Peoples Bancorp of North Carolina, Inc. (PEBK) Stock Score, Valuation & Financial Research
Peoples Bancorp of North Carolina, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 53/100.
Quick answer for PEBK
Peoples Bancorp of North Carolina, Inc. currently has a Wall Street Score of 53/100. The stored market price is $44.34. Its financial score is 57/100. Its valuation score is 93/100. These figures are a research snapshot, not a buy or sell recommendation.
What Peoples Bancorp of North Carolina, Inc. does
Peoples Bancorp of North Carolina, Inc. functions as the holding company for Peoples Bank, delivering a broad spectrum of financial products and services to individuals and small to medium-sized enterprises. Its deposit offerings encompass checking, savings, money market, and demand accounts, along with certificates of deposit (CDs) and time deposits. The bank also handles borrowed funds. For lending, Peoples Bank provides various credit options, including commercial real estate and general commercial loans, construction and land development financing, and agricultural loans. For personal needs, it extends single-family residential, standard residential mortgage, and Individual Taxpayer Identification Number (ITIN) mortgage loans. Beyond traditional banking, the company furnishes investment advisory services and a range of non-deposit investment instruments, such as stocks, bonds, mutual
PEBK financial snapshot
- Wall Street Score:
- 53/100
- Current price:
- $44.34
- Market capitalization:
- $242.2M
- Revenue:
- $110.1M
- Net income:
- $20.0M
- Free cash flow:
- $20.0M
- Cash:
- $33.4M
- Total debt:
- $18.7M
- EPS:
- 2.92
- P/E ratio:
- 15.2x
- Financial score:
- 57/100
- Valuation score:
- 93/100
- Revenue score:
- 33/100
What stands out
- Reported year-over-year revenue growth is -0.0%.
- Free cash flow is $20.0M, showing positive cash generation.
- The balance sheet shows $33.4M of cash versus $18.7M of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 93/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 57/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research PEBK
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.