Peoples Bancorp Of North Carolina Inc Dossier
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SectorFinancials IndustryRegional Banks Beta (adjusted)0.53 Intrinsic Value $29.77median of 2 methodsbased on filings through 30 Jun 2026 Market Price $43.15Price as of 1 Oct 2026 OvervaluedIntrinsic value is 31% below the market price −50% · IV below pricenear fair value ±15%IV above price · +50% Data confidence Sign in to view data confidence Market Cap $229.6M Enterprise Value $184.2M Shares Outstanding 5.5M diluted Next Earnings Date20 Oct 2026 Last ex-dividend3 Jun 2026 All prices and values are periodic snapshots, not live quotes. Source dates are shown for reference. ThesisStreet consensus, scenarios, merits, risks, and invalidation triggers Thesis Summary Peoples Bancorp of North Carolina Inc. (PEBK) represents a highly stable, well-capitalized community bank operating in the economically resilient Piedmont region of North Carolina. The bank has demonstrated strong operational execution, highlighted by an expansion of its Net Interest Margin (NIM) to 3.68% in Q1 2026 and robust asset quality with non-performing assets at just 0.28% of total assets. Trading at a reasonable valuation relative to its historical averages and regional peers, PEBK offers a compelling combination of steady loan growth, conservative risk management, and a reliable dividend yield supported by over four decades of consecutive payments. This section is the 12-month view: analyst targets and the probability-weighted scenarios built from them. The intrinsic value at the top of this page answers a different question: what the business is worth today. Our research · scenarios, merits, risks, and invalidation triggersResearch as of 20 Jun 2026 Scenarios · 12-month scenario targets Bear CaseDownside scenario $38.0015% A broader economic slowdown or persistent high interest rates lead to severe net interest margin compression below 3.40% due to deposit competition. Concurrently, commercial real estate defaults rise, forcing the bank to significantly increase its provision for credit losses, which dampens profitability. Base CaseCentral scenario $44.0060% The bank maintains moderate loan growth of 5-7% annually while keeping its NIM stable around 3.60%-3.70%. Credit quality remains strong with minor, manageable increases in provisions. Operating expenses are well-controlled, allowing the bank to deliver steady EPS growth and support its regular quarterly dividend. Bull CaseUpside scenario $48.0025% The local economy in North Carolina experiences accelerated growth, driving higher-than-expected commercial and residential loan demand. NIM expands further toward 3.85% as deposit costs stabilize faster than loan yields. Credit provisions remain minimal due to pristine asset quality, leading to significant earnings outperformance. Scenarios reflect our research view at the research date. Key Investment Merits
Key Investment Risks
Thesis Invalidation Triggers
All scenarios are estimates and subject to change. Past performance is not indicative of future results. Quality Pillars MembersThis section is available to registered members. Create a free account or sign in to unlock the full breakdown. Explore this dossierValuationIntrinsic value, the six-method breakdown, peer medians, and your assumptions sandbox.Financial SnapshotRevenue, profitability, returns, balance sheet, dividends, and the filing-level detail.Qualitative AnalysisBusiness overview, strategic initiatives, and mergers, acquisitions & partnerships.Outlook & Key DatesForward estimates, reporting calendar, and the monitoring framework. |