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People Bank NC

NMQ:PEBK · US7105771072
BanksSmall

360

61
Medium confidence — indicative
Profit price54
Cash yield1
Price/Sales93
EV / Gross Profit59
Price/Book19
Returns on capital98
Profit margins—
Cash Conversion19
Accruals34
Owner Earnings Margin43
Sales growth13
Profit Growth25
Owner Earnings Growth53
Reinvestment54
Price momentum92
Debt load70
Debt serviceability44
Liquidity76
Analyst ratings—
Expectations trend—
Market mood1
Value Creation17/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

People Bank NC generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGM
Founded1999
Employees163
ISINUS7105771072
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)

Description

Peoples Bancorp of North Carolina, Inc. serves as the holding company for Peoples Bank (the ‘bank’). The bank is a state-chartered commercial bank serving the citizens and business interests of the Catawba Valley and surrounding communities through…

Analysis

Beloved champion

Peoples Bancorp of North Carolina, Inc. sits in the top corner of our grid: excellent business, premium price; every investor already knows the story.

On valuation, the picture is attractive. The owner-earnings multiple stands at 10.8×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is sturdy. The company scores 17/20 on our value-creation score: strong value creator.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
40
20232026

All-time high

46

Mar 2026

All-time low

9

Jan 2023

Average rank

32

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
93
—
—
38
Price/Earnings
64
—
—
24
Price/Book
19
—
—
12
Dividend Yield
1
—
—
35
Value (overall)
39
—
—
15

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →