FXNC vs. PEBK

Last updated Apr 2, 2026

Compare and contrast key facts about First National Corporation (FXNC) and Peoples Bancorp of North Carolina, Inc. (PEBK).

Performance

FXNC vs. PEBK - Performance Comparison

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

FXNC vs. PEBK - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
FXNC First National Corporation	8.28%	12.75%	10.32%	31.50%	-23.30%	39.42%	-18.82%	12.28%	8.87%	41.39%
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

Market Cap FXNC : $245.27M PEBK : $317.10M
EPS FXNC : $1.96 PEBK : $3.14
PE Ratio FXNC : 13.84 PEBK : 12.60
PEG Ratio FXNC : 0.71 PEBK : 6.12
PS Ratio FXNC : 2.74 PEBK : 2.38
PB Ratio FXNC : 1.32 PEBK : 2.02
Total Revenue (TTM) FXNC : $89.44M PEBK : $104.90M
Gross Profit (TTM) FXNC : $62.51M PEBK : $79.36M
EBITDA (TTM) FXNC : $24.03M PEBK : $27.97M

Returns By Period

In the year-to-date period, FXNC achieves a 8.28% return, which is significantly lower than PEBK's 10.25% return. Over the past 10 years, FXNC has outperformed PEBK with an annualized return of 14.47%, while PEBK has yielded a comparatively lower 11.88% annualized return.

FXNC

• 1D: 0.89%
• 1M: 1.34%
• YTD: 8.28%
• 6M: 22.43%
• 1Y: 25.69%
• 3Y*: 23.91%
• 5Y*: 11.74%
• 10Y*: 14.47%

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%

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

Return for Risk

FXNC vs. PEBK — Risk / Return Rank

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

FXNC

FXNC Risk / Return Rank: 69
FXNC Sharpe Ratio Rank: 72
FXNC Sortino Ratio Rank: 68
FXNC Omega Ratio Rank: 67
FXNC Calmar Ratio Rank: 69
FXNC Martin Ratio Rank: 69

PEBK

PEBK Risk / Return Rank: 83
PEBK Sharpe Ratio Rank: 84
PEBK Sortino Ratio Rank: 79
PEBK Omega Ratio Rank: 79
PEBK Calmar Ratio Rank: 89
PEBK Martin Ratio Rank: 86

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.

FXNC vs. PEBK - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for First National Corporation (FXNC) 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.

	FXNC	PEBK	Difference
Sharpe ratio Return per unit of total volatility	0.97	1.55	-0.58
Sortino ratio Return per unit of downside risk	1.57	2.10	-0.53
Omega ratio Gain probability vs. loss probability	1.21	1.29	-0.08
Calmar ratio Return relative to maximum drawdown	1.46	3.82	-2.37
Martin ratio Return relative to average drawdown	3.53	8.66	-5.12
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

FXNC vs. PEBK - Sharpe Ratio Comparison

The current FXNC Sharpe Ratio is 0.97, which is lower than the PEBK Sharpe Ratio of 1.55. The chart below compares the historical Sharpe Ratios of FXNC and PEBK, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	FXNC	PEBK	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.97	1.55	-0.58
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.47	0.53	-0.06
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.54	0.31	+0.23
Sharpe Ratio (All Time) Calculated using the full available price history	0.16	0.17	-0.01

Correlation

The correlation between FXNC and PEBK is 0.07, 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

FXNC vs. PEBK - Dividend Comparison

FXNC's dividend yield for the trailing twelve months is around 2.39%, less than PEBK's 2.48% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
FXNC First National Corporation	2.39%	2.52%	3.32%	2.76%	3.27%	2.09%	2.60%	1.68%	1.03%	0.78%	0.93%	1.12%
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

FXNC vs. PEBK - Drawdown Comparison

The maximum FXNC drawdown since its inception was -85.21%, roughly equal to the maximum PEBK drawdown of -84.20%. Use the drawdown chart below to compare losses from any high point for FXNC and PEBK.

Drawdown Indicators

	FXNC	PEBK	Difference
Max Drawdown Largest peak-to-trough decline	-85.21%	-84.20%	-1.01%
Max Drawdown (1Y) Largest decline over 1 year	-16.37%	-12.94%	-3.43%
Max Drawdown (5Y) Largest decline over 5 years	-39.91%	-49.58%	+9.67%
Max Drawdown (10Y) Largest decline over 10 years	-42.61%	-56.44%	+13.83%
Current Drawdown Current decline from peak	-4.44%	-0.63%	-3.81%
Average Drawdown Average peak-to-trough decline	-31.87%	-27.91%	-3.96%
Ulcer Index Depth and duration of drawdowns from previous peaks	6.89%	5.71%	+1.18%

Volatility

FXNC vs. PEBK - Volatility Comparison

First National Corporation (FXNC) and Peoples Bancorp of North Carolina, Inc. (PEBK) have volatilities of 5.55% and 5.61%, 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.

Volatility by Period

	FXNC	PEBK	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.55%	5.61%	-0.06%
Volatility (6M) Calculated over the trailing 6-month period	15.66%	19.88%	-4.22%
Volatility (1Y) Calculated over the trailing 1-year period	26.60%	33.19%	-6.59%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	25.24%	27.34%	-2.10%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	26.89%	37.84%	-10.95%

Financials