Lumida
/PEBK
⌘K
Peoples Bancorp of North Carolina Inc

Peoples Bancorp of North Carolina Inc

PEBK
$44.34USD+1.09%+0.48 today

MARKET CAP

242.2M

P/E (TTM)

12.2x

FWD P/E

DAY RANGE

$43 – $44

52W RANGE

$27
$46

AI Summary

Stalk
StalkMedium

PEBK exhibits a clear Stage 2 advancing regime with higher highs and higher lows, supported by rising EMAs and expanding volume. The long-term and medium-term trends are bullish, but the recent pullback into the 9/21 EMA zone and rejection at short-term EMAs signal potential distribution risk. Price is now retesting 50-day EMA support near prior swing lows, offering a tactical entry opportunity. We will stalk for confirmation of acceptance at this zone before committing.

  • Q2 2026 revenue of $22.8M (+1.4% YoY) and EPS $0.98 (+1.03%) show earnings resilience
  • Dividend yield of 1.92% with a 23.08% payout ratio supports sustainable shareholder returns
  • Credit loss provisions rose to $16.6M, signaling declining credit quality and higher charge-offs
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$72.1M$81.1M$94.8M$108.4M$114.6M
YoY %+1.7%+12.5%+16.8%+14.4%+5.7%
P / Sales2.2x2.3x1.8x1.6x1.7x
EV / Sales22.1x20.3x17.4x15.3x15.0x
Gross Profit, Adj.$68.9M$77.8M$77.6M$81.8M$90.0M
YoY %+2.8%+12.9%-0.2%+5.4%+10.0%
Margin %95.6%95.9%81.9%75.4%78.5%
EV / Gross Profit23.2x21.2x21.3x20.3x19.1x
EBITDA, Adj.$18.9M$20.3M$19.9M$20.9M$25.9M
YoY %+36.7%+7.2%-1.8%+5.0%+23.5%
Margin %26.3%25.0%21.0%19.3%22.6%
EV / EBITDA84.3x81.2x83.0x79.4x66.4x
EBIT$18.9M$20.3M$19.9M$20.9M$25.9M
YoY %+36.7%+7.2%-1.8%+5.0%+23.5%
Margin %26.3%25.0%21.0%19.3%22.6%
EV / EBIT84.3x81.2x83.0x79.4x66.4x
Net Income$15.1M$16.1M$15.5M$16.4M$19.8M
YoY %+33.2%+6.5%-3.6%+5.2%+21.3%
Net Margin21.0%19.9%16.4%15.1%17.3%
EPS (GAAP)$2.63$2.85$2.77$2.98$3.62
YoY %+34.9%+8.4%-2.8%+7.6%+21.5%