UNTY vs. PEBK
Compare and contrast key facts about Unity Bancorp, Inc. (UNTY) and Peoples Bancorp of North Carolina, Inc. (PEBK).
Performance
UNTY vs. PEBK - Performance Comparison
Loading graphics...
UNTY vs. PEBK - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
UNTY Unity Bancorp, Inc. | 0.52% | 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. | 9.27% | 19.74% | 4.25% | -1.35% | 21.80% | 22.91% | -27.46% | 37.48% | -18.89% | 36.86% |
Fundamentals
UNTY:
$528.41M
PEBK:
$314.30M
UNTY:
$5.67
PEBK:
$3.14
UNTY:
9.13
PEBK:
12.49
UNTY:
0.63
PEBK:
6.07
UNTY:
3.05
PEBK:
2.36
UNTY:
1.53
PEBK:
2.00
UNTY:
$173.63M
PEBK:
$104.90M
UNTY:
$94.60M
PEBK:
$79.36M
UNTY:
$57.52M
PEBK:
$27.97M
Returns By Period
In the year-to-date period, UNTY achieves a 0.52% return, which is significantly lower than PEBK's 9.27% return. Over the past 10 years, UNTY has outperformed PEBK with an annualized return of 19.32%, while PEBK has yielded a comparatively lower 11.78% annualized return.
UNTY
- 1D
- 0.62%
- 1M
- -2.26%
- YTD
- 0.52%
- 6M
- 6.69%
- 1Y
- 28.90%
- 3Y*
- 33.51%
- 5Y*
- 21.01%
- 10Y*
- 19.32%
PEBK
- 1D
- 0.99%
- 1M
- 3.05%
- YTD
- 9.27%
- 6M
- 29.83%
- 1Y
- 48.13%
- 3Y*
- 10.93%
- 5Y*
- 14.16%
- 10Y*
- 11.78%
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
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.
| UNTY | PEBK | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.95 | 1.46 | -0.51 |
Sortino ratioReturn per unit of downside risk | 1.47 | 2.01 | -0.54 |
Omega ratioGain probability vs. loss probability | 1.18 | 1.27 | -0.09 |
Calmar ratioReturn relative to maximum drawdown | 1.68 | 3.65 | -1.97 |
Martin ratioReturn relative to average drawdown | 3.86 | 8.27 | -4.41 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading graphics...
Sharpe Ratios by Period
| UNTY | PEBK | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.95 | 1.46 | -0.51 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.71 | 0.52 | +0.19 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.46 | 0.31 | +0.14 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.15 | 0.17 | -0.02 |
Correlation
The correlation between UNTY and PEBK is 0.15, 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
UNTY vs. PEBK - Dividend Comparison
UNTY's dividend yield for the trailing twelve months is around 1.16%, less than PEBK's 2.50% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
UNTY Unity Bancorp, Inc. | 1.16% | 1.12% | 1.19% | 1.62% | 1.57% | 1.37% | 1.82% | 1.37% | 1.30% | 1.16% | 1.07% | 1.12% |
PEBK Peoples Bancorp of North Carolina, Inc. | 2.50% | 2.65% | 2.94% | 2.94% | 2.67% | 2.39% | 3.26% | 2.01% | 2.13% | 1.46% | 1.52% | 1.45% |
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.
Loading graphics...
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 | -16.10% | -12.94% | -3.16% |
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 | -7.74% | -1.51% | -6.23% |
Average DrawdownAverage peak-to-trough decline | -35.23% | -27.91% | -7.32% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 7.01% | 5.71% | +1.30% |
Volatility
UNTY vs. PEBK - Volatility Comparison
The current volatility for Unity Bancorp, Inc. (UNTY) is 5.08%, while Peoples Bancorp of North Carolina, Inc. (PEBK) has a volatility of 5.58%. This indicates that UNTY experiences smaller price fluctuations and is considered to be less risky than PEBK based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading graphics...
Volatility by Period
| UNTY | PEBK | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.08% | 5.58% | -0.50% |
Volatility (6M)Calculated over the trailing 6-month period | 20.66% | 19.95% | +0.71% |
Volatility (1Y)Calculated over the trailing 1-year period | 30.67% | 33.19% | -2.52% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.92% | 27.34% | +2.58% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 42.43% | 37.84% | +4.59% |
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 Apr 2026, Unity Bancorp, Inc. reported a gross profit of 0.00 and revenue of 17.49M. Therefore, the gross margin over that period was 0.0%.
PEBK - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Peoples Bancorp of North Carolina, Inc. reported a gross profit of 24.64M and revenue of 31.15M. Therefore, the gross margin over that period was 79.1%.
UNTY - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Unity Bancorp, Inc. reported an operating income of 0.00 and revenue of 17.49M, resulting in an operating margin of 0.0%.
PEBK - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Peoples Bancorp of North Carolina, Inc. reported an operating income of 8.76M and revenue of 31.15M, resulting in an operating margin of 28.1%.
UNTY - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Unity Bancorp, Inc. reported a net income of 15.47M and revenue of 17.49M, resulting in a net margin of 88.5%.
PEBK - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Peoples Bancorp of North Carolina, Inc. reported a net income of 6.63M and revenue of 31.15M, resulting in a net margin of 21.3%.