PEBK vs. FXNC
PEBK (Peoples Bancorp of North Carolina, Inc.) and FXNC (First National Corporation) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, PEBK returned 11.67%/yr vs 14.68%/yr for FXNC. Their 0.08 correlation means their historical movements had little consistent relationship.
Performance
PEBK vs. FXNC - Performance Comparison
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Returns By Period
In the year-to-date period, PEBK achieves a 20.59% return, which is significantly lower than FXNC's 27.35% return. Over the past 10 years, PEBK has underperformed FXNC with an annualized return of 11.67%, while FXNC has yielded a comparatively higher 14.68% annualized return.
PEBK
- 1D
- 0.00%
- 1M
- -0.81%
- 6M
- 19.18%
- YTD
- 20.59%
- 1Y
- 58.68%
- 3Y*
- 29.97%
- 5Y*
- 12.97%
- 10Y*
- 11.67%
- ALL TIME*
- 7.14%
FXNC
- 1D
- 0.35%
- 1M
- 5.69%
- 6M
- 21.99%
- YTD
- 27.35%
- 1Y
- 53.92%
- 3Y*
- 27.79%
- 5Y*
- 11.81%
- 10Y*
- 14.68%
- ALL TIME*
- 6.36%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $996.25K | $1.06M | $2.01M | |
| $1.93M | $1.45M | $1.50M |
PEBK vs. FXNC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PEBK Peoples Bancorp of North Carolina, Inc. | 20.59% | 19.74% | 4.25% | -1.35% | 21.80% | 22.91% | -27.46% | 37.48% | -18.89% | 36.86% |
FXNC First National Corporation | 27.35% | 12.75% | 10.32% | 31.50% | -23.30% | 39.42% | -18.82% | 12.28% | 8.87% | 41.39% |
Correlation
The correlation between PEBK and FXNC is 0.65, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.65 |
Correlation (3Y) Balances recent behavior with more history. | 0.38 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.31 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.19 |
Correlation (All Time) Calculated using the full available price history since Jan 2, 2001 | 0.08 |
Over the past year, PEBK and FXNC have become more correlated (0.65) than their long-term average of 0.08, meaning their price movements have been converging.
Fundamentals
PEBK:
$234.84M
FXNC:
$287.05M
PEBK:
$4.20
FXNC:
$2.40
PEBK:
10.23
FXNC:
13.24
PEBK:
4.97
FXNC:
0.84
PEBK:
1.85
FXNC:
2.44
PEBK:
$110.13M
FXNC:
$117.40M
PEBK:
$84.13M
FXNC:
$91.01M
PEBK:
$28.60M
FXNC:
$30.37M
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Return for Risk
PEBK vs. FXNC — Risk / Return Rank
PEBK
FXNC
PEBK vs. FXNC - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Peoples Bancorp of North Carolina, Inc. (PEBK) and First National Corporation (FXNC). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| PEBK | FXNC | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.22 | ||
| Sortino ratioReturn per unit of downside risk | -0.52 | ||
| Omega ratioGain probability vs. loss probability | 1.34 | 1.39 | -0.04 |
| Calmar ratioReturn relative to maximum drawdown | 4.19 | 4.90 | -0.71 |
| Martin ratioReturn relative to average drawdown | 12.65 | 11.42 | +1.24 |
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Drawdowns
PEBK vs. FXNC - Drawdown Comparison
The maximum PEBK drawdown since its inception was -84.20%, roughly equal to the maximum FXNC drawdown of -85.21%. Use the drawdown chart below to compare losses from any high point for PEBK and FXNC.
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Drawdown Indicators
| PEBK | FXNC | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -84.20% | -85.21% | +1.01% |
Max Drawdown (1Y)Largest decline over 1 year | -12.94% | -10.42% | -2.52% |
Max Drawdown (3Y)Largest decline over 3 years | -25.20% | -31.57% | +6.37% |
Max Drawdown (5Y)Largest decline over 5 years | -49.58% | -39.91% | -9.67% |
Max Drawdown (10Y)Largest decline over 10 years | -56.44% | -42.61% | -13.83% |
Current DrawdownCurrent decline from peak | -3.09% | 0.00% | -3.09% |
Average DrawdownAverage peak-to-trough decline | -27.64% | -31.50% | +3.86% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.29% | 4.48% | -0.19% |
Volatility
PEBK vs. FXNC - Volatility Comparison
The current volatility for Peoples Bancorp of North Carolina, Inc. (PEBK) is 6.16%, while First National Corporation (FXNC) has a volatility of 8.01%. This indicates that PEBK experiences smaller price fluctuations and is considered to be less risky than FXNC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PEBK | FXNC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.16% | 8.01% | -1.85% |
Volatility (6M)Calculated over the trailing 6-month period | 16.05% | 17.55% | -1.50% |
Volatility (1Y)Calculated over the trailing 1-year period | 27.45% | 23.30% | +4.15% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 27.36% | 25.06% | +2.30% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 37.93% | 27.22% | +10.71% |
Dividends
PEBK vs. FXNC - Dividend Comparison
PEBK's dividend yield for the trailing twelve months is around 2.30%, more than FXNC's 2.09% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FXNC First National Corporation | 2.09% | 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. | 2.30% | 2.65% | 2.94% | 2.94% | 2.67% | 2.39% | 3.26% | 2.01% | 2.13% | 1.46% | 1.52% | 1.45% |
Financials
PEBK vs. FXNC - Financials Comparison
This section allows you to compare key financial metrics between Peoples Bancorp of North Carolina, Inc. and First National Corporation. 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
PEBK vs. FXNC - Profitability Comparison
PEBK - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Peoples Bancorp of North Carolina, Inc. reported a gross profit of 20.43M and revenue of 26.76M. Therefore, the gross margin over that period was 76.3%.
FXNC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, First National Corporation reported a gross profit of 23.57M and revenue of 29.65M. Therefore, the gross margin over that period was 79.5%.
PEBK - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Peoples Bancorp of North Carolina, Inc. reported an operating income of 6.73M and revenue of 26.76M, resulting in an operating margin of 25.2%.
FXNC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, First National Corporation reported an operating income of 7.14M and revenue of 29.65M, resulting in an operating margin of 24.1%.
PEBK - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Peoples Bancorp of North Carolina, Inc. reported a net income of 5.23M and revenue of 26.76M, resulting in a net margin of 19.6%.
FXNC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, First National Corporation reported a net income of 5.74M and revenue of 29.65M, resulting in a net margin of 19.4%.
Frequently Asked Questions
PEBK and FXNC 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.
FXNC has higher volatility (8.01%) compared to PEBK (6.16%). In terms of maximum drawdown, PEBK dropped -84.20% vs FXNC's -85.21%.
FXNC currently has the higher Sharpe Ratio (2.19 vs 1.98), 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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