · ARX 87% · AJG 70%
    Commercial & Residential Mortgage Finance 14 -50.2%32.8%13.9% FNMA 454% · FMCC 436% · ACT 204%
    Asset Management & Custody Banks 84 -11.7%17.6%12.0% WT 348% · SII 279% · VCTR 274%
    Specialized Finance 3 14.0%42.2%-2.8% EFC 27% · CACC -3% · HASI -16%
    Mortgage REITs 33 -13.0%7.4%-16.5% NREF 53% · RITM 42% · DX 34%
    Transaction & Payment Processing Services 15 -1.0%-5.9%-42.9% V 74% · MA 73% · CPAY 58%
    Diversified Capital Markets 20 -36.3%20.7%-48.1% OPY 196% · LPLA 136% · GOLD 90%
    Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.

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    SWMRSwarmer0.4-39.4%-22.6%
    ALHCAlignment Healthcare1.7-33.8%-57.7%
    XENEXenon Pharmaceuticals4.0-32.2%-11.3%
    FLNCFluence Energy1.0-26.3%-63.0%
    ENVAEnova International4.3-21.8%11.1%
    VYXNCR Voyix0.9-21.2%-33.9%
    ARWRArrowhead Pharmaceuticals9.5-19.8%0.1%
    DMRADamora Therapeutics1.4-19.6%-1.8%
    IONSIonis Pharmaceuticals7.4-18.0%-43.8%

    Top Gainers

    TickerCompanyMkt Cap (B)1M RtnYTD Rtn
    SECZSecuritize1.680.1%-11.7%
    FWDIForward Industries0.755.9%16.5%
    PURRHyperliquid Strategies1.750.1%295.8%
    GEMIGemini Space Station0.747.8%-41.4%
    MSTRStrategy54.347.6%1.3%
    SMTCSemtech17.247.6%151.1%
    CVICVR Energy5.446.3%112.4%
    SDGRSchrodinger2.246.2%62.3%
    EMATEvolution Metals & Technologies2.541.1%-81.1%
    ACVAACV Auctions1.840.3%30.7%

    Top Losers

    TickerCompanyMkt Cap (B)1M RtnYTD Rtn
    ALMSAlumis1.0-67.6%-20.4%
    IESCIES12.8-47.5%-17.2%
    SWMRSwarmer0.4-46.9%-22.6%
    RAREUltragenyx Pharmaceutical1.5-44.7%-36.9%
    TTANServiceTitan5.2-42.1%-48.3%
    FLNCFluence Energy1.0-39.4%-63.0%
    KRMNKarman4.7-38.6%-51.1%
    XENEXenon Pharmaceuticals4.0-36.2%-11.3%
    DYNDyne Therapeutics2.8-36.1%-12.5%
    DKSDick's Sporting Goods10.7-36.1%-37.5%

    More From Trefis

    Research & Analysis

    Invest in Strategies

    Wealth Management

    Peer Comparisons

    Peers to compare with:

    Financials

    PEBKFCBCLOBFRBASFSTSSBMedian
    NamePeoples .First Co.Live Oak.First Ba.Southern.SouthSta. 
    Mkt Price44.0146.9138.2517.7861.68103.4445.46
    Mkt Cap0.20.91.80.40.610.10.7
    Rev LTM771675671501332,656158
    Op Inc LTM-------
    FCF LTM2043237543986049
    FCF 3Y Avg205175773546763
    CFO LTM2147253564192852
    CFO 3Y Avg2154108803652067

    Growth & Margins

    PEBKFCBCLOBFRBASFSTSSBMedian
    NamePeoples .First Co.Live Oak.First Ba.Southern.SouthSta. 
    Rev Chg LTM5.8%7.1%13.7%13.6%27.4%25.2%13.7%
    Rev Chg 3Y Avg2.8%3.8%12.0%14.8%11.9%15.9%11.9%
    Rev Chg Q6.9%14.2%9.6%6.8%25.3%1.2%8.2%
    QoQ Delta Rev Chg LTM1.7%3.4%2.4%1.6%5.8%0.3%2.1%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM27.9%28.1%44.7%37.7%31.1%34.9%33.0%
    CFO/Rev 3Y Avg28.8%33.8%20.0%65.0%33.1%24.2%31.0%
    FCF/Rev LTM26.1%26.0%41.9%35.9%29.6%32.4%31.0%
    FCF/Rev 3Y Avg27.1%32.1%13.1%63.0%32.1%21.7%29.6%

    Valuation

    PEBKFCBCLOBFRBASFSTSSBMedian
    NamePeoples .First Co.Live Oak.First Ba.Southern.SouthSta. 
    Mkt Cap0.20.91.80.40.610.10.7
    P/S3.05.33.13.04.33.83.5
    P/Op Inc-------
    P/EBIT-------
    P/E11.714.912.710.614.310.612.2
    P/CFO10.919.07.07.913.710.810.9
    Total Yield10.8%11.4%8.2%11.0%7.0%11.8%10.9%
    Dividend Yield2.3%4.7%0.3%1.5%0.0%2.4%1.9%
    FCF Yield 3Y Avg11.5%7.0%3.9%21.9%10.1%6.0%8.6%
    D/E0.10.00.10.60.40.10.1
    Net D/E-1.1-0.4-1.0-0.30.3-0.0-0.4

    Returns

    PEBKFCBCLOBFRBASFSTSSBMedian
    NamePeoples .First Co.Live Oak.First Ba.Southern.SouthSta. 
    1M Rtn-0.2%-4.6%-6.6%-2.4%-2.1%-3.2%-2.8%
    3M Rtn4.2%8.8%0.0%7.2%6.3%7.8%6.7%
    6M Rtn19.6%19.9%20.3%16.1%18.8%16.8%19.2%
    12M Rtn44.8%37.1%3.4%8.9%36.5%4.6%22.7%
    3Y Rtn120.5%84.9%29.2%72.1%129.1%63.9%78.5%
    1M Excs Rtn2.4%-2.7%-5.6%-1.1%-0.6%-2.7%-1.9%
    3M Excs Rtn2.2%6.8%-1.9%5.2%4.3%5.8%4.7%
    6M Excs Rtn1.3%1.7%4.7%0.3%3.2%1.6%1.7%
    12M Excs Rtn27.3%20.1%-10.5%-4.7%23.0%-11.2%7.7%
    3Y Excs Rtn48.5%11.3%-45.9%0.8%49.4%-10.6%6.0%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/4/20265/7/20263/11/202611/4/20258/5/20255/6/20253/12/202511/5/20248/6/20245/2/20243/7/202411/7/2023
    Key Financials Quarterly            
    Total Revenue201919191918181818171718
    Net Income547454445434
    EPS0.980.831.250.700.970.820.670.740.930.740.640.76
    Key Financials TTM            
    Total Revenue TTM777674737372717070706970
    Net Income TTM202020171717161616161616
    Growth Rates Quarterly            
    Total Revenue Growth6.9%6.9%5.3%4.0%5.1%4.0%5.4%1.9%0.8%6.9%-9.0%-3.7%
    Net Income Growth1.4%1.2%86.4%-6.7%5.6%10.1%3.5%-4.1%1.7%24.5%-17.0%-22.2%
    Margins Quarterly            
    Net Income Margin25.9%23.1%34.7%19.9%27.3%24.4%19.6%22.1%27.2%23.1%20.0%23.5%
    Cash & Debt            
    Total Cash275274275494474477447472476493474455
    Total Debt191919191919202020202020
    Net Debt / (Cash)-256-255-256-475-454-457-428-452-456-473-454-435
    Cash Flows Quarterly            
    FCF from Operations655556557464
    Cash Flows TTM            
    FCF from Operations TTM212021212223212120182322
    Returns to Shareholders Quarterly            
    Dividends121112111211
    Share Repurchases-0-0-0-0-0-0-0-0-0201
    Return on Invested Capital (ROIC) Quarterly            
    ROIC------------
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM------------

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Banking Operations7771696760
    Community Bank Real Estate Solutions (CBRES)00000
    Other-1-1-1-1-0
    Total7670686660


    Net Income by Segment
    $ Mil20252024202320222021
    Banking Operations2017161615
    Community Bank Real Estate Solutions (CBRES)11010
    Other-1-1-1-1-1
    Total2016161615


    Assets by Segment
    $ Mil20252024202320222021
    Banking Operations1,6961,6471,6321,6171,621
    Community Bank Real Estate Solutions (CBRES)54433
    Other11001
    Total1,7021,6521,6361,6211,624


    Price Behavior

    Price Behavior
    Market Price$44.01 
    Market Cap ($ Bil)0.2 
    First Trading Date08/18/1995 
    Distance from 52W High-2.3% 
       50 Days200 Days
    DMA Price$43.36$39.89
    DMA Trendupup
    Distance from DMA1.5%10.3%
     3M1YR
    Volatility21.0%25.3%
    Downside Capture-44.377.30
    Upside Capture-17.7449.43
    Correlation (SPY)-7.5%17.4%
    PEBK Betas & Captures as of 8/31/2026

     1M2M3M6M1Y3Y
    Beta-0.26-0.15-0.350.140.360.63
    Up Beta0.800.12-0.430.240.490.71
    Down Beta-1.790.20-0.300.090.400.57
    Up Capture-42%-30%-19%22%39%40%
    Bmk +ve Days10213268138427
    Stock +ve Days10183069136373
    Down Capture-123%-42%-52%-6%14%75%
    Bmk -ve Days11213259113324
    Stock -ve Days11233357109357

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with PEBK
    PEBK43.4%25.6%1.36-
    Sector ETF (XLF)4.5%14.6%0.0843.8%
    Equity (SPY)16.9%12.9%0.9417.4%
    Gold (GLD)19.1%29.3%0.60-8.0%
    Commodities (DBC)46.3%20.6%1.73-20.5%
    Real Estate (VNQ)4.9%13.6%0.1036.9%
    Bitcoin (BTCUSD)-30.6%44.3%-0.705.9%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with PEBK
    PEBK11.7%27.8%0.41-
    Sector ETF (XLF)10.1%18.4%0.4135.8%
    Equity (SPY)12.9%17.2%0.5725.7%
    Gold (GLD)19.1%18.8%0.83-3.1%
    Commodities (DBC)11.2%19.5%0.451.6%
    Real Estate (VNQ)1.1%18.8%-0.0521.5%
    Bitcoin (BTCUSD)12.5%52.5%0.428.8%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with PEBK
    PEBK10.0%38.2%0.37-
    Sector ETF (XLF)12.9%22.1%0.5345.2%
    Equity (SPY)15.1%18.0%0.7237.7%
    Gold (GLD)12.1%16.4%0.61-2.0%
    Commodities (DBC)8.3%18.1%0.378.5%
    Real Estate (VNQ)4.4%20.7%0.1835.5%
    Bitcoin (BTCUSD)62.6%66.2%1.0210.2%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date8312026
    Short Interest: Shares Quantity0.1 Mil
    Short Interest: % Change Since 81520269.2%
    Average Daily Volume0.0 Mil
    Days-to-Cover Short Interest2.7 days
    Basic Shares Quantity5.3 Mil
    Short % of Basic Shares1.8%

    Returns Analyses

    Earnings Returns History

    Updated 7/20/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    10/25/2021-0.5%-0.7%1.5%
    4/19/20210.0%-2.6%4.6%
    SUMMARY STATS   
    # Positive102
    # Negative120
    Median Positive0.0% 3.1%
    Median Negative-0.5%-1.7% 
    Max Positive0.0% 4.6%
    Max Negative-0.5%-2.6% 
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    10/25/2021-0.5%-0.7%1.5%
    4/19/20210.0%-2.6%4.6%
    SUMMARY STATS   
    # Positive102
    # Negative120
    Median Positive0.0% 3.1%
    Median Negative-0.5%-1.7% 
    Max Positive0.0% 4.6%
    Max Negative-0.5%-2.6% 

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/04/202610-Q
    03/31/202605/07/202610-Q
    12/31/202503/11/202610-K
    09/30/202511/04/202510-Q
    06/30/202508/05/202510-Q
    03/31/202505/06/202510-Q
    12/31/202403/12/202510-K
    09/30/202411/05/202410-Q
    06/30/202408/06/202410-Q
    03/31/202405/02/202410-Q
    12/31/202303/07/202410-K
    09/30/202311/07/202310-Q
    06/30/202308/08/202310-Q
    03/31/202305/09/202310-Q
    12/31/202203/17/202310-K
    09/30/202211/04/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/04/202610-Q
    03/31/202605/07/202610-Q
    12/31/202503/11/202610-K
    09/30/202511/04/202510-Q
    06/30/202508/05/202510-Q
    03/31/202505/06/202510-Q
    12/31/202403/12/202510-K
    09/30/202411/05/202410-Q
    06/30/202408/06/202410-Q
    03/31/202405/02/202410-Q
    12/31/202303/07/202410-K
    09/30/202311/07/202310-Q
    06/30/202308/08/202310-Q
    03/31/202305/09/202310-Q
    12/31/202203/17/202310-K
    09/30/202211/04/202210-Q
    06/30/202208/05/202210-Q
    03/31/202205/06/202210-Q
    12/31/202103/18/202210-K
    09/30/202111/04/202110-Q
    06/30/202108/04/202110-Q
    03/31/202105/10/202110-Q
    12/31/202003/19/202110-K
    09/30/202011/04/202010-Q
    06/30/202008/06/202010-Q
    03/31/202005/08/202010-Q
    12/31/201903/13/202010-K
    09/30/201911/06/201910-Q

    Insider Activity

    Updated 9/1/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Abernethy, Robert C JR DirectSell901202643.131,20051,7562,482,822Form
    2Price, Billy L JR DR DirectBuy828202643.0040017,198655,426Form
    3Abernethy, James S DirectSell828202643.111,00043,1102,829,137Form
    4Abernethy, Robert C Pres, Sec, & Treas of Carolina Glove Co.Sell806202643.345,247227,4054,685,747Form
    5Abernethy, James S SonSell729202643.1750021,5851,528,218Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Abernethy, Robert C JR DirectSell901202643.131,20051,7562,482,822Form
    2Price, Billy L JR DR DirectBuy828202643.0040017,198655,426Form
    3Abernethy, James S DirectSell828202643.111,00043,1102,829,137Form
    4Abernethy, Robert C Pres, Sec, & Treas of Carolina Glove Co.Sell806202643.345,247227,4054,685,747Form
    5Abernethy, James S SonSell729202643.1750021,5851,528,218Form
    6Abernethy, James S DirectSell729202642.891,00042,8902,900,479Form
    7Abernethy, Robert C JR DirectSell724202641.751,20050,1002,493,143Form
    8Abernethy, Robert C Pres, Sec, & Treas of Carolina Glove Co.Sell724202642.145,000210,7004,777,117Form
    9Abernethy, James S SonSell602202642.1050021,0501,511,390Form
    10Abernethy, Robert C JR DirectSell601202641.611,20049,9322,290,963Form
    11Abernethy, Ashton V DirectSell526202642.2695040,1471,852,594Form
    12Abernethy, James S DirectSell514202640.2060024,1202,758,765Form
    13Abernethy, James S DirectSell501202639.3560023,6102,724,043Form
    14Abernethy, James S DirectSell424202639.5060023,7002,758,127Form
    15Abernethy, James S SonSell424202640.0660024,0361,458,184Form
    16Abernethy, James S DirectSell304202637.6047717,9352,648,018Form
    17Abernethy, James S DirectSell227202638.9152320,3502,778,291Form
    18Abernethy, James S DirectSell225202638.1660022,8962,744,696Form
    19Abernethy, James S DirectSell209202638.341,00038,3402,780,647Form
    20Abernethy, James S SonSell206202637.2760022,3621,378,990Form
    21Abernethy, James S DirectSell1203202532.353009,7052,165,056Form
    22Abernethy, James S SonSell1126202532.0359819,1541,204,328Form
    23Abernethy, James S SonSell1126202533.002661,260,534Form
    24Abernethy, James S DirectSell1103202529.0580023,2401,952,915Form
    25Abernethy, James S SonSell1028202531.003199,8891,192,911Form
    26Abernethy, James S SonSell1028202530.902818,6831,180,380Form
    27Abernethy, James S SonSell904202531.0160018,6061,203,188Form

    Industry Resources

    External Quote Links


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    Core Cache Last Updated: 9/20/2026