PEBK vs. IP
PEBK (Peoples Bancorp of North Carolina, Inc.) and IP (International Paper Company) are both stocks. PEBK operates in Banks - Regional (Financial Services), while IP operates in Packaging & Containers (Consumer Cyclical). Over the past 10 years, PEBK returned 12.45%/yr vs 3.78%/yr for IP. At a 0.11 correlation, their price movements are largely independent.
Performance
PEBK vs. IP - Performance Comparison
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Returns By Period
In the year-to-date period, PEBK achieves a 20.31% return, which is significantly higher than IP's -4.00% return. Over the past 10 years, PEBK has outperformed IP with an annualized return of 12.45%, while IP has yielded a comparatively lower 3.78% annualized return.
PEBK
- 1D
- 1.07%
- 1M
- 2.53%
- YTD
- 20.31%
- 6M
- 16.26%
- 1Y
- 58.42%
- 3Y*
- 38.25%
- 5Y*
- 15.11%
- 10Y*
- 12.45%
IP
- 1D
- 0.19%
- 1M
- 17.90%
- YTD
- -4.00%
- 6M
- -3.76%
- 1Y
- -15.66%
- 3Y*
- 11.31%
- 5Y*
- -4.36%
- 10Y*
- 3.78%
PEBK vs. IP - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PEBK Peoples Bancorp of North Carolina, Inc. | 20.31% | 19.74% | 4.25% | -1.35% | 21.80% | 22.91% | -27.46% | 37.48% | -18.89% | 36.86% |
IP International Paper Company | -4.00% | -23.83% | 55.31% | 10.20% | -23.05% | 3.48% | 13.83% | 19.47% | -27.72% | 13.13% |
Correlation
The correlation between PEBK and IP is 0.33, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.33 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.26 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.23 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.24 |
Correlation (All Time) Calculated using the full available price history since Aug 18, 1995 | 0.11 |
Over the past year, PEBK and IP have become more correlated (0.33) than their long-term average of 0.11, meaning their price movements have been converging.
Fundamentals
PEBK:
$4.19
IP:
-$6.29
PEBK:
2.00
IP:
0.78
PEBK:
$101.93M
IP:
$24.97B
PEBK:
$61.81M
IP:
$7.44B
PEBK:
$22.28M
IP:
-$41.00M
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Return for Risk
PEBK vs. IP — Risk / Return Rank
PEBK
IP
PEBK vs. IP - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Peoples Bancorp of North Carolina, Inc. (PEBK) and International Paper Company (IP). 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 | IP | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +2.37 | ||
| Sortino ratioReturn per unit of downside risk | +2.86 | ||
| Omega ratioGain probability vs. loss probability | 1.35 | 0.97 | +0.39 |
| Calmar ratioReturn relative to maximum drawdown | 4.54 | -0.35 | +4.88 |
| Martin ratioReturn relative to average drawdown | 11.52 | -0.61 | +12.13 |
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Drawdowns
PEBK vs. IP - Drawdown Comparison
The maximum PEBK drawdown since its inception was -84.20%, smaller than the maximum IP drawdown of -90.62%. Use the drawdown chart below to compare losses from any high point for PEBK and IP.
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Drawdown Indicators
| PEBK | IP | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -84.20% | -90.62% | +6.42% |
Max Drawdown (1Y)Largest decline over 1 year | -12.94% | -45.52% | +32.58% |
Max Drawdown (3Y)Largest decline over 3 years | -25.20% | -48.61% | +23.41% |
Max Drawdown (5Y)Largest decline over 5 years | -49.58% | -48.61% | -0.97% |
Max Drawdown (10Y)Largest decline over 10 years | -56.44% | -55.27% | -1.17% |
Current DrawdownCurrent decline from peak | -3.31% | -34.51% | +31.20% |
Average DrawdownAverage peak-to-trough decline | -27.72% | -20.90% | -6.82% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.09% | 25.72% | -20.63% |
Volatility
PEBK vs. IP - Volatility Comparison
The current volatility for Peoples Bancorp of North Carolina, Inc. (PEBK) is 7.53%, while International Paper Company (IP) has a volatility of 13.54%. This indicates that PEBK experiences smaller price fluctuations and is considered to be less risky than IP based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PEBK | IP | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.53% | 13.54% | -6.01% |
Volatility (6M)Calculated over the trailing 6-month period | 15.57% | 33.00% | -17.43% |
Volatility (1Y)Calculated over the trailing 1-year period | 29.41% | 42.63% | -13.22% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 27.38% | 32.80% | -5.42% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 37.92% | 32.36% | +5.56% |
Dividends
PEBK vs. IP - Dividend Comparison
PEBK's dividend yield for the trailing twelve months is around 2.31%, less than IP's 5.01% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
IP International Paper Company | 5.01% | 4.70% | 3.44% | 5.12% | 5.34% | 4.08% | 4.12% | 4.37% | 4.77% | 3.21% | 3.36% | 4.35% |
PEBK Peoples Bancorp of North Carolina, Inc. | 2.31% | 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. IP - Financials Comparison
This section allows you to compare key financial metrics between Peoples Bancorp of North Carolina, Inc. and International Paper Company. 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. IP - Profitability Comparison
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%.
IP - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, International Paper Company reported a gross profit of 1.73B and revenue of 5.97B. Therefore, the gross margin over that period was 28.9%.
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%.
IP - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, International Paper Company reported an operating income of 76.00M and revenue of 5.97B, resulting in an operating margin of 1.3%.
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%.
IP - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, International Paper Company reported a net income of 76.00M and revenue of 5.97B, resulting in a net margin of 1.3%.
Frequently Asked Questions
PEBK and IP have a correlation of 0.33, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
IP has higher volatility (13.54%) compared to PEBK (7.53%). In terms of maximum drawdown, PEBK dropped -84.20% vs IP's -90.62%.
PEBK currently has the higher Sharpe Ratio (2.00 vs -0.37), 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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