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Peoples Bancorp of North Carolina, Inc. (PEBK)

Financial Services | Banks - Regional | Newton, United States | NasdaqGM
42.28 USD +0.31 (0.727%) ⇧ (July 15, 2026, 10:09 a.m. EDT)
Short-term:★★⯪☆☆Long-term:★★★⯪☆Dividends:★★★☆☆
Hot Take ↕ | July 11, 2026, 5:42 a.m. EDT

The stock presents a compelling value case for a patient buyer, trading at just 1.4 times tangible book value with a solid 22% return on equity, yet the immediate outlook remains flat due to muted momentum. Fundamentally, the business is healthy, evidenced by a 67% gain over the last nine years and a clean slate of consecutive annual declines, suggesting the market has fully priced in the risks rather than punishing the company. However, the short-term chart tells a different story; after a brief rally in late June, the price has drifted lower, hovering near the 50-day average with no clear upward bias. The statistical forecast model offers only a negligible lean to the upside with low confidence, confirming that there is no immediate catalyst to drive a sharp move. While the dividend yield of 2% is respectable and the payout ratio is sustainable, it is not aggressive enough to compensate for the lack of capital appreciation in the near term. Investors should view this as a steady, low-volatility holding rather than a vehicle for rapid gains.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.021580
AutoARIMA0.033069
AutoETS0.033070
MSTL0.035910

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 55%
H-stat 0.90
Ljung-Box p 0.000
Jarque-Bera p 0.423
Excess Kurtosis -0.94
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-06-02
Last Dividend Date 2026-06-02
Revenue per Share 16.93
Market Cap 224,470,496
Trailing P/E 11.65
Beta 0.31
Profit Margins 22.12%
Website https://www.peoplesbanknc.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.51% 2.76% 3.19% 3.20%
Dividend History
Date Dividend Yield %
2026-06-03 0.210000 0.510576
2026-03-04 0.210000 0.546733
2026-02-04 0.170000 0.457604
2025-12-03 0.200000 0.603682
2025-09-03 0.200000 0.637755
2025-06-03 0.200000 0.720202
2025-03-03 0.200000 0.756144
2025-02-03 0.160000 0.573066
2024-12-03 0.190000 0.599369
2024-09-03 0.190000 0.657667
2024-06-03 0.190000 0.625000
2024-03-01 0.190000 0.714823
2024-02-02 0.160000 0.584368
2023-12-01 0.190000 0.696736
2023-09-01 0.190000 0.877598
2023-06-01 0.190000 1.091327
2023-03-02 0.190000 0.570057
2023-02-02 0.150000 0.448565
2022-12-01 0.180000 0.601403
2022-09-01 0.180000 0.695249
2022-06-02 0.180000 0.685976
2022-03-02 0.180000 0.636042
2022-02-03 0.150000 0.522648
2021-12-02 0.170000 0.604337
2021-09-02 0.170000 0.607143
2021-06-02 0.160000 0.622568
2021-03-02 0.160000 0.668617
2020-12-02 0.150000 0.590319
2020-09-02 0.150000 0.878220
2020-06-02 0.150000 0.865551
2020-03-02 0.150000 0.575595
2020-01-31 0.150000 0.548446
2019-12-02 0.140000 0.445860
2019-08-30 0.140000 0.502332
2019-05-31 0.140000 0.511883
2019-03-01 0.140000 0.497866
2019-02-01 0.100000 0.381825
2018-11-30 0.130000 0.456621
2018-08-31 0.130000 0.425950
2018-06-01 0.130000 0.408163
2018-03-02 0.130000 0.455661
2017-12-01 0.120000 0.384862
2017-08-31 0.109091 0.394997
2017-05-31 0.109091 0.437478
2017-03-01 0.109091 0.436364
2016-11-30 0.090909 0.444444
2016-08-31 0.090909 0.475737
2016-06-01 0.090909 0.514138
2016-03-01 0.072727 0.431033
2015-12-01 0.072727 0.418847
2015-09-01 0.072727 0.419726
2015-06-01 0.054545 0.327330
2015-02-27 0.054545 0.326084
2014-11-28 0.054545 0.329668
2014-08-28 0.036364 0.236689
2014-05-30 0.036364 0.234882
2014-02-27 0.036364 0.259743
2013-11-29 0.027273 0.220753
2013-08-29 0.027273 0.226417
2013-05-31 0.027273 0.243509
2013-02-28 0.027273 0.273227
2012-11-29 0.063636 0.707067
2012-08-30 0.018182 0.212768
2012-05-31 0.018182 0.253167
2012-03-05 0.018182 0.250629
2012-02-02 0.045455 0.806460
2011-12-01 0.018182 0.366304
2011-08-31 0.018182 0.437641
2011-06-01 0.018182 0.321031
2011-03-03 0.018182 0.279723
2010-12-01 0.018182 0.400004
2010-09-01 0.018182 0.383146
2010-06-01 0.018182 0.333337
2010-03-04 0.018182 0.372443
2009-12-01 0.018182 0.411527
2009-09-01 0.063636 1.023386
2009-06-01 0.063636 1.076917
2009-02-27 0.090909 1.848427
2008-12-01 0.109091 1.255231
2008-08-29 0.109091 1.081082
2008-05-29 0.109091 0.966184
2008-02-28 0.109091 0.900902
2007-11-29 0.109091 0.716418
2007-08-29 0.109091 0.694847
2007-05-31 0.054545 0.304979
2007-03-01 0.072727 0.448932
2007-01-30 0.036364 0.215056
2006-11-30 0.072727 0.418847
2006-08-31 0.066667 0.400731
2006-06-01 0.066667 0.389382
2006-03-02 0.060606 0.444444
2005-11-30 0.060606 0.498640
2005-08-31 0.055096 0.471250
2005-06-01 0.055096 0.571424
2005-03-01 0.055096 0.481924
2004-12-01 0.050088 0.531071
2004-09-01 0.050088 0.549756
2004-06-01 0.050088 0.540544
2004-03-01 0.050088 0.534763
2003-12-01 0.050088 0.528824
2003-08-29 0.050088 0.571433
2003-05-30 0.050088 0.564657
2003-02-27 0.050088 0.684936
2002-11-29 0.050088 0.726749
2002-08-29 0.050088 0.716851
2002-05-30 0.050088 0.597019
2002-02-27 0.050088 0.636947
2001-11-29 0.050088 0.706719
2001-08-30 0.050088 0.534763
2001-05-31 0.050088 0.671146
2001-03-07 0.050088 0.701759
2000-12-07 0.050088 0.833339
2000-09-07 0.050088 0.772952
2000-06-01 0.050088 0.761910
2000-04-06 0.045079 0.626089
2000-03-08 0.045534 0.769227
1999-12-08 0.040981 0.549621
1999-09-08 0.040981 0.498272
1999-06-11 0.040981 0.428573
1999-03-24 0.040981 0.439026
1998-11-27 0.036427 0.452825
1998-08-28 0.036427 0.406775
1998-06-11 0.036427 0.355552
1997-12-03 0.036427 0.363633
1997-09-03 0.036427 0.387093
1997-05-29 0.033392 0.431376
1997-04-29 0.033392 0.448983
1997-03-13 0.033116 0.521742
1996-11-27 0.033116 0.523164
1996-09-05 0.033116 0.516132
1996-05-30 0.033116 0.533337
1996-03-07 0.033116 0.585369
1995-11-09 0.695432 10.956523
1995-08-31 0.033116 0.564709
1995-05-25 0.033116 0.558143
1995-02-28 0.033116 0.571432
1994-11-25 0.033116 0.533337
1994-08-30 0.033116 0.510641
1994-05-25 0.033116 0.500003
1994-03-02 0.033116 0.500003
1993-11-04 0.033116 0.666671
1993-08-30 0.033116 0.705886
1993-05-25 0.033116 0.716422
1993-03-02 0.033116 0.705886
1992-11-24 0.033116 0.685718
1992-09-01 0.033116 0.727277
1992-05-11 0.033116 0.705886
1992-02-25 0.033116 0.727277
1991-11-25 0.033116 0.727277
1991-08-27 0.033116 0.666671
1991-05-24 0.033116 0.685718
1991-02-25 0.033116 0.666671
1990-11-26 0.033116 0.623380
1990-08-28 0.033116 0.607599
1990-05-25 0.033116 0.631583
1990-02-23 0.033116 0.600004
1989-11-27 0.033116 0.600004
1989-08-28 0.033116 0.607599
1989-06-21 0.033116 0.615388
1989-02-24 0.033116 0.619358
1988-11-25 0.033116 0.666671
1988-08-26 0.033116 0.695656
1988-06-07 0.033116 0.705886
1988-02-24 0.033116 0.834788
1987-11-25 0.033116 0.888894
1987-08-26 0.033116 0.857148
1987-02-24 0.033116 0.800005
Additional Data
dividendRate 0.84
dividendYield 2.0
exDividendDate 2026-06-03
trailingAnnualDividendRate 0.81
trailingAnnualDividendYield 0.0192995
lastDividendValue 0.21
lastDividendDate 2026-06-03
dividendDate 2026-06-15

Info Dump

Attribute Value
52 Week Change 0.4583044
Address1 518 West C Street
All Time High 45.78
All Time Low 3.587545
Ask 54.27
Ask Size 2
Audit Risk 8
Average Daily Volume10 Day 22,260
Average Daily Volume3 Month 33,708
Average Volume 33,708
Average Volume10Days 22,260
Beta 0.309
Bid 30.17
Bid Size 2
Board Risk 6
Book Value 29.779
City Newton
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 7
Country United States
Crypto Tradeable 0
Currency USD
Current Price 42.275
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 42.275
Day Low 42.21
Display Name Peoples Bancorp of North Carolina
Dividend Date 1,781,481,600
Dividend Rate 0.84
Dividend Yield 2.0
Earnings Growth 0.013
Earnings Quarterly Growth 0.012
Earnings Timestamp 1,784,550,600
Earnings Timestamp End 1,784,550,600
Earnings Timestamp Start 1,784,550,600
Ebitda Margins 0.0
Enterprise To Revenue 2.009
Enterprise Value 180,500,000
Eps Trailing Twelve Months 3.63
Esg Populated 0
Ex Dividend Date 1,780,444,800
Exchange NGM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 42.0904
Fifty Day Average Change 0.18460083
Fifty Day Average Change Percent 0.004385818
Fifty Two Week Change Percent 45.83044
Fifty Two Week High 45.78
Fifty Two Week High Change -3.5049973
Fifty Two Week High Change Percent -0.07656176
Fifty Two Week Low 26.81
Fifty Two Week Low Change 15.465002
Fifty Two Week Low Change Percent 0.57683706
Fifty Two Week Range 26.81 - 45.78
Financial Currency USD
First Trade Date Milliseconds 498,317,400,000
Five Year Avg Dividend Yield 2.6
Float Shares 4,523,976
Full Exchange Name NasdaqGM
Full Time Employees 268
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 89,867,000
Has Pre Post Market Data 1
Held Percent Insiders 0.19222
Held Percent Institutions 0.44607
Implied Shares Outstanding 5,309,769
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,780,444,800
Last Dividend Value 0.21
Last Fiscal Year End 1,767,139,200
Last Split Date 1,512,086,400
Last Split Factor 11:10
Long Business Summary Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various banking products and services for individuals and small-to medium-sized businesses in the North Carolina, United States. The company offers deposit products. It also originates commercial real estate loans, commercial loans, construction and land development loans, single-family residential mortgage loans, as well as agricultural loans. In addition, the company provides investment counseling and non-deposit investment products, such as stocks, bonds, mutual funds, tax deferred annuities, and related brokerage services; and real estate appraisal and brokerage services. Further, it operates as a clearinghouse for the provision of appraisal services for community banks; and acquires, manages, and disposes of real property, other collateral, and other assets obtained in the ordinary course of collecting debts. The company was founded in 1912 and is headquartered in Newton, North Carolina.
Long Name Peoples Bancorp of North Carolina, Inc.
Market us_market
Market Cap 224,470,496
Market State REGULAR
Max Age 86,400
Message Board Id finmb_295776
Most Recent Quarter 1,774,915,200
Net Income To Common 19,883,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 222,851,004
Open 42.21
Operating Cashflow 20,477,000
Operating Margins 0.27802
Overall Risk 6
Payout Ratio 0.22309999
Phone 828 464 5620
Previous Close 41.97
Price Hint 2
Price To Book 1.4196247
Price To Sales Trailing12 Months 2.4978077
Profit Margins 0.22125
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.3050003
Regular Market Change Percent 0.72671026
Regular Market Day High 42.275
Regular Market Day Low 42.21
Regular Market Day Range 42.21 - 42.275
Regular Market Open 42.21
Regular Market Previous Close 41.97
Regular Market Price 42.275
Regular Market Time 1,784,124,540
Regular Market Volume 3,497
Return On Assets 0.0116
Return On Equity 0.13406
Revenue Growth 0.04
Revenue Per Share 16.93
Sand P52 Week Change 0.2043345
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 4
Shares Outstanding 5,309,769
Shares Percent Shares Out 0.012999999
Shares Short 69,251
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 80,922
Short Name Peoples Bancorp of North Caroli
Short Percent Of Float 0.0153
Short Ratio 1.7
Source Interval 15
State NC
Symbol PEBK
Total Cash 61,256,000
Total Cash Per Share 11.536
Total Debt 18,905,000
Total Revenue 89,867,000
Tradeable 0
Trailing Annual Dividend Rate 0.81
Trailing Annual Dividend Yield 0.0192995
Trailing Eps 3.63
Trailing P E 11.646006
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 37.1775
Two Hundred Day Average Change 5.0975
Two Hundred Day Average Change Percent 0.13711248
Type Disp Equity
Volume 3,497
Website https://www.peoplesbanknc.com
Zip 28,658-4007