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Peoples Bancorp of North Carolina, Inc. (PEBK)
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Company Info

ISINUS7105771072
CUSIP710577107
SectorFinancial Services
IndustryBanks—Regional

Highlights

Market Cap$159.58M
EPS$2.93
PE Ratio10.29
Revenue (TTM)$77.59M
Gross Profit (TTM)$76.33M
Year Range$15.71 - $31.59
Target Price$13.00
Short %0.15%
Short Ratio1.41

Share Price Chart


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Compare to other instruments

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Peoples Bancorp of North Carolina, Inc.

Popular comparisons: PEBK vs. CBT, PEBK vs. AMCR, PEBK vs. BC, PEBK vs. IP, PEBK vs. PKG, PEBK vs. FISI, PEBK vs. AUBN, PEBK vs. SHW, PEBK vs. UNTY, PEBK vs. FXNC

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Peoples Bancorp of North Carolina, Inc., comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


2,400.00%2,600.00%2,800.00%3,000.00%December2024FebruaryMarchAprilMay
2,935.33%
2,723.77%
PEBK (Peoples Bancorp of North Carolina, Inc.)
Benchmark (^GSPC)

S&P 500

Returns By Period

Peoples Bancorp of North Carolina, Inc. had a return of -2.40% year-to-date (YTD) and 62.18% in the last 12 months. Over the past 10 years, Peoples Bancorp of North Carolina, Inc. had an annualized return of 9.72%, while the S&P 500 had an annualized return of 10.84%, indicating that Peoples Bancorp of North Carolina, Inc. did not perform as well as the benchmark.


PeriodReturnBenchmark
Year-To-Date-2.40%11.29%
1 month7.42%6.86%
6 months12.75%16.73%
1 year62.18%26.63%
5 years (annualized)4.95%13.23%
10 years (annualized)9.72%10.84%

Monthly Returns

The table below presents the monthly returns of PEBK, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2024-5.98%-7.86%5.25%4.45%-2.40%
20231.97%1.93%-5.16%-11.61%-38.68%6.69%21.52%-4.62%5.38%3.93%18.55%14.97%-1.38%
20224.93%-1.07%1.38%-4.91%-4.18%4.57%-0.77%-3.52%-3.96%13.51%5.58%10.22%21.77%
2021-12.68%16.32%1.78%-1.14%6.50%4.31%6.40%2.73%1.28%-1.02%1.96%-3.13%22.86%
2020-16.30%-7.02%-19.47%-14.54%0.57%1.83%-6.34%2.72%-8.44%12.05%43.90%-6.94%-27.50%
20196.30%8.88%-5.21%5.15%-1.73%9.87%-9.75%3.27%6.60%0.10%5.92%4.74%37.42%
20182.64%-11.59%10.82%0.10%3.32%1.22%-2.00%-2.37%-5.50%-3.47%2.71%-14.09%-18.92%
20173.71%4.62%9.67%-4.58%-2.78%15.20%0.06%-3.54%17.25%-4.30%3.08%-3.57%36.91%
2016-0.93%-2.35%-0.21%3.26%1.42%1.19%4.54%3.03%-0.10%-1.19%8.92%11.42%32.00%
20150.22%2.35%0.38%0.16%-0.54%-0.04%-0.22%1.11%-5.05%9.77%-0.52%1.58%8.95%
20148.60%0.23%1.30%9.95%-0.71%-5.85%2.63%3.15%0.33%3.21%4.00%-0.86%28.08%
201312.64%7.39%1.73%5.02%5.26%4.71%6.36%-5.05%-5.00%6.07%3.95%4.34%57.19%

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

The current risk-adjusted rank of PEBK is 86, placing it in the top 14% of stocks on our website in terms of risk-adjusted performance. This ranking is based on the combined values of the indicators listed below.


The Risk-Adjusted Performance Rank of PEBK is 8686
PEBK (Peoples Bancorp of North Carolina, Inc.)
The Sharpe Ratio Rank of PEBK is 8989Sharpe Ratio Rank
The Sortino Ratio Rank of PEBK is 8484Sortino Ratio Rank
The Omega Ratio Rank of PEBK is 8888Omega Ratio Rank
The Calmar Ratio Rank of PEBK is 8282Calmar Ratio Rank
The Martin Ratio Rank of PEBK is 8686Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

Risk-Adjusted Performance Indicators

The charts below present risk-adjusted performance metrics for Peoples Bancorp of North Carolina, Inc. (PEBK) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.


PEBK
Sharpe ratio
The chart of Sharpe ratio for PEBK, currently valued at 1.79, compared to the broader market-2.00-1.000.001.002.003.004.001.79
Sortino ratio
The chart of Sortino ratio for PEBK, currently valued at 2.41, compared to the broader market-4.00-2.000.002.004.006.002.41
Omega ratio
The chart of Omega ratio for PEBK, currently valued at 1.37, compared to the broader market0.501.001.502.001.37
Calmar ratio
The chart of Calmar ratio for PEBK, currently valued at 1.10, compared to the broader market0.002.004.006.001.10
Martin ratio
The chart of Martin ratio for PEBK, currently valued at 6.97, compared to the broader market-200,000.00-150,000.00-100,000.00-50,000.000.006.97
^GSPC
Sharpe ratio
The chart of Sharpe ratio for ^GSPC, currently valued at 2.30, compared to the broader market-2.00-1.000.001.002.003.004.002.30
Sortino ratio
The chart of Sortino ratio for ^GSPC, currently valued at 3.26, compared to the broader market-4.00-2.000.002.004.006.003.26
Omega ratio
The chart of Omega ratio for ^GSPC, currently valued at 1.40, compared to the broader market0.501.001.502.001.40
Calmar ratio
The chart of Calmar ratio for ^GSPC, currently valued at 1.86, compared to the broader market0.002.004.006.001.86
Martin ratio
The chart of Martin ratio for ^GSPC, currently valued at 8.76, compared to the broader market-200,000.00-150,000.00-100,000.00-50,000.000.008.76

Sharpe Ratio

The current Peoples Bancorp of North Carolina, Inc. Sharpe ratio is 1.79. This value is calculated based on the past 1 year of trading data and takes into account price changes and dividends.

Use the chart below to compare the Sharpe ratio of Peoples Bancorp of North Carolina, Inc. with the selected benchmark, providing insights into the investment's historical performance in terms of risk-adjusted returns. Go to the Sharpe ratio tool for more fine-grained control over the calculation options.


Rolling 12-month Sharpe Ratio-1.000.001.002.003.00December2024FebruaryMarchAprilMay
1.79
2.30
PEBK (Peoples Bancorp of North Carolina, Inc.)
Benchmark (^GSPC)

Dividends

Dividend History

Peoples Bancorp of North Carolina, Inc. granted a 3.08% dividend yield in the last twelve months. The annual payout for that period amounted to $0.92 per share.


PeriodTTM20232022202120202019201820172016201520142013
Dividend$0.92$0.90$0.86$0.65$0.74$0.65$0.51$0.45$0.34$0.23$0.15$0.10

Dividend yield

3.08%2.92%2.65%2.36%3.21%1.97%2.08%1.46%1.48%1.29%0.89%0.75%

Monthly Dividends

The table displays the monthly dividend distributions for Peoples Bancorp of North Carolina, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2024$0.00$0.16$0.19$0.00$0.00$0.35
2023$0.00$0.15$0.19$0.00$0.00$0.19$0.00$0.00$0.19$0.00$0.00$0.19$0.90
2022$0.00$0.15$0.18$0.00$0.00$0.18$0.00$0.00$0.18$0.00$0.00$0.18$0.86
2021$0.00$0.00$0.16$0.00$0.00$0.16$0.00$0.00$0.17$0.00$0.00$0.17$0.65
2020$0.15$0.00$0.15$0.00$0.00$0.15$0.00$0.00$0.15$0.00$0.00$0.15$0.74
2019$0.00$0.10$0.14$0.00$0.14$0.00$0.00$0.14$0.00$0.00$0.00$0.14$0.65
2018$0.00$0.00$0.13$0.00$0.00$0.13$0.00$0.13$0.00$0.00$0.13$0.00$0.51
2017$0.00$0.00$0.11$0.00$0.11$0.00$0.00$0.11$0.00$0.00$0.00$0.12$0.45
2016$0.00$0.00$0.06$0.00$0.00$0.09$0.00$0.09$0.00$0.00$0.09$0.00$0.34
2015$0.00$0.05$0.00$0.00$0.00$0.05$0.00$0.00$0.06$0.00$0.00$0.06$0.23
2014$0.00$0.03$0.00$0.00$0.03$0.00$0.00$0.03$0.00$0.00$0.05$0.00$0.15
2013$0.02$0.00$0.00$0.02$0.00$0.00$0.02$0.00$0.00$0.02$0.00$0.10

Dividend Yield & Payout


Dividend Yield
5.0%10.0%15.0%3.1%
Peoples Bancorp of North Carolina, Inc. has a dividend yield of 3.08%, which is quite average when compared to the overall market.
Payout Ratio
20.0%40.0%60.0%80.0%100.0%120.0%24.8%
Peoples Bancorp of North Carolina, Inc. has a payout ratio of 24.83%, which is quite average when compared to the overall market. This suggests that Peoples Bancorp of North Carolina, Inc. strikes a balance between reinvesting profits for growth and paying dividends to shareholders.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way.


-25.00%-20.00%-15.00%-10.00%-5.00%0.00%December2024FebruaryMarchAprilMay
-9.15%
0
PEBK (Peoples Bancorp of North Carolina, Inc.)
Benchmark (^GSPC)

Worst Drawdowns

The table below displays the maximum drawdowns of the Peoples Bancorp of North Carolina, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Peoples Bancorp of North Carolina, Inc. was 76.41%, occurring on Dec 3, 2009. Recovery took 990 trading sessions.

The current Peoples Bancorp of North Carolina, Inc. drawdown is 9.15%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-76.41%Jul 5, 2007529Dec 3, 2009990Apr 28, 20141519
-56.45%Jan 2, 202093May 14, 2020639Dec 2, 2022732
-49.58%Mar 10, 202357May 31, 2023
-44.64%May 7, 1998322Mar 7, 2000721Dec 2, 20031043
-36.13%Oct 4, 2017308Dec 24, 2018256Dec 31, 2019564

Volatility

Volatility Chart

The current Peoples Bancorp of North Carolina, Inc. volatility is 6.53%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.


2.00%4.00%6.00%8.00%10.00%12.00%December2024FebruaryMarchAprilMay
6.53%
3.15%
PEBK (Peoples Bancorp of North Carolina, Inc.)
Benchmark (^GSPC)

Financials

Financial Performance

The chart below illustrates the trends in the financial health of Peoples Bancorp of North Carolina, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

Annual
Quarterly

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Income Statement


Income Statement
Balance Sheet
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Operating Expenses

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EBIT

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Earnings From Continuing Operations

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Net Income

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Income Tax Expense

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Interest Expense

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Other Non-Operating Income (Expenses)

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Extraordinary Items

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Discontinued Operations

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Minority Interest

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Other Items

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Values in undefined except per share items