Peoples Bancorp of North Carolina (PEBK)
Market Price (6/20/2026): $42.53 | Market Cap: $225.9 MilSector: Financials | Industry: Regional Banks
Peoples Bancorp of North Carolina (PEBK)
Market Price (6/20/2026): $42.53Market Cap: $225.9 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 2.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.0%, FCF Yield is 8.6% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -113% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 27%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 26% Low stock price volatilityVol 12M is 29% | Trading close to highsDist 52W High is -4.3%, Dist 3Y High is -4.3% | Key risksPEBK key risks include [1] its vulnerability to localized economic downturns due to a substantial concentration of real estate lending within the Catawba Valley region. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 2.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.0%, FCF Yield is 8.6% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -113% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 27%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 26% |
| Low stock price volatilityVol 12M is 29% |
| Trading close to highsDist 52W High is -4.3%, Dist 3Y High is -4.3% |
| Key risksPEBK key risks include [1] its vulnerability to localized economic downturns due to a substantial concentration of real estate lending within the Catawba Valley region. |
Qualitative Assessment
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Peoples Bancorp of North Carolina (PEBK) stock has gained about 10% since 2/28/2026 because of the following key factors:
1. Peoples Bancorp of North Carolina exceeded analyst expectations with its fiscal Q1 2026 earnings. The company reported adjusted earnings per share of $0.80 and revenue of $21.6 million, surpassing analyst consensus estimates for the quarter ending March 31, 2026. Net earnings increased to $4.4 million, or $0.80 per diluted share, compared to $4.3 million, or $0.79 per diluted share, in fiscal Q1 2025.
2. The company demonstrated strong growth in net interest income and an expanded net interest margin. Net interest income for fiscal Q1 2026 rose to $15.1 million, an increase from $13.9 million in the prior year's period, primarily driven by a $1.5 million increase in interest income and fees on loans. This contributed to an expansion of the net interest margin to 3.68% from 3.51% year-over-year. Additionally, total loans grew to $1.24 billion at March 31, 2026, up from $1.20 billion at December 31, 2025.
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Peoples Bancorp of North Carolina (PEBK) stock has gained about 10% since 2/28/2026 because of the following key factors:
1. Peoples Bancorp of North Carolina exceeded analyst expectations with its fiscal Q1 2026 earnings. The company reported adjusted earnings per share of $0.80 and revenue of $21.6 million, surpassing analyst consensus estimates for the quarter ending March 31, 2026. Net earnings increased to $4.4 million, or $0.80 per diluted share, compared to $4.3 million, or $0.79 per diluted share, in fiscal Q1 2025.
2. The company demonstrated strong growth in net interest income and an expanded net interest margin. Net interest income for fiscal Q1 2026 rose to $15.1 million, an increase from $13.9 million in the prior year's period, primarily driven by a $1.5 million increase in interest income and fees on loans. This contributed to an expansion of the net interest margin to 3.68% from 3.51% year-over-year. Additionally, total loans grew to $1.24 billion at March 31, 2026, up from $1.20 billion at December 31, 2025.
3. A favorable macroeconomic environment and positive sentiment for regional banks contributed to the stock's trend. The broader U.S. banking sector, particularly regional and community banks, is anticipated to experience strong performance in 2026, benefiting from lower short-term interest rates and a steeper yield curve. This environment is expected to support expanding net interest income and margins, alongside improving loan demand. Regional banks broadly delivered stronger than expected fiscal Q1 2026 results with net income growth and upward revisions to full-year net interest income guidance.
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Stock Movement Drivers
Fundamental Drivers
The 12.3% change in PEBK stock from 2/28/2026 to 6/19/2026 was primarily driven by a 15.2% change in the company's Net Income Margin (%).| (LTM values as of) | 2282026 | 6192026 | Change |
|---|---|---|---|
| Stock Price ($) | 37.81 | 42.45 | 12.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 73 | 76 | 3.0% |
| Net Income Margin (%) | 22.8% | 26.3% | 15.2% |
| P/E Multiple | 12.0 | 11.3 | -5.4% |
| Shares Outstanding (Mil) | 5 | 5 | 0.0% |
| Cumulative Contribution | 12.3% |
Market Drivers
2/28/2026 to 6/19/2026| Return | Correlation | |
|---|---|---|
| PEBK | 12.3% | |
| Market (SPY) | 9.2% | 18.7% |
| Sector (XLF) | 4.7% | 38.2% |
Fundamental Drivers
The 32.4% change in PEBK stock from 11/30/2025 to 6/19/2026 was primarily driven by a 15.2% change in the company's Net Income Margin (%).| (LTM values as of) | 11302025 | 6192026 | Change |
|---|---|---|---|
| Stock Price ($) | 32.06 | 42.45 | 32.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 73 | 76 | 3.0% |
| Net Income Margin (%) | 22.8% | 26.3% | 15.2% |
| P/E Multiple | 10.2 | 11.3 | 11.6% |
| Shares Outstanding (Mil) | 5 | 5 | 0.0% |
| Cumulative Contribution | 32.4% |
Market Drivers
11/30/2025 to 6/19/2026| Return | Correlation | |
|---|---|---|
| PEBK | 32.4% | |
| Market (SPY) | 9.9% | 21.8% |
| Sector (XLF) | 1.3% | 44.8% |
Fundamental Drivers
The 59.7% change in PEBK stock from 5/31/2025 to 6/19/2026 was primarily driven by a 34.8% change in the company's P/E Multiple.| (LTM values as of) | 5312025 | 6192026 | Change |
|---|---|---|---|
| Stock Price ($) | 26.58 | 42.45 | 59.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 72 | 76 | 5.3% |
| Net Income Margin (%) | 23.3% | 26.3% | 12.7% |
| P/E Multiple | 8.4 | 11.3 | 34.8% |
| Shares Outstanding (Mil) | 5 | 5 | -0.2% |
| Cumulative Contribution | 59.7% |
Market Drivers
5/31/2025 to 6/19/2026| Return | Correlation | |
|---|---|---|
| PEBK | 59.7% | |
| Market (SPY) | 28.1% | 32.2% |
| Sector (XLF) | 6.7% | 49.8% |
Fundamental Drivers
The 174.3% change in PEBK stock from 5/31/2023 to 6/19/2026 was primarily driven by a 112.0% change in the company's P/E Multiple.| (LTM values as of) | 5312023 | 6192026 | Change |
|---|---|---|---|
| Stock Price ($) | 15.47 | 42.45 | 174.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 69 | 76 | 10.0% |
| Net Income Margin (%) | 23.0% | 26.3% | 14.1% |
| P/E Multiple | 5.3 | 11.3 | 112.0% |
| Shares Outstanding (Mil) | 5 | 5 | 3.1% |
| Cumulative Contribution | 174.3% |
Market Drivers
5/31/2023 to 6/19/2026| Return | Correlation | |
|---|---|---|
| PEBK | 174.3% | |
| Market (SPY) | 85.7% | 34.1% |
| Sector (XLF) | 77.0% | 46.8% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| PEBK Return | 23% | 22% | -1% | 4% | 20% | 18% | 118% |
| Peers Return | 58% | -18% | 14% | 6% | 4% | 12% | 81% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 8% | 98% |
Monthly Win Rates [3] | |||||||
| PEBK Win Rate | 67% | 50% | 67% | 50% | 50% | 100% | |
| Peers Win Rate | 67% | 40% | 50% | 53% | 57% | 67% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
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 6/18/2026 (YTD)
How Low Can It Go
| Event | PEBK | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -14.1% | -18.8% |
| % Gain to Breakeven | 16.4% | 23.1% |
| Time to Breakeven | 29 days | 79 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -47.8% | -6.7% |
| % Gain to Breakeven | 91.7% | 7.1% |
| Time to Breakeven | 415 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -42.5% | -33.7% |
| % Gain to Breakeven | 73.8% | 50.9% |
| Time to Breakeven | 256 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -25.7% | -19.2% |
| % Gain to Breakeven | 34.6% | 23.8% |
| Time to Breakeven | 53 days | 105 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -30.7% | -17.9% |
| % Gain to Breakeven | 44.3% | 21.8% |
| Time to Breakeven | 143 days | 123 days |
| 2010 Eurozone Sovereign Debt Crisis / Flash Crash | ||
| % Loss | -39.8% | -15.4% |
| % Gain to Breakeven | 66.1% | 18.2% |
| Time to Breakeven | 590 days | 125 days |
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.
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| Event | PEBK | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -47.8% | -6.7% |
| % Gain to Breakeven | 91.7% | 7.1% |
| Time to Breakeven | 415 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -42.5% | -33.7% |
| % Gain to Breakeven | 73.8% | 50.9% |
| Time to Breakeven | 256 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -25.7% | -19.2% |
| % Gain to Breakeven | 34.6% | 23.8% |
| Time to Breakeven | 53 days | 105 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -30.7% | -17.9% |
| % Gain to Breakeven | 44.3% | 21.8% |
| Time to Breakeven | 143 days | 123 days |
| 2010 Eurozone Sovereign Debt Crisis / Flash Crash | ||
| % Loss | -39.8% | -15.4% |
| % Gain to Breakeven | 66.1% | 18.2% |
| Time to Breakeven | 590 days | 125 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -65.1% | -53.4% |
| % Gain to Breakeven | 186.6% | 114.4% |
| Time to Breakeven | 1561 days | 1085 days |
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.
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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.
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- 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.
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Peoples Bancorp of North Carolina (PEBK) serves primarily two categories of customers:
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.
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.
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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.
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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.
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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.
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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.
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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.
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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
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Peoples Bancorp of North Carolina (PEBK) is expected to drive future revenue growth over the next two to three years through several key strategies:
- 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.
- 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.
- 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.
- 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.
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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.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| Peoples Bancorp of North Carolina Stock Dropped 11% - Have You Assessed the Risk | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 42.93 |
| Mkt Cap | 0.6 |
| Rev LTM | 155 |
| Op Inc LTM | - |
| FCF LTM | 45 |
| FCF 3Y Avg | 63 |
| CFO LTM | 47 |
| CFO 3Y Avg | 66 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 14.4% |
| Rev Chg 3Y Avg | 10.8% |
| Rev Chg Q | 8.6% |
| QoQ Delta Rev Chg LTM | 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 LTM | 27.2% |
| CFO/Rev 3Y Avg | 28.1% |
| FCF/Rev LTM | 25.9% |
| FCF/Rev 3Y Avg | 26.0% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Banking Operations | 77 | 71 | 69 | 67 | |
| Community Bank Real Estate Solutions (CBRES) | 0 | 0 | 0 | 0 | |
| Other | -1 | -1 | -1 | -1 | |
| Single Segment | 61 | ||||
| Total | 76 | 70 | 68 | 66 | 61 |
| $ Mil | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Banking Operations | 20 | 17 | 16 | 16 |
| Community Bank Real Estate Solutions (CBRES) | 1 | 1 | 0 | 1 |
| Other | -1 | -1 | -1 | -1 |
| Total | 20 | 16 | 16 | 16 |
| $ Mil | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Banking Operations | 1,696 | 1,648 | 1,632 | 1,617 |
| Community Bank Real Estate Solutions (CBRES) | 5 | 4 | 4 | 3 |
| Other | 1 | 1 | 0 | 0 |
| Total | 1,702 | 1,652 | 1,636 | 1,621 |
Price Behavior
| Market Price | $42.45 | |
| Market Cap ($ Bil) | 0.2 | |
| First Trading Date | 08/18/1995 | |
| Distance from 52W High | -4.3% | |
| 50 Days | 200 Days | |
| DMA Price | $41.22 | $35.85 |
| DMA Trend | up | up |
| Distance from DMA | 3.0% | 18.4% |
| 3M | 1YR | |
| Volatility | 23.3% | 29.5% |
| Downside Capture | 3.96 | 57.08 |
| Upside Capture | 47.97 | 94.25 |
| Correlation (SPY) | 14.2% | 30.7% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.60 | 0.73 | 0.57 | 0.59 | 0.94 | 0.72 |
| Up Beta | 1.41 | 0.87 | 0.65 | 0.72 | 1.22 | 0.73 |
| Down Beta | 1.14 | 0.80 | 0.57 | 0.56 | 0.74 | 0.61 |
| Up Capture | 65% | 52% | 61% | 77% | 108% | 69% |
| Bmk +ve Days | 13 | 28 | 36 | 67 | 141 | 432 |
| Stock +ve Days | 14 | 26 | 39 | 73 | 141 | 378 |
| Down Capture | -50% | 75% | 44% | 28% | 79% | 84% |
| Bmk -ve Days | 7 | 13 | 27 | 57 | 109 | 318 |
| Stock -ve Days | 6 | 15 | 24 | 47 | 104 | 351 |
[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 | |
|---|---|---|---|---|
| PEBK | 58.7% | 29.3% | 1.57 | - |
| Sector ETF (XLF) | 8.3% | 14.6% | 0.33 | 49.1% |
| Equity (SPY) | 26.5% | 12.4% | 1.61 | 30.5% |
| Gold (GLD) | 24.2% | 27.5% | 0.77 | -2.5% |
| Commodities (DBC) | 19.8% | 18.8% | 0.83 | -15.2% |
| Real Estate (VNQ) | 11.0% | 13.7% | 0.52 | 40.2% |
| Bitcoin (BTCUSD) | -40.0% | 42.5% | -1.08 | 18.1% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with PEBK | |
|---|---|---|---|---|
| PEBK | 13.1% | 27.7% | 0.47 | - |
| Sector ETF (XLF) | 9.3% | 18.6% | 0.37 | 35.7% |
| Equity (SPY) | 13.5% | 17.1% | 0.62 | 26.2% |
| Gold (GLD) | 17.1% | 18.3% | 0.76 | -1.7% |
| Commodities (DBC) | 7.5% | 19.4% | 0.29 | 2.8% |
| Real Estate (VNQ) | 1.9% | 18.9% | 0.00 | 21.2% |
| Bitcoin (BTCUSD) | 11.0% | 54.2% | 0.40 | 9.2% |
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 | |
|---|---|---|---|---|
| PEBK | 10.7% | 38.3% | 0.39 | - |
| Sector ETF (XLF) | 13.0% | 22.2% | 0.54 | 44.8% |
| Equity (SPY) | 15.3% | 18.0% | 0.73 | 37.7% |
| Gold (GLD) | 12.3% | 16.1% | 0.63 | -1.4% |
| Commodities (DBC) | 5.9% | 18.0% | 0.26 | 8.7% |
| Real Estate (VNQ) | 5.3% | 20.7% | 0.22 | 35.3% |
| Bitcoin (BTCUSD) | 60.0% | 66.8% | 1.00 | 10.1% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Updated 6/2/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/25/2021 | -0.5% | -0.7% | 1.5% |
| 4/19/2021 | 0.0% | -2.6% | 4.6% |
| SUMMARY STATS | |||
| # Positive | 1 | 0 | 2 |
| # Negative | 1 | 2 | 0 |
| Median Positive | 0.0% | 3.1% | |
| Median Negative | -0.5% | -1.7% | |
| Max Positive | 0.0% | 4.6% | |
| Max Negative | -0.5% | -2.6% | |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/25/2021 | -0.5% | -0.7% | 1.5% |
| 4/19/2021 | 0.0% | -2.6% | 4.6% |
| SUMMARY STATS | |||
| # Positive | 1 | 0 | 2 |
| # Negative | 1 | 2 | 0 |
| Median Positive | 0.0% | 3.1% | |
| Median Negative | -0.5% | -1.7% | |
| Max Positive | 0.0% | 4.6% | |
| Max Negative | -0.5% | -2.6% | |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/07/2026 | 10-Q |
| 12/31/2025 | 03/11/2026 | 10-K |
| 09/30/2025 | 11/04/2025 | 10-Q |
| 06/30/2025 | 08/05/2025 | 10-Q |
| 03/31/2025 | 05/06/2025 | 10-Q |
| 12/31/2024 | 03/12/2025 | 10-K |
| 09/30/2024 | 11/05/2024 | 10-Q |
| 06/30/2024 | 08/06/2024 | 10-Q |
| 03/31/2024 | 05/02/2024 | 10-Q |
| 12/31/2023 | 03/07/2024 | 10-K |
| 09/30/2023 | 11/07/2023 | 10-Q |
| 06/30/2023 | 08/08/2023 | 10-Q |
| 03/31/2023 | 05/09/2023 | 10-Q |
| 12/31/2022 | 03/17/2023 | 10-K |
| 09/30/2022 | 11/04/2022 | 10-Q |
| 06/30/2022 | 08/05/2022 | 10-Q |
| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/07/2026 | 10-Q |
| 12/31/2025 | 03/11/2026 | 10-K |
| 09/30/2025 | 11/04/2025 | 10-Q |
| 06/30/2025 | 08/05/2025 | 10-Q |
| 03/31/2025 | 05/06/2025 | 10-Q |
| 12/31/2024 | 03/12/2025 | 10-K |
| 09/30/2024 | 11/05/2024 | 10-Q |
| 06/30/2024 | 08/06/2024 | 10-Q |
| 03/31/2024 | 05/02/2024 | 10-Q |
| 12/31/2023 | 03/07/2024 | 10-K |
| 09/30/2023 | 11/07/2023 | 10-Q |
| 06/30/2023 | 08/08/2023 | 10-Q |
| 03/31/2023 | 05/09/2023 | 10-Q |
| 12/31/2022 | 03/17/2023 | 10-K |
| 09/30/2022 | 11/04/2022 | 10-Q |
| 06/30/2022 | 08/05/2022 | 10-Q |
| 03/31/2022 | 05/06/2022 | 10-Q |
| 12/31/2021 | 03/18/2022 | 10-K |
| 09/30/2021 | 11/04/2021 | 10-Q |
| 06/30/2021 | 08/04/2021 | 10-Q |
| 03/31/2021 | 05/10/2021 | 10-Q |
| 12/31/2020 | 03/19/2021 | 10-K |
| 09/30/2020 | 11/04/2020 | 10-Q |
| 06/30/2020 | 08/06/2020 | 10-Q |
| 03/31/2020 | 05/08/2020 | 10-Q |
| 12/31/2019 | 03/13/2020 | 10-K |
| 09/30/2019 | 11/06/2019 | 10-Q |
| 06/30/2019 | 08/07/2019 | 10-Q |
Insider Activity
Updated 6/2/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Abernethy, James S | Son | Sell | 6022026 | 42.10 | 500 | 21,050 | 1,511,390 | Form | |
| 2 | Abernethy, Robert C JR | Direct | Sell | 6012026 | 41.61 | 1,200 | 49,932 | 2,290,963 | Form | |
| 3 | Abernethy, Ashton V | Direct | Sell | 5262026 | 42.26 | 950 | 40,147 | 1,852,594 | Form | |
| 4 | Abernethy, James S | Direct | Sell | 5142026 | 40.20 | 600 | 24,120 | 2,758,765 | Form | |
| 5 | Abernethy, James S | Direct | Sell | 5012026 | 39.35 | 600 | 23,610 | 2,724,043 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Abernethy, James S | Son | Sell | 6022026 | 42.10 | 500 | 21,050 | 1,511,390 | Form | |
| 2 | Abernethy, Robert C JR | Direct | Sell | 6012026 | 41.61 | 1,200 | 49,932 | 2,290,963 | Form | |
| 3 | Abernethy, Ashton V | Direct | Sell | 5262026 | 42.26 | 950 | 40,147 | 1,852,594 | Form | |
| 4 | Abernethy, James S | Direct | Sell | 5142026 | 40.20 | 600 | 24,120 | 2,758,765 | Form | |
| 5 | Abernethy, James S | Direct | Sell | 5012026 | 39.35 | 600 | 23,610 | 2,724,043 | Form | |
| 6 | Abernethy, James S | Direct | Sell | 4242026 | 39.50 | 600 | 23,700 | 2,758,127 | Form | |
| 7 | Abernethy, James S | Son | Sell | 4242026 | 40.06 | 600 | 24,036 | 1,458,184 | Form | |
| 8 | Abernethy, James S | Direct | Sell | 3042026 | 37.60 | 477 | 17,935 | 2,648,018 | Form | |
| 9 | Abernethy, James S | Direct | Sell | 2272026 | 38.91 | 523 | 20,350 | 2,778,291 | Form | |
| 10 | Abernethy, James S | Direct | Sell | 2252026 | 38.16 | 600 | 22,896 | 2,744,696 | Form | |
| 11 | Abernethy, James S | Direct | Sell | 2092026 | 38.34 | 1,000 | 38,340 | 2,780,647 | Form | |
| 12 | Abernethy, James S | Son | Sell | 2062026 | 37.27 | 600 | 22,362 | 1,378,990 | Form | |
| 13 | Abernethy, James S | Direct | Sell | 12032025 | 32.35 | 300 | 9,705 | 2,165,056 | Form | |
| 14 | Abernethy, James S | Son | Sell | 11262025 | 32.03 | 598 | 19,154 | 1,204,328 | Form | |
| 15 | Abernethy, James S | Son | Sell | 11262025 | 33.00 | 2 | 66 | 1,260,534 | Form | |
| 16 | Abernethy, James S | Direct | Sell | 11032025 | 29.05 | 800 | 23,240 | 1,952,915 | Form | |
| 17 | Abernethy, James S | Son | Sell | 10282025 | 31.00 | 319 | 9,889 | 1,192,911 | Form | |
| 18 | Abernethy, James S | Son | Sell | 10282025 | 30.90 | 281 | 8,683 | 1,180,380 | Form | |
| 19 | Abernethy, James S | Son | Sell | 9042025 | 31.01 | 600 | 18,606 | 1,203,188 | Form | |
| 20 | Abernethy, James S | Direct | Sell | 8262025 | 31.15 | 600 | 18,690 | 2,119,010 | Form | |
| 21 | Abernethy, James S | Direct | Sell | 8052025 | 28.01 | 600 | 16,806 | 2,007,645 | Form | |
| 22 | Abernethy, James S | Son | Sell | 7312025 | 28.58 | 600 | 17,146 | 1,108,749 | Form |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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