EMN vs. PEBK

Last updated Jun 4, 2026

EMN (Eastman Chemical Company) and PEBK (Peoples Bancorp of North Carolina, Inc.) are both stocks. EMN operates in Chemicals (Basic Materials), while PEBK operates in Banks - Regional (Financial Services). Over the past 10 years, EMN returned 3.64%/yr vs 11.99%/yr for PEBK. At a 0.11 correlation, their price movements are largely independent.

Performance

EMN vs. PEBK - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Eastman Chemical Company (EMN) and Peoples Bancorp of North Carolina, Inc. (PEBK). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, EMN achieves a 18.65% return, which is significantly higher than PEBK's 15.35% return. Over the past 10 years, EMN has underperformed PEBK with an annualized return of 3.64%, while PEBK has yielded a comparatively higher 11.99% annualized return.

EMN

• 1D: -2.40%
• 1M: -2.46%
• YTD: 18.65%
• 6M: 24.61%
• 1Y: -2.43%
• 3Y*: 0.70%
• 5Y*: -7.06%
• 10Y*: 3.64%

PEBK

• 1D: -1.95%
• 1M: 4.33%
• YTD: 15.35%
• 6M: 26.03%
• 1Y: 52.27%
• 3Y*: 35.17%
• 5Y*: 13.65%
• 10Y*: 11.99%

*Multi-year figures are annualized to reflect compound growth (CAGR)

EMN vs. PEBK - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
EMN Eastman Chemical Company	18.65%	-26.87%	5.11%	14.66%	-30.38%	23.54%	31.78%	12.01%	-19.10%	26.28%
PEBK Peoples Bancorp of North Carolina, Inc.	15.35%	19.74%	4.25%	-1.35%	21.80%	22.91%	-27.46%	37.48%	-18.89%	36.86%

Correlation

The correlation between EMN and PEBK is 0.37, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.37
Correlation (3Y) Calculated over the trailing 3-year period	0.31
Correlation (5Y) Calculated over the trailing 5-year period	0.28
Correlation (10Y) Calculated over the trailing 10-year period	0.28
Correlation (All Time) Calculated using the full available price history since Aug 21, 1995	0.11

Over the past year, EMN and PEBK have become more correlated (0.37) than their long-term average of 0.11, meaning their price movements have been converging.

Fundamentals

EPS EMN : $4.61 PEBK : $4.19
PE Ratio EMN : 16.25 PEBK : 9.81
PS Ratio EMN : 0.75 PEBK : 1.91
Total Revenue (TTM) EMN : $8.64B PEBK : $101.93M
Gross Profit (TTM) EMN : $1.71B PEBK : $61.81M
EBITDA (TTM) EMN : $1.06B PEBK : $22.28M

Return for Risk

EMN vs. PEBK — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

EMN

EMN Risk / Return Rank: 36
EMN Sharpe Ratio Rank: 38
EMN Sortino Ratio Rank: 34
EMN Omega Ratio Rank: 34
EMN Calmar Ratio Rank: 37
EMN Martin Ratio Rank: 37

PEBK

PEBK Risk / Return Rank: 85
PEBK Sharpe Ratio Rank: 85
PEBK Sortino Ratio Rank: 81
PEBK Omega Ratio Rank: 81
PEBK Calmar Ratio Rank: 87
PEBK Martin Ratio Rank: 87

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

EMN vs. PEBK - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Eastman Chemical Company (EMN) and Peoples Bancorp of North Carolina, Inc. (PEBK). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	EMN	PEBK	Difference
Sharpe ratio Return per unit of total volatility	-0.06	1.80	-1.86
Sortino ratio Return per unit of downside risk	0.18	2.42	-2.23
Omega ratio Gain probability vs. loss probability	1.02	1.32	-0.30
Calmar ratio Return relative to maximum drawdown	-0.08	4.06	-4.14
Martin ratio Return relative to average drawdown	-0.15	10.34	-10.49
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

EMN vs. PEBK - Sharpe Ratio Comparison

The current EMN Sharpe Ratio is -0.06, which is lower than the PEBK Sharpe Ratio of 1.80. The chart below compares the historical Sharpe Ratios of EMN and PEBK, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	EMN	PEBK	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.06	1.80	-1.86
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.22	0.50	-0.72
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.11	0.32	-0.20
Sharpe Ratio (All Time) Calculated using the full available price history	0.23	0.17	+0.05

Drawdowns

EMN vs. PEBK - Drawdown Comparison

The maximum EMN drawdown since its inception was -76.11%, smaller than the maximum PEBK drawdown of -84.20%. Use the drawdown chart below to compare losses from any high point for EMN and PEBK.

Drawdown Indicators

	EMN	PEBK	Difference
Max Drawdown Largest peak-to-trough decline	-76.11%	-84.20%	+8.09%
Max Drawdown (1Y) Largest decline over 1 year	-30.02%	-12.94%	-17.08%
Max Drawdown (3Y) Largest decline over 3 years	-48.40%	-25.20%	-23.20%
Max Drawdown (5Y) Largest decline over 5 years	-49.35%	-49.58%	+0.23%
Max Drawdown (10Y) Largest decline over 10 years	-62.74%	-56.44%	-6.30%
Current Drawdown Current decline from peak	-31.06%	-2.88%	-28.18%
Average Drawdown Average peak-to-trough decline	-19.13%	-27.77%	+8.64%
Ulcer Index Depth and duration of drawdowns from previous peaks	15.94%	5.07%	+10.87%

Volatility

EMN vs. PEBK - Volatility Comparison

Eastman Chemical Company (EMN) has a higher volatility of 8.98% compared to Peoples Bancorp of North Carolina, Inc. (PEBK) at 6.80%. This indicates that EMN's price experiences larger fluctuations and is considered to be riskier than PEBK based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	EMN	PEBK	Difference
Volatility (1M) Calculated over the trailing 1-month period	8.98%	6.80%	+2.18%
Volatility (6M) Calculated over the trailing 6-month period	23.67%	15.94%	+7.73%
Volatility (1Y) Calculated over the trailing 1-year period	38.62%	29.26%	+9.36%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	32.11%	27.26%	+4.85%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	31.82%	37.89%	-6.07%

Dividends

EMN vs. PEBK - Dividend Comparison

EMN's dividend yield for the trailing twelve months is around 4.46%, more than PEBK's 2.41% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
EMN Eastman Chemical Company	4.46%	5.22%	3.57%	3.54%	3.77%	2.34%	2.66%	3.18%	3.15%	2.26%	2.51%	2.46%
PEBK Peoples Bancorp of North Carolina, Inc.	2.41%	2.65%	2.94%	2.94%	2.67%	2.39%	3.26%	2.01%	2.13%	1.46%	1.52%	1.45%

Financials

EMN vs. PEBK - Profitability Comparison

The chart below illustrates the profitability comparison between Eastman Chemical Company and Peoples Bancorp of North Carolina, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

EMN - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Eastman Chemical Company reported a gross profit of 431.00M and revenue of 2.18B. Therefore, the gross margin over that period was 19.8%.

PEBK - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Peoples Bancorp of North Carolina, Inc. reported a gross profit of 0.00 and revenue of 20.88M. Therefore, the gross margin over that period was 0.0%.

EMN - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Eastman Chemical Company reported an operating income of 193.00M and revenue of 2.18B, resulting in an operating margin of 8.9%.

PEBK - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Peoples Bancorp of North Carolina, Inc. reported an operating income of 0.00 and revenue of 20.88M, resulting in an operating margin of 0.0%.

EMN - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Eastman Chemical Company reported a net income of 107.00M and revenue of 2.18B, resulting in a net margin of 4.9%.

PEBK - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Peoples Bancorp of North Carolina, Inc. reported a net income of 4.40M and revenue of 20.88M, resulting in a net margin of 21.1%.

Frequently Asked Questions

Can I hold both EMN and PEBK in my portfolio?

EMN and PEBK have a correlation of 0.37, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, EMN or PEBK?

EMN has higher volatility (8.98%) compared to PEBK (6.80%). In terms of maximum drawdown, EMN dropped -76.11% vs PEBK's -84.20%.

Which has better risk-adjusted returns?

PEBK currently has the higher Sharpe Ratio (1.80 vs -0.06), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.