Business Description
Peoples Bancorp of North Carolina Inc
NAICS : 522110
SIC : 6022
ISIN : US7105771072
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PEBK.USA Index Membership
Russell 2000Russell 3000Russell 2000 IPO Date
1985-10-16Description
Peoples Bancorp of North Carolina Inc is a bank holding company. It is a state-chartered commercial bank serving Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, Charlotte, Cornelius, Raleigh and Cary, North Carolina. It has a diversified loan portfolio with no foreign loans and few agricultural loans. The company's main source of income is dividends declared and paid by the Bank on its capital stock.
Financial Strength
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 5.28 | |||||
| Equity-to-Asset | 0.08 | |||||
| Debt-to-Equity | 0.14 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 6/9 | |||||
| Beneish M-Score | -2.46 | |||||
| WACC vs ROIC | ||||||
Growth Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 7.1 | |||||
| 3-Year EPS without NRI Growth Rate | 4.5 | |||||
| 3-Year FCF Growth Rate | -7.5 | |||||
| 3-Year Book Growth Rate | -0.7 |
Momentum Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 68.44 | |||||
| 9-Day RSI | 62.6 | |||||
| 14-Day RSI | 58.38 | |||||
| 3-1 Month Momentum % | 2.15 | |||||
| 6-1 Month Momentum % | -11.9 | |||||
| 12-1 Month Momentum % | -3.44 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 2.6 | |||||
| Dividend Payout Ratio | 0.25 | |||||
| 3-Year Dividend Growth Rate | 4.8 | |||||
| Forward Dividend Yield % | 2.67 | |||||
| 5-Year Yield-on-Cost % | 3.63 | |||||
| 3-Year Average Share Buyback Ratio | 2.2 | |||||
| Shareholder Yield % | 3.1 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 23.32 | |||||
| FCF Margin % | 30.06 | |||||
| ROE % | 12.87 | |||||
| ROA % | 1.01 | |||||
| Years of Profitability over Past 10-Year | 10 | |||||
| Moat score | 3 | |||||
| Tariff score | 9 |
GF Value Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 9.83 | |||||
| PE Ratio without NRI | 9.83 | |||||
| Shiller PE Ratio | 11.15 | |||||
| Price-to-Owner-Earnings | 8.2 | |||||
| PS Ratio | 2.3 | |||||
| PB Ratio | 1.15 | |||||
| Price-to-Tangible-Book | 1.15 | |||||
| Price-to-Free-Cash-Flow | 7.6 | |||||
| Price-to-Operating-Cash-Flow | 7.19 | |||||
| EV-to-Revenue | 1.05 | |||||
| EV-to-FCF | 3.28 | |||||
| Price-to-GF-Value | 0.97 | |||||
| Price-to-Projected-FCF | 0.59 | |||||
| Price-to-Median-PS-Value | 0.91 | |||||
| Price-to-Graham-Number | 0.71 | |||||
| FCF Yield % | 13.59 | |||||
| Forward Rate of Return (Yacktman) % | 10.86 |
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