Peoples Bancorp of North Carolina Inc (PEBK) stock analysis

P/E above its 5-year median

Peoples Bancorp of North Carolina's P/E of 11.8 is above its own 5-year median of 10.4.

P/E below the industry

Peoples Bancorp of North Carolina's P/E of 11.8 is below the Commercial Banks median of 12.1.

P/S against the industry

Not enough revenue data to compare.

P/B above the industry

Peoples Bancorp of North Carolina's price-to-book of 1.46 is above the Commercial Banks median of 1.29.

Trading above fair value

The share price of $43.13 is above our fair value estimate of $39.35.

Margin of safety under 20%

The price is 9.6% above fair value, so there is no margin of safety.

Revenue growth over 3 years

Needs three years of positive revenue.

EPS growing under 10% a year

Diluted EPS grew 8.3% a year over the last three fiscal years.

Earnings growth accelerating

Net income grew 17.2% over the last twelve months, against a 5-year average of 11.8% a year.

Growth against the industry

Needs revenue for this year and last.

Company guidance

No outlook found in earnings releases from the last twelve months.

Gross margin trend

Banks and insurers do not report gross profit.

Return on equity under 15%

Return on equity was 13.1% over the last twelve months and averaged 12.9% over five years; we look for 15% on both.

Return on assets over 1%

Return on assets was 1.2%; for a bank or insurer, 1% or more is considered good.

Return on equity above the industry

Peoples Bancorp of North Carolina's return on equity of 13.1% is above the Commercial Banks median of 11.5%.

Earnings grew over 5 years

Net income grew 11.8% a year on average over the last five fiscal years.

Net margin against its history

Needs five years of revenue and net income.

Net margin against the industry

Needs revenue and net income.

Well capitalized

Equity is 9.1% of total assets; 8% or more is a comfortable cushion.

Loans funded by deposits

Needs loans and deposits.

Adequate loan-loss reserve

The allowance for credit losses is not reported.

Efficient operations

Needs non-interest expense and revenue.

Deposits growing

Deposits grew 3.5% over the past year.

Borrowings

Needs debt and equity figures.

Pays a dividend

Peoples Bancorp of North Carolina paid dividends worth 2.3% of the share price over the last twelve months.

Yield below Treasuries

The 2.3% yield is below the 4.4% on a 1-year Treasury.

Yield below the top quarter

The top quarter of US dividend payers yield 3.8% or more; Peoples Bancorp of North Carolina yields 2.3%.

Dividend was cut

The dividend per share fell by more than 10% at least once in the last 10 fiscal years.

Covered by earnings

Dividends take 27.1% of net income.

Covered by free cash flow

Dividends take 27.0% of free cash flow.