Skip to main content

PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) Stock Forecast 2025 - AI Price Prediction & Analysis


PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) AI Stock Price Forecast & Investment Analysis

PEOPLES BANCORP OF NORTH CAROLINA INC Stock Price Chart and Technical Analysis

Loading PEOPLES BANCORP OF NORTH CAROLINA INC interactive price chart and technical analysis...

PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) - Comprehensive Stock Analysis & Investment Research

Company Overview & Business Profile

PEOPLES BANCORP OF NORTH CAROLINA INC (Stock Symbol: PEBK) is a leading company in the Finance sector , specifically operating within the State Commercial Banks industry. The organization employs approximately 82 professionals worldwide . The company has established itself as an emerging investment opportunity with substantial growth potential.

Financial Performance & Key Metrics Analysis

Annual Revenue: $84 million generating a 24.1% net profit margin .

Market Capitalization: $174 million - Classified as a small-cap investment offering high growth potential.

Return on Equity (ROE): 10.9% - Above-average shareholder return efficiency, indicating areas for operational improvement.

Advanced AI Stock Prediction & Price Target Analysis

🚀 Unlock Premium AI Predictions to access our advanced machine learning forecasts for PEOPLES BANCORP OF NORTH CAROLINA INC stock, including 7-day, 30-day, and 90-day price targets with confidence intervals and risk assessments.

Market Position & Competitive Advantage Analysis

PEOPLES BANCORP OF NORTH CAROLINA INC strategically competes in the highly dynamic State Commercial Banks marketplace, representing an emerging small-cap investment with substantial growth potential and market disruption capabilities . The company demonstrates robust operational efficiency through strong free cash flow generation of $22 million annually , complemented by impressive -30.6% year-over-year cash flow growth.

PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for PEOPLES BANCORP OF NORTH CAROLINA INC stock analysis.

Loading PEOPLES BANCORP OF NORTH CAROLINA INC comprehensive fundamental analysis and insider trading data...

Deep dive into PEOPLES BANCORP OF NORTH CAROLINA INC's financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if PEOPLES BANCORP OF NORTH CAROLINA INC stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For PEOPLES BANCORP OF NORTH CAROLINA INC: With a P/E ratio of 10.23, the market sees the stock as potentially undervalued.

P/E Ratio 10.23x
P/B Ratio 1.21x
Market Cap $174M
Dividend Yield 2.95%
EPS $3.20
Book Value/Share $26.34
Revenue/Share $15.39
FCF/Share $1.68
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently PEOPLES BANCORP OF NORTH CAROLINA INC converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For PEOPLES BANCORP OF NORTH CAROLINA INC: An ROE of 10.9% shows good shareholder value creation.

ROE 10.9%
ROA 0.9%
Net Margin 24.1%
EBT Margin 30.1%
Tax Rate 19.9%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess PEOPLES BANCORP OF NORTH CAROLINA INC's ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For PEOPLES BANCORP OF NORTH CAROLINA INC:

D/E Ratio 0.17x
Financial Leverage 13.25x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal PEOPLES BANCORP OF NORTH CAROLINA INC's ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For PEOPLES BANCORP OF NORTH CAROLINA INC: Free cash flow of $22M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $22M
Free Cash Flow $22M
OCF Growth YoY -30.6%
FCF Growth YoY -35.6%
FCF/Sales 36.5%
CapEx/Sales 0.7%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively PEOPLES BANCORP OF NORTH CAROLINA INC uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For PEOPLES BANCORP OF NORTH CAROLINA INC: An asset turnover of 0.04x suggests room for improvement in asset utilization.

Asset Turnover 0.04x
Fixed Assets Turnover 2.8x
Understanding Financial Statement Data

What these metrics mean: Key figures from PEOPLES BANCORP OF NORTH CAROLINA INC's income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For PEOPLES BANCORP OF NORTH CAROLINA INC: With annual revenue of $84M, PEOPLES BANCORP OF NORTH CAROLINA INC represents a smaller but potentially high-growth operation.

Income Statement ($ Millions)
Total Revenue $84M
SG&A Expense $46M
Balance Sheet Highlights ($ Millions)
Cash & Short-term Investments $43M
Total Liabilities $92M
Short-term Debt $0M
Accounts Receivable $2M
Dividend & Shareholder Information
Dividends Per Share $0.94
Payout Ratio 0.3%
Shares Outstanding 5M
Growth Metrics (YoY)
EPS Growth 9.3%

Latest PEOPLES BANCORP OF NORTH CAROLINA INC Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) stock price and investment outlook.

PEOPLES BANCORP OF NORTH CAROLINA INC Competitors & Peer Analysis - Finance Sector

Comparative analysis of PEOPLES BANCORP OF NORTH CAROLINA INC against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast Market Cap (USD M) P/E Ratio P/B Ratio
ABCB Unlock Forecast $5087M 13.0x 1.3x
ACNB Unlock Forecast $488M 19.4x 1.2x
ALLY Unlock Forecast $12250M 15.3x 0.9x
AMAL Unlock Forecast $1010M 10.8x 1.3x
ASB Unlock Forecast $4481M 32.2x 0.9x
ASBA Unlock Forecast $4138M 29.7x 0.9x
ASB-PE Unlock Forecast $3663M 26.3x 0.8x
ASB-PF Unlock Forecast $3468M 24.9x 0.7x
AUB Unlock Forecast $5056M 24.8x 1.1x
AUBN Unlock Forecast $77M 12.6x 1.1x
AUB-PA Unlock Forecast $3486M 17.1x 0.7x
BAFN Unlock Forecast $34M 3.7x 0.3x
BANR Unlock Forecast $2340M 12.9x 1.3x
BCML Unlock Forecast $336M 13.9x 1.0x
BFST Unlock Forecast $749M 9.7x 0.9x
BHB Unlock Forecast $493M 12.5x 1.1x
BK Unlock Forecast $77827M 15.6x 1.8x
BK-PK Unlock Forecast $19006M 3.8x 0.4x
BKSC Unlock Forecast $88M 13.4x 2.1x
BMRC Unlock Forecast $389M 56.3x 0.9x
BMTX Unlock Forecast $58M -4.5x 2.7x
BOH Unlock Forecast $2726M 15.9x 1.6x
BOH-PA Unlock Forecast $688M 4.0x 0.4x
BOH-PB Unlock Forecast $1064M 6.2x 0.6x
BOTJ Unlock Forecast $70M 9.9x 1.0x
BPOP Unlock Forecast $8576M 11.9x 1.4x
BPOPM Unlock Forecast $1717M 2.4x 0.3x
BPOPO Unlock Forecast $1700M 2.4x 0.3x
BPRN Unlock Forecast $237M 34.7x 0.9x
BRBS Unlock Forecast $358M -1.3x 1.0x
BSRR Unlock Forecast $426M 10.5x 1.2x
BSVN Unlock Forecast $473M 10.7x 2.0x
BUSE Unlock Forecast $2194M 13.3x 1.0x
BWB Unlock Forecast $462M 12.2x 1.0x
BWBBP Unlock Forecast $553M 14.6x 1.2x
BWFG Unlock Forecast $328M 15.7x 1.2x
BY Unlock Forecast $1329M 11.2x 1.1x
CATY Unlock Forecast $3507M 11.9x 1.2x
CBAN Unlock Forecast $300M 10.8x 1.0x
CBFV Unlock Forecast $177M 15.3x 1.2x
CBSH Unlock Forecast $7919M 16.2x 3.2x
CCB Unlock Forecast $1735M 36.5x 3.8x
CCBG Unlock Forecast $742M 12.8x 1.4x
CCFN Unlock Forecast $177M 8.7x 1.0x
CCNE Unlock Forecast $558M 10.2x 0.9x
CCNEP Unlock Forecast $517M 9.5x 0.8x
CFB Unlock Forecast $0M 12.2x 0.0x
CFFI Unlock Forecast $232M 9.5x 1.0x
CFG Unlock Forecast $22916M 14.4x 0.9x
CFG-PE Unlock Forecast $8897M 5.6x 0.4x
CFG-PH Unlock Forecast $11788M 7.4x 0.5x
CHMG Unlock Forecast $255M 22.8x 1.1x
CIVB Unlock Forecast $0M 10.8x 0.0x
CNOB Unlock Forecast $1284M 34.3x 0.9x
CNOBP Unlock Forecast $1186M 31.6x 0.8x
COFS Unlock Forecast $464M 32.8x 1.1x
COLB Unlock Forecast $5741M 10.9x 1.1x
COSO Unlock Forecast $237M x 1.1x
CPF Unlock Forecast $855M 14.1x 1.5x
CSBB Unlock Forecast $119M 9.3x 1.0x
CTBI Unlock Forecast $1061M 11.6x 1.3x
CUBB Unlock Forecast $692M 4.7x 0.4x
CUBI Unlock Forecast $2299M 15.6x 1.2x
CUBI-PF Unlock Forecast $839M 5.7x 0.5x
CVBF Unlock Forecast $2792M 13.7x 1.3x
CWBC Unlock Forecast $409M 15.5x 1.1x
CZFS Unlock Forecast $291M 9.2x 0.9x
CZNC Unlock Forecast $314M 11.6x 1.1x
EBMT Unlock Forecast $137M 10.9x 0.8x
EBTC Unlock Forecast $496M 14.6x 1.3x
EFSC Unlock Forecast $2295M 11.4x 1.2x
EFSCP Unlock Forecast $775M 3.9x 0.4x
EFSI Unlock Forecast $194M 24.6x 1.1x
EGBN Unlock Forecast $581M -22.5x 0.5x
EMYB Unlock Forecast $130M 11.1x 1.1x
EQBK Unlock Forecast $725M 10.8x 1.1x
EWBC Unlock Forecast $14735M 12.4x 1.8x
FBIZ Unlock Forecast $429M 9.0x 1.3x
FBK Unlock Forecast $2525M 27.9x 1.6x
FBNC Unlock Forecast $2267M 23.3x 1.5x
FBP Unlock Forecast $3657M 11.9x 2.0x
FCBC Unlock Forecast $702M 14.0x 1.4x
FCCO Unlock Forecast $209M 12.1x 1.3x
FCNCA Unlock Forecast $26857M 11.2x 1.2x
FCNCB Unlock Forecast $22762M 9.5x 1.0x
FCNCO Unlock Forecast $317M 0.1x 0.0x
FCNCP Unlock Forecast $302M 0.1x 0.0x
FFIC Unlock Forecast $453M 19.5x 0.6x
FFIN Unlock Forecast $5446M 22.2x 3.1x
FFNW Unlock Forecast $208M 81.8x 1.3x
FFWM Unlock Forecast $479M -23.9x 0.5x
FHB Unlock Forecast $3290M 13.4x 1.2x
FIBK Unlock Forecast $3377M 14.7x 1.0x
FINW Unlock Forecast $260M 19.2x 1.4x
FITB Unlock Forecast $30781M 13.2x 1.5x
FITBI Unlock Forecast $17362M 7.4x 0.8x
FITBO Unlock Forecast $14054M 6.0x 0.7x
FITBP Unlock Forecast $16592M 7.1x 0.8x
FKYS Unlock Forecast $107M 13.8x 1.0x
FMBH Unlock Forecast $972M 11.5x 1.1x
FMBM Unlock Forecast $85M 10.0x 0.9x
FMNB Unlock Forecast $558M 11.1x 1.3x
FRAF Unlock Forecast $198M 13.6x 1.3x
FRST Unlock Forecast $294M -22.0x 0.8x
FSBC Unlock Forecast $701M 13.5x 1.7x
FUSB Unlock Forecast $76M 9.8x 0.7x
FVCB Unlock Forecast $227M 12.0x 0.9x
FXNC Unlock Forecast $212M 26.7x 1.2x
GABC Unlock Forecast $1569M 18.2x 1.5x
GBCI Unlock Forecast $5756M 26.1x 1.6x
GBFH Unlock Forecast $602M x 4.0x
GLBZ Unlock Forecast $16M 28.2x 0.8x
GNRV Unlock Forecast $7M x 0.7x
GSBC Unlock Forecast $730M 10.7x 1.2x
HBIA Unlock Forecast $727M 12.9x 1.4x
HBNC Unlock Forecast $730M 14.1x 0.9x
HBT Unlock Forecast $844M 11.0x 1.5x
HMST Unlock Forecast $270M -13.1x 0.7x
HNVR Unlock Forecast $162M 14.2x 0.8x
HOMB Unlock Forecast $5959M 15.8x 1.5x
HONE Unlock Forecast $544M 20.6x 0.9x
HTBK Unlock Forecast $622M 15.9x 0.9x
HTH Unlock Forecast $2284M 15.9x 1.0x
HTLF Unlock Forecast $0M 33.6x 0.0x
HTLFP Unlock Forecast $0M 12.6x 0.0x
HWC Unlock Forecast $5476M 13.1x 1.3x
HWCPZ Unlock Forecast $2096M 5.5x 0.5x
IBCP Unlock Forecast $1375M 21.2x 2.9x
IBOC Unlock Forecast $4526M 11.0x 1.5x
IBTX Unlock Forecast $2514M -8.0x 1.3x
INBK Unlock Forecast $222M 14.4x 0.6x
INBKZ Unlock Forecast $217M 14.1x 0.6x
INDB Unlock Forecast $3067M 16.3x 1.0x
ISBA Unlock Forecast $241M 14.8x 1.1x
ISTR Unlock Forecast $233M 10.5x 0.9x
JMSB Unlock Forecast $289M 15.3x 1.1x
LKFN Unlock Forecast $1765M 18.7x 2.5x
LNKB Unlock Forecast $274M 71.1x 1.0x
LOB Unlock Forecast $1775M 31.7x 1.7x
MBCN Unlock Forecast $270M 14.9x 1.3x
MBIN Unlock Forecast $1488M 5.9x 0.7x
MBINL Unlock Forecast $1034M 4.1x 0.5x
MBINM Unlock Forecast $1161M 4.6x 0.5x
MBINN Unlock Forecast $922M 3.6x 0.4x
MBINO Unlock Forecast $1144M 4.0x 0.6x
MBWM Unlock Forecast $810M 10.0x 1.3x
MCB Unlock Forecast $859M 12.5x 1.2x
MCBS Unlock Forecast $772M 11.7x 1.8x
MNSB Unlock Forecast $176M 11.1x 0.8x
MNSBP Unlock Forecast $191M 13.3x 0.9x
MOFG Unlock Forecast $630M -84.8x 1.1x
MPB Unlock Forecast $691M 15.7x 0.9x
MSBI Unlock Forecast $401M 7.5x 0.5x
MSBIP Unlock Forecast $519M 9.8x 0.6x
MTB Unlock Forecast $32632M 12.1x 1.1x
MTB-PH Unlock Forecast $4095M 1.5x 0.1x
MTB-PJ Unlock Forecast $4425M 1.6x 0.2x
MVBF Unlock Forecast $316M 18.5x 1.0x
MYFW Unlock Forecast $225M 19.5x 0.9x
NPB Unlock Forecast $590M x 1.0x
NTRS Unlock Forecast $25509M 14.7x 2.0x
NTRSO Unlock Forecast $4004M 2.3x 0.3x
NWFL Unlock Forecast $236M 74.5x 1.1x
NWPP Unlock Forecast $74M 8.1x 1.0x
OBK Unlock Forecast $1221M 17.5x 1.0x
OBT Unlock Forecast $349M 11.8x 1.4x
OFG Unlock Forecast $2025M 10.4x 1.5x
OPBK Unlock Forecast $213M 9.5x 1.0x
ORRF Unlock Forecast $680M 15.7x 1.2x
OSBC Unlock Forecast $848M 10.1x 1.2x
OVBC Unlock Forecast $0M 7.7x 0.0x
OVLY Unlock Forecast $239M 9.9x 1.3x
PB Unlock Forecast $6628M 12.7x 0.9x
PBHC Unlock Forecast $84M 12.4x 0.7x
PCB Unlock Forecast $322M 10.2x 0.9x
PEBK Unlock Forecast $174M 10.2x 1.2x
PEBO Unlock Forecast $1094M 10.5x 1.0x
PFBX Unlock Forecast $92M 4.7x 1.0x
PFC Unlock Forecast $1038M 13.2x 1.0x
PKBK Unlock Forecast $267M 8.6x 0.9x
PMHG Unlock Forecast $165M 20.3x 1.9x
PPBI Unlock Forecast $2370M 17.2x 0.8x
PWOD Unlock Forecast $244M 14.7x 1.5x
QCRH Unlock Forecast $1336M 11.8x 1.3x
QNBC Unlock Forecast $130M 10.1x 1.2x
RBB Unlock Forecast $364M 15.8x 0.7x
RBCAA Unlock Forecast $1517M 12.2x 1.4x
RMBI Unlock Forecast $152M 15.9x 1.2x
RNST Unlock Forecast $3767M 23.6x 1.0x
RRBI Unlock Forecast $427M 13.0x 1.3x
RVRF Unlock Forecast $278M 7.2x 1.1x
SBCF Unlock Forecast $2670M 19.2x 1.2x
SBFG Unlock Forecast $8M 10.8x 0.1x
SBSI Unlock Forecast $948M 11.1x 1.2x
SFBS Unlock Forecast $4852M 19.4x 2.8x
SFDL Unlock Forecast $98M 8.4x 0.5x
SLBK Unlock Forecast $94M 8.6x 1.0x
SPFI Unlock Forecast $698M 12.8x 1.5x
SRCE Unlock Forecast $1670M 11.8x 1.4x
SSB Unlock Forecast $10363M 17.5x 1.2x
SSBK Unlock Forecast $361M 10.6x 1.2x
STBA Unlock Forecast $1499M 12.4x 1.1x
STT Unlock Forecast $33604M 11.8x 1.2x
STT-PG Unlock Forecast $6695M 2.4x 0.2x
SYBT Unlock Forecast $2420M 18.9x 2.4x
TCBI Unlock Forecast $4042M 30.2x 1.2x
TCBIO Unlock Forecast $953M 7.1x 0.3x
TCBK Unlock Forecast $1488M 13.3x 1.2x
TECTP Unlock Forecast $74M 4.5x 0.7x
TFIN Unlock Forecast $1464M 107.4x 1.6x
TFINP Unlock Forecast $537M 39.5x 0.6x
THFF Unlock Forecast $664M 12.1x 1.2x
TMP Unlock Forecast $0M 47.6x 0.0x
TRST Unlock Forecast $757M 14.2x 1.1x
UBCP Unlock Forecast $82M 9.3x 1.4x
UBSI Unlock Forecast $5511M 14.0x 1.0x
UCB Unlock Forecast $4090M 15.0x 1.1x
UCB-PI Unlock Forecast $3078M 11.3x 0.9x
UNB Unlock Forecast $0M 16.5x 0.0x
UNTY Unlock Forecast $534M 10.6x 1.7x
USCB Unlock Forecast $0M -3.5x 0.0x
UVSP Unlock Forecast $930M 11.6x 1.0x
UWHR Unlock Forecast $85M 8.4x 1.6x
VBFC Unlock Forecast $120M 56.1x 1.6x
VBTX Unlock Forecast $3745M 32.3x 2.3x
WAL Unlock Forecast $10114M 12.0x 1.4x
WAL-PA Unlock Forecast $2603M 3.1x 0.4x
WASH Unlock Forecast $578M 13.8x 1.1x
WTBA Unlock Forecast $339M 11.8x 1.4x
WTFC Unlock Forecast $9327M 12.6x 1.3x
WTFCM Unlock Forecast $1807M 2.6x 0.3x
WTFCN Unlock Forecast $1801M 2.4x 0.3x
WTFCP Unlock Forecast $1814M 2.6x 0.3x

Frequently Asked Questions - PEOPLES BANCORP OF NORTH CAROLINA INC Stock Forecast

How accurate are PEOPLES BANCORP OF NORTH CAROLINA INC stock predictions?

Our AI model demonstrates 51% historical accuracy for PEBK predictions, based on advanced machine learning algorithms trained on over 10 years of market data.

What factors influence PEOPLES BANCORP OF NORTH CAROLINA INC stock price forecasts?

Our analysis considers PEOPLES BANCORP OF NORTH CAROLINA INC's financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is PEOPLES BANCORP OF NORTH CAROLINA INC a good investment in 2025?

Based on our AI analysis, PEOPLES BANCORP OF NORTH CAROLINA INC shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are PEOPLES BANCORP OF NORTH CAROLINA INC forecasts updated?

PEOPLES BANCORP OF NORTH CAROLINA INC stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

Want More Advanced PEOPLES BANCORP OF NORTH CAROLINA INC Analysis?

Unlock premium features including detailed price targets, risk assessments, portfolio optimization, and real-time alerts for PEOPLES BANCORP OF NORTH CAROLINA INC stock.

My Portfolio

Investment Dashboard

Loading your portfolio...