Peoples Bancorp of North Carolina Inc (PEBK) Stock Analysis
Verdict: WATCH (do not buy)
Robust ROE and growth are overshadowed by aggressive insider selling and a valuation premium relative to micro-cap banking peers.
Investment score: 58/100
Analysis as of
Is Peoples Bancorp of North Carolina Inc stock worth reviewing? The TradeMates thesis
PEBK is a fundamentally sound community bank with impressive 76% gross margins, but the current price is extended relative to peers and insider activity suggests the local top may be in.
7-factor investment score
- Valuation: 50/100 (weight 20%)
- Financial Health: 75/100 (weight 15%)
- Technical Momentum: 65/100 (weight 15%)
- Earnings Quality: 60/100 (weight 15%)
- Insider Sentiment: 20/100 (weight 10%)
- Analyst Consensus: 50/100 (weight 10%)
- Risk-Adjusted Return: 70/100 (weight 15%)
Peoples Bancorp of North Carolina Inc opportunities and risks
What speaks for PEBK
- Superior Margin Profile
What speaks against PEBK
- Persistent Insider Liquidations
Peers and competitors
- LCNB
- FFMH
- VABK
- FBLA
- OVBC
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| PEBK | 11.1x | 2.1x | 7.7x | 76.4% | 18.3% | 8.5% |
| LCNB | 10.2x | 1.9x | 11.6x | 72.5% | 18.5% | 14.3% |
| FFMH | 11.7x | 2.8x | 8.2x | 63.2% | 23.8% | 0.0% |
| VABK | 11.4x | 2.8x | 9.6x | 69.9% | 24.2% | 11.3% |
| FBLA | 339.2x | 3.4x | 45.4x | 69.8% | 1.0% | 4.9% |
| OVBC | 14.4x | 2.3x | 13.6x | 66.1% | 16.0% | 10.6% |
| Peer median | 11.7x | 2.8x | 11.6x | 69.8% | 18.5% | 10.6% |
Frequently asked questions about Peoples Bancorp of North Carolina Inc (PEBK)
Is PEBK stock a good investment?
The TradeMates model rates Peoples Bancorp of North Carolina Inc as WATCH (do not buy) with an investment score of 58/100. PEBK is a fundamentally sound community bank with impressive 76% gross margins, but the current price is extended relative to peers and insider activity suggests the local top may be in. This is algorithmic model output, not personal investment advice.
Is PEBK stock a buy?
The TradeMates model verdict for PEBK is WATCH (do not buy) with an investment score of 58/100. Treat this as a model signal to review, not a personal buy recommendation.