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PEBK

Peoples Bancorp of North Carolina, Inc.

Financial Services · $236M market cap

Verdict

Share price

$44.27

close of Oct 3, 2026

Fair value

$50.13

Sticker Price

Payback Price

$20.05

buy price

Undervalued

PEBK is Undervalued: at $44.27 it trades 12% below its fair value of $50.13. Its buy price (Payback Price) is $20.05, 55% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth7.3% a year✗
Equity per share growth3.7% a year✗
Sales growth2.4% a year✗
Free cash flow growth4.3% a year✗
Return on invested capital8.8%✗

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Insider activity

Since Jul 23, 2026: 1 open-market purchase worth $17K, 11 sales worth $1.1M and 3 other filings (stock awards, tax withholding and similar). Why purchases matter

Purchases

PRICE BILLY L JR DR

director · 2026-08-27

Bought

$17K

Sales

ABERNETHY JAMES S

director · 2026-09-02

Sold

$22K

ABERNETHY ROBERT C

director · 2026-09-02

Sold

$305K

Abernethy Robert C. JR

director · 2026-09-01

Sold

$52K

ABERNETHY JAMES S

director · 2026-08-27

Sold

$43K

Abernethy Robert C. JR

director · 2026-08-07

Sold

$40K

Show all 11 sales

ABERNETHY ROBERT C

director · 2026-08-05

Sold

$227K

ABERNETHY JAMES S

director · 2026-07-30

Sold

$43K

ABERNETHY JAMES S

director · 2026-07-29

Sold

$22K

ABERNETHY JAMES S

director · 2026-07-28

Sold

$43K

ABERNETHY ROBERT C

director · 2026-07-23

Sold

$211K

Abernethy Robert C. JR

director · 2026-07-23

Sold

$50K

Other filings

Hooper Jeffrey N.

EVP/Chief Financial Officer · 2026-08-20

Award

890 shares

Shinn Carol S.

EVP, Chief Operations Officer · 2026-08-20

Award

560 shares

Turner Timothy Paul

EVP, Chief Credit Officer · 2026-08-20

Award

560 shares

About Peoples Bancorp of North Carolina, Inc.

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…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works