FISI vs. PEBK
FISI (Financial Institutions, Inc.) and PEBK (Peoples Bancorp of North Carolina, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, FISI returned 6.66%/yr vs 11.99%/yr for PEBK. At a 0.15 correlation, their price movements are largely independent.
Performance
FISI vs. PEBK - Performance Comparison
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Returns By Period
The year-to-date returns for both investments are quite close, with FISI having a 15.01% return and PEBK slightly higher at 15.35%. Over the past 10 years, FISI has underperformed PEBK with an annualized return of 6.66%, while PEBK has yielded a comparatively higher 11.99% annualized return.
FISI
- 1D
- -2.72%
- 1M
- 4.57%
- YTD
- 15.01%
- 6M
- 15.77%
- 1Y
- 43.11%
- 3Y*
- 36.11%
- 5Y*
- 7.20%
- 10Y*
- 6.66%
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%
FISI vs. PEBK - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FISI Financial Institutions, Inc. | 15.01% | 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. | 15.35% | 19.74% | 4.25% | -1.35% | 21.80% | 22.91% | -27.46% | 37.48% | -18.89% | 36.86% |
Correlation
The correlation between FISI and PEBK is 0.65, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.65 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.47 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.37 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.35 |
Correlation (All Time) Calculated using the full available price history since Jun 28, 1999 | 0.15 |
Over the past year, FISI and PEBK have become more correlated (0.65) than their long-term average of 0.15, meaning their price movements have been converging.
Fundamentals
FISI:
$3.91
PEBK:
$4.19
FISI:
9.08
PEBK:
9.81
FISI:
0.42
PEBK:
4.77
FISI:
1.90
PEBK:
1.91
FISI:
$378.23M
PEBK:
$101.93M
FISI:
$240.77M
PEBK:
$61.81M
FISI:
$99.45M
PEBK:
$22.28M
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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 | -0.16 | ||
| Sortino ratioReturn per unit of downside risk | +0.08 | ||
| Omega ratioGain probability vs. loss probability | 1.30 | 1.32 | -0.02 |
| Calmar ratioReturn relative to maximum drawdown | 3.16 | 4.06 | -0.90 |
| Martin ratioReturn relative to average drawdown | 9.14 | 10.34 | -1.19 |
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 | 1.63 | 1.80 | -0.16 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.23 | 0.50 | -0.28 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.19 | 0.32 | -0.13 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.16 | 0.17 | -0.02 |
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 | -13.72% | -12.94% | -0.78% |
Max Drawdown (3Y)Largest decline over 3 years | -27.83% | -25.20% | -2.63% |
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 | -2.72% | -2.88% | +0.16% |
Average DrawdownAverage peak-to-trough decline | -26.39% | -27.77% | +1.38% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.73% | 5.07% | -0.34% |
Volatility
FISI vs. PEBK - Volatility Comparison
Financial Institutions, Inc. (FISI) and Peoples Bancorp of North Carolina, Inc. (PEBK) have volatilities of 6.76% and 6.80%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. 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 | 6.76% | 6.80% | -0.04% |
Volatility (6M)Calculated over the trailing 6-month period | 17.53% | 15.94% | +1.59% |
Volatility (1Y)Calculated over the trailing 1-year period | 26.53% | 29.26% | -2.73% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 31.82% | 27.26% | +4.56% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 36.06% | 37.89% | -1.83% |
Dividends
FISI vs. PEBK - Dividend Comparison
FISI's dividend yield for the trailing twelve months is around 3.52%, more than PEBK's 2.41% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FISI Financial Institutions, Inc. | 3.52% | 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. | 2.41% | 2.65% | 2.94% | 2.94% | 2.67% | 2.39% | 3.26% | 2.01% | 2.13% | 1.46% | 1.52% | 1.45% |
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 Jun 2026, Financial Institutions, Inc. reported a gross profit of 62.67M and revenue of 92.24M. Therefore, the gross margin over that period was 67.9%.
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%.
FISI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Financial Institutions, Inc. reported an operating income of 24.83M and revenue of 92.24M, resulting in an operating margin of 26.9%.
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%.
FISI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Financial Institutions, Inc. reported a net income of 20.99M and revenue of 92.24M, resulting in a net margin of 22.8%.
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
FISI and PEBK have a correlation of 0.65, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
PEBK has higher volatility (6.80%) compared to FISI (6.76%). In terms of maximum drawdown, FISI dropped -89.98% vs PEBK's -84.20%.
PEBK currently has the higher Sharpe Ratio (1.80 vs 1.63), 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.
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