PEBK vs. FXNC

Last updated Apr 2, 2026

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

Performance

PEBK vs. FXNC - Performance Comparison

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

PEBK vs. FXNC - Yearly Performance Comparison

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

Fundamentals

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

Returns By Period

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

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%

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%

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

Return for Risk

PEBK vs. FXNC — Risk / Return Rank

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

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

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

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. 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.

	PEBK	FXNC	Difference
Sharpe ratio Return per unit of total volatility	1.55	0.97	+0.58
Sortino ratio Return per unit of downside risk	2.10	1.57	+0.53
Omega ratio Gain probability vs. loss probability	1.29	1.21	+0.08
Calmar ratio Return relative to maximum drawdown	3.82	1.46	+2.37
Martin ratio Return relative to average drawdown	8.66	3.53	+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.

PEBK vs. FXNC - Sharpe Ratio Comparison

The current PEBK Sharpe Ratio is 1.55, which is higher than the FXNC Sharpe Ratio of 0.97. The chart below compares the historical Sharpe Ratios of PEBK and FXNC, 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

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

Correlation

The correlation between PEBK and FXNC 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

PEBK vs. FXNC - Dividend Comparison

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

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
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%
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%

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.

Drawdown Indicators

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

Volatility

PEBK vs. FXNC - Volatility Comparison

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

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

Financials