PEBK vs. AUBN

Last updated Jun 3, 2026

PEBK (Peoples Bancorp of North Carolina, Inc.) and AUBN (Auburn National Bancorporation, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, PEBK returned 12.21%/yr vs 1.92%/yr for AUBN. At a 0.06 correlation, their price movements are largely independent.

Performance

PEBK vs. AUBN - Performance Comparison

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

Returns By Period

In the year-to-date period, PEBK achieves a 17.65% return, which is significantly higher than AUBN's -4.32% return. Over the past 10 years, PEBK has outperformed AUBN with an annualized return of 12.21%, while AUBN has yielded a comparatively lower 1.92% annualized return.

PEBK

• 1D: 1.57%
• 1M: 4.93%
• YTD: 17.65%
• 6M: 33.17%
• 1Y: 56.95%
• 3Y*: 36.07%
• 5Y*: 13.95%
• 10Y*: 12.21%

AUBN

• 1D: 0.08%
• 1M: 8.28%
• YTD: -4.32%
• 6M: 3.87%
• 1Y: 28.49%
• 3Y*: 9.47%
• 5Y*: -3.72%
• 10Y*: 1.92%

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

PEBK vs. AUBN - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
PEBK Peoples Bancorp of North Carolina, Inc.	17.65%	19.74%	4.25%	-1.35%	21.80%	22.91%	-27.46%	37.48%	-18.89%	36.86%
AUBN Auburn National Bancorporation, Inc.	-4.32%	20.17%	16.32%	-2.81%	-25.99%	-20.35%	-19.63%	71.98%	-16.65%	27.56%

Correlation

The correlation between PEBK and AUBN is 0.04, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.04
Correlation (3Y) Calculated over the trailing 3-year period	-0.00
Correlation (5Y) Calculated over the trailing 5-year period	0.04
Correlation (10Y) Calculated over the trailing 10-year period	0.11
Correlation (All Time) Calculated using the full available price history since Sep 12, 1995	0.06

The correlation between PEBK and AUBN shifts across timeframes, from -0.00 (3 years) to 0.11 (10 years), reflecting how their relationship changes across market environments.

Fundamentals

EPS PEBK : $4.19 AUBN : $2.27
PE Ratio PEBK : 10.05 AUBN : 11.25
PEG Ratio PEBK : 4.89 AUBN : 0.14
PS Ratio PEBK : 1.96 AUBN : 2.27
Total Revenue (TTM) PEBK : $101.93M AUBN : $39.23M
Gross Profit (TTM) PEBK : $61.81M AUBN : $33.06M
EBITDA (TTM) PEBK : $22.28M AUBN : $10.60M

Return for Risk

PEBK vs. AUBN — Risk / Return Rank

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

PEBK

PEBK Risk / Return Rank: 86
PEBK Sharpe Ratio Rank: 87
PEBK Sortino Ratio Rank: 83
PEBK Omega Ratio Rank: 83
PEBK Calmar Ratio Rank: 89
PEBK Martin Ratio Rank: 89

AUBN

AUBN Risk / Return Rank: 61
AUBN Sharpe Ratio Rank: 62
AUBN Sortino Ratio Rank: 57
AUBN Omega Ratio Rank: 59
AUBN Calmar Ratio Rank: 62
AUBN Martin Ratio Rank: 63

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.

PEBK vs. AUBN - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Peoples Bancorp of North Carolina, Inc. (PEBK) and Auburn National Bancorporation, Inc. (AUBN). 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.

	PEBK	AUBN	Difference
Sharpe ratio Return per unit of total volatility	1.96	0.66	+1.30
Sortino ratio Return per unit of downside risk	2.59	1.15	+1.44
Omega ratio Gain probability vs. loss probability	1.35	1.16	+0.18
Calmar ratio Return relative to maximum drawdown	4.47	1.11	+3.36
Martin ratio Return relative to average drawdown	11.40	2.61	+8.79
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

PEBK vs. AUBN - Sharpe Ratio Comparison

The current PEBK Sharpe Ratio is 1.96, which is higher than the AUBN Sharpe Ratio of 0.66. The chart below compares the historical Sharpe Ratios of PEBK and AUBN, 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

	PEBK	AUBN	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.96	0.66	+1.30
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.51	-0.11	+0.63
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.32	0.05	+0.27
Sharpe Ratio (All Time) Calculated using the full available price history	0.18	0.11	+0.07

Drawdowns

PEBK vs. AUBN - Drawdown Comparison

The maximum PEBK drawdown since its inception was -84.20%, roughly equal to the maximum AUBN drawdown of -83.53%. Use the drawdown chart below to compare losses from any high point for PEBK and AUBN.

Drawdown Indicators

	PEBK	AUBN	Difference
Max Drawdown Largest peak-to-trough decline	-84.20%	-83.53%	-0.67%
Max Drawdown (1Y) Largest decline over 1 year	-12.94%	-24.48%	+11.54%
Max Drawdown (3Y) Largest decline over 3 years	-25.20%	-24.48%	-0.72%
Max Drawdown (5Y) Largest decline over 5 years	-49.58%	-50.08%	+0.50%
Max Drawdown (10Y) Largest decline over 10 years	-56.44%	-69.42%	+12.98%
Current Drawdown Current decline from peak	-0.94%	-48.99%	+48.05%
Average Drawdown Average peak-to-trough decline	-27.77%	-44.14%	+16.37%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.07%	10.42%	-5.35%

Volatility

PEBK vs. AUBN - Volatility Comparison

Peoples Bancorp of North Carolina, Inc. (PEBK) has a higher volatility of 6.63% compared to Auburn National Bancorporation, Inc. (AUBN) at 5.17%. This indicates that PEBK's price experiences larger fluctuations and is considered to be riskier than AUBN based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	PEBK	AUBN	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.63%	5.17%	+1.46%
Volatility (6M) Calculated over the trailing 6-month period	15.81%	31.05%	-15.24%
Volatility (1Y) Calculated over the trailing 1-year period	29.19%	43.55%	-14.36%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	27.25%	32.71%	-5.46%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	37.89%	38.70%	-0.81%

Dividends

PEBK vs. AUBN - Dividend Comparison

PEBK's dividend yield for the trailing twelve months is around 2.32%, less than AUBN's 4.24% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
AUBN Auburn National Bancorporation, Inc.	4.24%	4.01%	4.60%	5.08%	4.61%	3.22%	2.45%	1.89%	3.03%	2.37%	2.87%	2.97%
PEBK Peoples Bancorp of North Carolina, Inc.	1.85%	2.65%	2.94%	2.94%	2.67%	2.39%	3.26%	2.01%	2.13%	1.46%	1.52%	1.45%

Financials

Frequently Asked Questions

Can I hold both PEBK and AUBN in my portfolio?

PEBK and AUBN have a correlation of 0.04, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, PEBK or AUBN?

PEBK has higher volatility (6.63%) compared to AUBN (5.17%). In terms of maximum drawdown, PEBK dropped -84.20% vs AUBN's -83.53%.

Which has better risk-adjusted returns?

PEBK currently has the higher Sharpe Ratio (1.96 vs 0.66), 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.