FISI vs. PEBK
Compare and contrast key facts about Financial Institutions, Inc. (FISI) and Peoples Bancorp of North Carolina, Inc. (PEBK).
Performance
FISI vs. PEBK - Performance Comparison
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FISI vs. PEBK - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FISI Financial Institutions, Inc. | 4.05% | 19.47% | 35.54% | -6.75% | -19.99% | 46.37% | -26.01% | 29.19% | -14.77% | -6.52% |
PEBK Peoples Bancorp of North Carolina, Inc. | 10.25% | 19.74% | 4.25% | -1.35% | 21.80% | 22.91% | -27.46% | 37.48% | -18.89% | 36.86% |
Fundamentals
FISI:
-$1.37
PEBK:
$3.14
FISI:
2.44
PEBK:
2.38
FISI:
$266.69M
PEBK:
$104.90M
FISI:
$114.52M
PEBK:
$79.36M
FISI:
-$40.26M
PEBK:
$27.97M
Returns By Period
In the year-to-date period, FISI achieves a 4.05% return, which is significantly lower than PEBK's 10.25% return. Over the past 10 years, FISI has underperformed PEBK with an annualized return of 5.34%, while PEBK has yielded a comparatively higher 11.88% annualized return.
FISI
- 1D
- 1.20%
- 1M
- 1.70%
- YTD
- 4.05%
- 6M
- 20.78%
- 1Y
- 34.95%
- 3Y*
- 25.08%
- 5Y*
- 6.38%
- 10Y*
- 5.34%
PEBK
- 1D
- 0.89%
- 1M
- 3.22%
- YTD
- 10.25%
- 6M
- 33.42%
- 1Y
- 51.07%
- 3Y*
- 11.26%
- 5Y*
- 14.36%
- 10Y*
- 11.88%
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Return for Risk
FISI vs. PEBK — Risk / Return Rank
FISI
PEBK
FISI vs. PEBK - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Financial Institutions, Inc. (FISI) 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.
| FISI | PEBK | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.16 | 1.55 | -0.39 |
Sortino ratioReturn per unit of downside risk | 1.75 | 2.10 | -0.35 |
Omega ratioGain probability vs. loss probability | 1.24 | 1.29 | -0.05 |
Calmar ratioReturn relative to maximum drawdown | 2.23 | 3.82 | -1.60 |
Martin ratioReturn relative to average drawdown | 6.01 | 8.66 | -2.65 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| FISI | PEBK | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.16 | 1.55 | -0.39 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.20 | 0.53 | -0.33 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.15 | 0.31 | -0.17 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.15 | 0.17 | -0.02 |
Correlation
The correlation between FISI and PEBK is 0.14, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.
Dividends
FISI vs. PEBK - Dividend Comparison
FISI's dividend yield for the trailing twelve months is around 3.90%, more than PEBK's 2.48% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FISI Financial Institutions, Inc. | 3.90% | 3.98% | 4.40% | 5.63% | 4.76% | 3.40% | 4.62% | 3.12% | 3.74% | 2.73% | 2.37% | 2.86% |
PEBK Peoples Bancorp of North Carolina, Inc. | 2.48% | 2.65% | 2.94% | 2.94% | 2.67% | 2.39% | 3.26% | 2.01% | 2.13% | 1.46% | 1.52% | 1.45% |
Drawdowns
FISI vs. PEBK - Drawdown Comparison
The maximum FISI drawdown since its inception was -89.98%, which is greater than PEBK's maximum drawdown of -84.20%. Use the drawdown chart below to compare losses from any high point for FISI and PEBK.
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Drawdown Indicators
| FISI | PEBK | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -89.98% | -84.20% | -5.78% |
Max Drawdown (1Y)Largest decline over 1 year | -15.40% | -12.94% | -2.46% |
Max Drawdown (5Y)Largest decline over 5 years | -52.44% | -49.58% | -2.86% |
Max Drawdown (10Y)Largest decline over 10 years | -56.38% | -56.44% | +0.06% |
Current DrawdownCurrent decline from peak | -7.71% | -0.63% | -7.08% |
Average DrawdownAverage peak-to-trough decline | -26.54% | -27.91% | +1.37% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.71% | 5.71% | 0.00% |
Volatility
FISI vs. PEBK - Volatility Comparison
The current volatility for Financial Institutions, Inc. (FISI) is 4.93%, while Peoples Bancorp of North Carolina, Inc. (PEBK) has a volatility of 5.61%. This indicates that FISI experiences smaller price fluctuations and is considered to be less risky than PEBK based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FISI | PEBK | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.93% | 5.61% | -0.68% |
Volatility (6M)Calculated over the trailing 6-month period | 20.12% | 19.88% | +0.24% |
Volatility (1Y)Calculated over the trailing 1-year period | 30.31% | 33.19% | -2.88% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 31.99% | 27.34% | +4.65% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 36.03% | 37.84% | -1.81% |
Financials
FISI vs. PEBK - Financials Comparison
This section allows you to compare key financial metrics between Financial Institutions, Inc. and Peoples Bancorp of North Carolina, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
FISI vs. PEBK - Profitability Comparison
FISI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Financial Institutions, Inc. reported a gross profit of 60.75M and revenue of 96.26M. Therefore, the gross margin over that period was 63.1%.
PEBK - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Peoples Bancorp of North Carolina, Inc. reported a gross profit of 24.64M and revenue of 31.15M. Therefore, the gross margin over that period was 79.1%.
FISI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Financial Institutions, Inc. reported an operating income of 25.24M and revenue of 96.26M, resulting in an operating margin of 26.2%.
PEBK - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Peoples Bancorp of North Carolina, Inc. reported an operating income of 8.76M and revenue of 31.15M, resulting in an operating margin of 28.1%.
FISI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Financial Institutions, Inc. reported a net income of 20.48M and revenue of 96.26M, resulting in a net margin of 21.3%.
PEBK - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Peoples Bancorp of North Carolina, Inc. reported a net income of 6.63M and revenue of 31.15M, resulting in a net margin of 21.3%.