Peoples Bancorp Of North Carolina IncPEBK
Price$43.15Intrinsic value$29.7731% below price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $29.77median of 2 methodsbased on filings through 30 Jun 2026
Market Price $43.15Price as of 1 Oct 2026
Margin of Safety -31.0%as of 1 Oct 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 5.0% (near-term consensus, capped) · years 2–5: 5.0%/yr (balance of the path).5.0% per year
Years 6–10: glide to demonstrated growth
Per-year rates
Yr 65.0%Yr 75.0%Yr 85.0%Yr 95.0%Yr 105.0%
5.0% → 5.0%
Years 11–20: glide to long-run rate
Per-year rates
Yr 114.8%Yr 124.6%Yr 134.4%Yr 144.2%Yr 154.0%Yr 163.8%Yr 173.6%Yr 183.4%Yr 193.2%Yr 203.0%
5.0% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 3 windows (5/6/7y)7.4%
Discount rate (cost of equity) 7.3%
Volatility vs market (adjusted beta)0.53

Valuation Detail Members

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Assumptions Sandbox Members

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Compare with peers

Search any company to compare valuation, profitability, returns, growth, and financial strength side by side.

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Best in rowHigher is betterLower is better—Data not available
TargetPeoples Bancorp Of North Carolina IncPEBKFinancials
Valuation
P/E11.9×
P/S2.0×
P/B1.5×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin100.0%
Operating margin28.2%
Net margin17.8%
FCF margin17.5%
Returns
ROE12.4%
ROA1.1%
ROIC17.2%
Growth
Revenue growth (YoY)5.7%
5-yr fwd EPS growth—
Financial strength
Debt / Equity0.10×
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield1.9%

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.