UNTY vs. PEBK
UNTY (Unity Bancorp, Inc.) and PEBK (Peoples Bancorp of North Carolina, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, UNTY returned 19.74%/yr vs 11.67%/yr for PEBK. Their 0.16 correlation means their historical movements had little consistent relationship.
Performance
UNTY vs. PEBK - Performance Comparison
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Returns By Period
In the year-to-date period, UNTY achieves a 14.56% return, which is significantly lower than PEBK's 20.59% return. Over the past 10 years, UNTY has outperformed PEBK with an annualized return of 19.74%, while PEBK has yielded a comparatively lower 11.67% annualized return.
UNTY
- 1D
- 0.37%
- 1M
- 1.32%
- 6M
- 9.81%
- YTD
- 14.56%
- 1Y
- 24.54%
- 3Y*
- 32.09%
- 5Y*
- 23.43%
- 10Y*
- 19.74%
- ALL TIME*
- 7.57%
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%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $1.93M | $1.45M | $1.50M | |
| $3.89M | $3.92M | $3.38M |
UNTY vs. PEBK - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
UNTY Unity Bancorp, Inc. | 14.56% | 20.07% | 49.81% | 10.35% | 5.75% | 51.89% | -20.60% | 10.33% | 6.38% | 27.43% |
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% |
Correlation
The correlation between UNTY and PEBK is 0.66, 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. | 0.66 |
Correlation (3Y) Balances recent behavior with more history. | 0.47 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.36 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.33 |
Correlation (All Time) Calculated using the full available price history since Jan 20, 1997 | 0.16 |
Over the past year, UNTY and PEBK have become more correlated (0.66) than their long-term average of 0.16, meaning their price movements have been converging.
Fundamentals
UNTY:
$591.31M
PEBK:
$234.84M
UNTY:
$5.74
PEBK:
$4.20
UNTY:
10.25
PEBK:
10.23
UNTY:
0.71
PEBK:
4.97
UNTY:
2.87
PEBK:
1.85
UNTY:
$209.43M
PEBK:
$110.13M
UNTY:
$132.69M
PEBK:
$84.13M
UNTY:
$78.57M
PEBK:
$28.60M
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Return for Risk
UNTY vs. PEBK — Risk / Return Rank
UNTY
PEBK
UNTY vs. PEBK - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Unity Bancorp, Inc. (UNTY) 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.
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.
| UNTY | PEBK | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.23 | ||
| Sortino ratioReturn per unit of downside risk | -1.43 | ||
| Omega ratioGain probability vs. loss probability | 1.15 | 1.34 | -0.20 |
| Calmar ratioReturn relative to maximum drawdown | 1.35 | 4.19 | -2.85 |
| Martin ratioReturn relative to average drawdown | 3.21 | 12.65 | -9.44 |
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Drawdowns
UNTY vs. PEBK - Drawdown Comparison
The maximum UNTY drawdown since its inception was -88.69%, which is greater than PEBK's maximum drawdown of -84.20%. Use the drawdown chart below to compare losses from any high point for UNTY and PEBK.
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Drawdown Indicators
| UNTY | PEBK | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -88.69% | -84.20% | -4.49% |
Max Drawdown (1Y)Largest decline over 1 year | -15.92% | -12.94% | -2.98% |
Max Drawdown (3Y)Largest decline over 3 years | -23.58% | -25.20% | +1.62% |
Max Drawdown (5Y)Largest decline over 5 years | -30.94% | -49.58% | +18.64% |
Max Drawdown (10Y)Largest decline over 10 years | -59.97% | -56.44% | -3.53% |
Current DrawdownCurrent decline from peak | -1.09% | -3.09% | +2.00% |
Average DrawdownAverage peak-to-trough decline | -34.97% | -27.64% | -7.33% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 6.69% | 4.29% | +2.40% |
Volatility
UNTY vs. PEBK - Volatility Comparison
Unity Bancorp, Inc. (UNTY) has a higher volatility of 8.66% compared to Peoples Bancorp of North Carolina, Inc. (PEBK) at 6.16%. This indicates that UNTY's price experiences larger fluctuations and is considered to be riskier than PEBK based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| UNTY | PEBK | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 8.66% | 6.16% | +2.50% |
Volatility (6M)Calculated over the trailing 6-month period | 18.13% | 16.05% | +2.08% |
Volatility (1Y)Calculated over the trailing 1-year period | 28.85% | 27.45% | +1.40% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.70% | 27.36% | +2.34% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 42.32% | 37.93% | +4.39% |
Dividends
UNTY vs. PEBK - Dividend Comparison
UNTY's dividend yield for the trailing twelve months is around 1.05%, less than PEBK's 2.30% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
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% |
UNTY Unity Bancorp, Inc. | 1.05% | 1.12% | 1.19% | 1.62% | 1.57% | 1.37% | 1.82% | 1.37% | 1.30% | 1.16% | 1.07% | 1.12% |
Financials
UNTY vs. PEBK - Financials Comparison
This section allows you to compare key financial metrics between Unity Bancorp, Inc. and Peoples Bancorp of North Carolina, Inc.. 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
UNTY vs. PEBK - Profitability Comparison
UNTY - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Unity Bancorp, Inc. reported a gross profit of 32.58M and revenue of 48.56M. Therefore, the gross margin over that period was 67.1%.
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%.
UNTY - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Unity Bancorp, Inc. reported an operating income of 18.65M and revenue of 48.56M, resulting in an operating margin of 38.4%.
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%.
UNTY - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Unity Bancorp, Inc. reported a net income of 14.47M and revenue of 48.56M, resulting in a net margin of 29.8%.
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%.
Frequently Asked Questions
UNTY and PEBK have a correlation of 0.66, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
UNTY has higher volatility (8.66%) compared to PEBK (6.16%). In terms of maximum drawdown, UNTY dropped -88.69% vs PEBK's -84.20%.
PEBK currently has the higher Sharpe Ratio (1.98 vs 0.74), 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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