PEBK Valuation

Peoples Bancorp of North Carolina Inc

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31.950

+1.26(4.106%)1D

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：31.95

Fair

0.00

Trailing

Forward

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 1.13. Compared to its 3-year average P/B ratio of 1.23 , the current P/B ratio is approximately -7.75% higher. Relative to its 5-year average P/B ratio of 1.20, the current P/B ratio is about -5.06% higher. Peoples Bancorp of North Carolina Inc (PEBK) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 12.69%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 12.29% , the current FCF yield is about -100.00% lower.

1.13

P/B

Median3y

1.23

Median5y

1.20

12.32

FCF Yield

Median3y

12.69

Median5y

12.29

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

P/S

Revenue Growth

Market Cap

PEBK.O

Peoples Bancorp of North Carolina Inc

CB Financial Services Inc

Ohio Valley Banc Corp

United Security Bancshares

Citizens Community Bancorp Inc

Loss

16.18%

161.51M

Performance Decomposition

Market capitalization of PEBK increased by 1.75% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 9.67 to 10.44.

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

7.98%

9.67 → 10.44

P/E Change

1.75%