PEBK PE Ratio & Valuation,Is PEBK Overvalued

PEBK Relative Valuation

PEBK's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, PEBK is overvalued; if below, it's undervalued.

Historical Valuation

Peoples Bancorp of North Carolina Inc (PEBK) is now in the Fair zone, suggesting that its current forward PS ratio of 0.00 is considered Fairly compared with the five-year average of 0.00. The fair price of Peoples Bancorp of North Carolina Inc (PEBK) is between -- to -- according to relative valuation methord.

Relative Value

Fair Zone

-----

Current Price：38.12

Fair

0.00

EV/EBITDA

Peoples Bancorp of North Carolina Inc. (PEBK) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Peoples Bancorp of North Carolina Inc. (PEBK) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

0.00

Peoples Bancorp of North Carolina Inc. (PEBK) has a current PS of 0.00. The 5-year average PS is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward PS of 0.00 falls within the Strongly Undervalued range.

0.00

P/OCF

Peoples Bancorp of North Carolina Inc. (PEBK) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Peoples Bancorp of North Carolina Inc. (PEBK) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Peoples Bancorp of North Carolina Inc (PEBK) has a current Price-to-Book (P/B) ratio of 1.31. Compared to its 3-year average P/B ratio of 1.22 , the current P/B ratio is approximately 7.27% higher. Relative to its 5-year average P/B ratio of 1.20, the current P/B ratio is about 9.36% higher. Peoples Bancorp of North Carolina Inc (PEBK) has a Forward Free Cash Flow (FCF) yield of approximately 10.29%. Compared to its 3-year average FCF yield of 12.65%, the current FCF yield is approximately -18.65% lower. Relative to its 5-year average FCF yield of 12.35% , the current FCF yield is about -16.71% lower.

1.34

P/B

Median3y

1.22

Median5y

1.20

10.29

FCF Yield

Median3y

12.65

Median5y

12.35

Competitors Valuation Multiple

The average P/S ratio for PEBK's competitors is 0.00, providing a benchmark for relative valuation. Peoples Bancorp of North Carolina Inc Corp (PEBK) exhibits a P/S ratio of 0.00, which is NaN% above the industry average. Given its robust revenue growth of 4.52%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of PEBK increased by 23.04% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 9.54 to 12.33.

The secondary factor is the Revenue Growth, contributed 4.52%to the performance.

Overall, the performance of PEBK in the past 1 year is driven by P/E Change. Which is more unsustainable.

4.52%

15.03M → 15.71M

Revenue Growth

-10.75%

26.33 → 23.50

Margin Expansion

29.27%

9.54 → 12.33

P/E Change

23.04%

30.66 → 37.72

Mkt Cap Growth

People Also Watch

Frequently Asked Questions

Is Peoples Bancorp of North Carolina Inc (PEBK) currently overvalued or undervalued?

What is Peoples Bancorp of North Carolina Inc (PEBK) fair value?

PEBK's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Peoples Bancorp of North Carolina Inc (PEBK) is between to according to relative valuation methord.

How does PEBK's valuation metrics compare to the industry average?

What is the current P/B ratio for Peoples Bancorp of North Carolina Inc (PEBK) as of Dec 16 2025?

As of Dec 16 2025, Peoples Bancorp of North Carolina Inc (PEBK) has a P/B ratio of 1.31. This indicates that the market values PEBK at 1.31 times its book value.

What is the current FCF Yield for Peoples Bancorp of North Carolina Inc (PEBK) as of Dec 16 2025?

As of Dec 16 2025, Peoples Bancorp of North Carolina Inc (PEBK) has a FCF Yield of 10.29%. This means that for every dollar of Peoples Bancorp of North Carolina Inc’s market capitalization, the company generates 10.29 cents in free cash flow.

What is the current Forward P/E ratio for Peoples Bancorp of North Carolina Inc (PEBK) as of Dec 16 2025?

As of Dec 16 2025, Peoples Bancorp of North Carolina Inc (PEBK) has a Forward P/E ratio of 0.00. This means the market is willing to pay $0.00 for every dollar of Peoples Bancorp of North Carolina Inc’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Peoples Bancorp of North Carolina Inc (PEBK) as of Dec 16 2025?

As of Dec 16 2025, Peoples Bancorp of North Carolina Inc (PEBK) has a Forward P/S ratio of 0.00. This means the market is valuing PEBK at $0.00 for every dollar of expected revenue over the next 12 months.

PEBK Valuation

PEBK Valuation

PEBK Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is Peoples Bancorp of North Carolina Inc (PEBK) currently overvalued or undervalued?

What is Peoples Bancorp of North Carolina Inc (PEBK) fair value?

How does PEBK's valuation metrics compare to the industry average?

What is the current P/B ratio for Peoples Bancorp of North Carolina Inc (PEBK) as of Dec 16 2025?

What is the current FCF Yield for Peoples Bancorp of North Carolina Inc (PEBK) as of Dec 16 2025?

What is the current Forward P/E ratio for Peoples Bancorp of North Carolina Inc (PEBK) as of Dec 16 2025?

What is the current Forward P/S ratio for Peoples Bancorp of North Carolina Inc (PEBK) as of Dec 16 2025?