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Peoples Bancorp of North Carolina Inc
NASDAQ:PEBK

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Peoples Bancorp of North Carolina Inc Logo
Peoples Bancorp of North Carolina Inc
NASDAQ:PEBK
Watchlist
Price: 37.51 USD 0.97%
Market Cap: $204.8m
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Net Margin

19.5%
Current
Declining
by 0.9%
vs 3-y average of 20.4%

Net Margin shows how much profit a company keeps from each dollar of sales after all expenses, including taxes and interest. It reflects the company`s overall profitability.

Net Margin
19.5%
=
Net Income
$16.8m
/
Revenue
$85.9m

Net Margin shows how much profit a company keeps from each dollar of sales after all expenses, including taxes and interest. It reflects the company`s overall profitability.

Net Margin
19.5%
=
Net Income
$16.8m
/
Revenue
$85.9m

Peer Comparison

Market Distribution

Higher than 83% of companies in the United States of America
Percentile
83nd
Based on 15 072 companies
83nd percentile
19.5%
Low
-4 418 600% — -9.6%
Typical Range
-9.6% — 11.3%
High
11.3% — 1 135 400%
Distribution Statistics
the United States of America
Min -4 418 600%
30th Percentile -9.6%
Median 3.1%
70th Percentile 11.3%
Max 1 135 400%

Other Profitability Ratios

Peoples Bancorp of North Carolina Inc
Glance View

Market Cap
204.8m USD
Industry
Banking

Peoples Bancorp of North Carolina, Inc. is a holding company of the Peoples Bank, which engages in the provision of full suite of commercial and personal banking products and services, including personal banking, business banking, online banking, mobile banking, personal loans, business loans, treasury management, and wealth management services. The company is headquartered in Newton, North Carolina and currently employs 287 full-time employees. The Bank is a state-chartered commercial bank serving the citizens and business interests of the Catawba Valley and surrounding communities. The Bank has a diversified loan portfolio, with no foreign loans and few agricultural loans. The Bank's loan portfolio consists of construction and land development loans, single-family residential loans, commercial real estate loans and commercial loans. The Bank operates approximately 17 banking offices, located in Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, Charlotte, Cornelius, Mooresville, Raleigh, and Cary, North Carolina. The Bank also operates loan production offices in Charlotte, Denver, Salisbury and Winston-Salem North Carolina. The Bank's subsidiaries include Peoples Investment Services, Inc., Real Estate Advisory Services, Inc., Community Bank Real Estate Solutions, LLC and PB Real Estate Holdings, LLC.

PEBK Intrinsic Value
25.98 USD
Overvaluation 31%
Intrinsic Value
Price
What is Intrinsic Value?

See Also

Summary
PEBK intrinsic value, competitors valuation, and company profile.
DCF Valuation
PEBK stock valuation using Discount Cash Flow valuation method.
Relative Valuation
PEBK stock valuation using valuation multiples.
Wall Street Estimates
PEBK price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
PEBK stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
Discover More
What is Net Margin?
Net Margin shows how much profit a company keeps from each dollar of sales after all expenses, including taxes and interest. It reflects the company`s overall profitability.
How is Net Margin calculated?

Net Margin is calculated by dividing the Net Income by the Revenue.

Net Margin
19.5%
=
Net Income
$16.8m
/
Revenue
$85.9m
What is Peoples Bancorp of North Carolina Inc's current Net Margin?

The current Net Margin for Peoples Bancorp of North Carolina Inc is 19.5%, which is below its 3-year median of 20.4%.

How has Net Margin changed over time?

Over the last 3 years, Peoples Bancorp of North Carolina Inc’s Net Margin has decreased from 20.1% to 19.5%. During this period, it reached a low of 19.5% on Sep 30, 2025 and a high of 21.9% on Jun 30, 2023.

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