PEBK
Bearish signal
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Sale value outweighs purchases
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Financial indicators Unavailable or mixed. Current ratio 0.18 · operating margin 23% — readings disagree
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
ACHAT TOTAL: 400 titres (~17 198,40 $ US) VENTE TOTALE: 6 350 titres (~270 977,41 $ US)
- Insiders
- Abernethy Robert C. JRPRICE BILLY L JR DRABERNETHY JAMES S
- Total bought
-
$17,198
Avg buy (VWAP, 90d window) $43.00 vs last close —
- Total sold
-
$270,977
Avg sell (VWAP, 90d window) $42.76 vs last close —
- Last activity
- 2026-09-01
- Last synced
-
2026-09-07 10:23:47
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-02 | ABERNETHY JAMES S | Sell | 500 | $43.50 | $21,750 | Form 4 |
| 2026-09-01 | Abernethy Robert C. JR | Sell | 1,200 | $43.13 | $51,756 | Form 4 |
| 2026-08-27 | ABERNETHY JAMES S | Sell | 1,000 | $43.11 | $43,110 | Form 4 |
| 2026-08-27 | PRICE BILLY L JR DR | Buy | 400 | $43.00 | $17,198 | Form 4 |
| 2026-08-07 | Abernethy Robert C. JR | Sell | 950 | $42.33 | $40,211 | Form 4 |
| 2026-07-30 | ABERNETHY JAMES S | Sell | 1,000 | $42.91 | $42,910 | Form 4 |
| 2026-07-29 | ABERNETHY JAMES S | Sell | 500 | $43.17 | $21,585 | Form 4 |
| 2026-07-28 | ABERNETHY JAMES S | Sell | 1,000 | $42.89 | $42,890 | Form 4 |
| 2026-07-23 | Abernethy Robert C. JR | Sell | 1,200 | $41.75 | $50,100 | Form 4 |
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Market snapshot
Signal
Bearish signalScored 2026-09-03
PEBK presents a deeply unfavorable risk profile, combining a critically low liquidity score (25) with a near-absent catalyst score (15) and no identifiable event-driven trigger.
The first sentence of the analysis written for PEBK on 2026-09-03 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 77.7% | 73.0% | 78.2% | 93.2% | 96.8% | |
| Ebit Margin | 22.6% | 21.4% | 23.2% | 28.7% | 29.6% | |
| Ebitda Margin | 24.9% | 24.4% | 26.9% | 37.2% | 38.3% | |
| Operating Profit Margin | 22.6% | 21.4% | 23.2% | 28.7% | 29.6% | |
| Pretax Profit Margin | 22.6% | 21.4% | 23.2% | 28.7% | 29.6% | |
| Continuous Operations Profit Margin | 17.3% | 16.7% | 18.1% | 22.8% | 23.7% | |
| Net Profit Margin | 17.3% | 16.7% | 18.1% | 22.8% | 23.7% | |
| Bottom Line Profit Margin | 17.3% | 16.7% | 18.1% | 22.8% | 23.7% | |
| Current Ratio | 0.182 | 0.197 | 0.321 | 0.371 | 0.481 | |
| Quick Ratio | 0.182 | 0.197 | 0.321 | 0.371 | 0.481 | |
| Solvency Ratio | 0.015 | 0.013 | 0.012 | 0.015 | 0.014 | |
| Cash Ratio | 0.038 | 0.040 | 0.056 | 0.048 | 0.190 | |
| Price To Earnings Ratio | 12.313 | 10.146 | 10.780 | 11.075 | 10.181 | |
| Price To Earnings Growth Ratio | -2.709 | 1.387 | -4.528 | 1.305 | 0.261 | |
| Forward Price To Earnings Growth Ratio | -2.709 | 1.387 | -4.528 | 1.305 | 0.261 | |
| Price To Earnings Diluted Ratio | 12.313 | 10.487 | 11.170 | 11.425 | 10.490 | |
| Price To Earnings Diluted Growth Ratio | -9.173 | 1.383 | -3.979 | 1.366 | 0.301 | |
| Price To Book Ratio | 1.555 | 1.269 | 1.385 | 1.697 | 1.082 | |
| Price To Sales Ratio | 2.132 | 1.694 | 1.954 | 2.525 | 2.412 | |
| Price To Free Cash Flow Ratio | 12.240 | 8.295 | 8.045 | 9.891 | 5.832 | |
| Price To Operating Cash Flow Ratio | 11.431 | 8.058 | 7.357 | 7.881 | 5.727 | |
| Debt To Assets Ratio | 0.011 | 0.012 | 0.065 | 0.042 | 0.035 | |
| Debt To Equity Ratio | 0.121 | 0.150 | 0.884 | 0.650 | 0.402 | |
| Debt To Capital Ratio | 0.108 | 0.131 | 0.469 | 0.394 | 0.287 | |
| Long Term Debt To Capital Ratio | 0.090 | 0.106 | 0.113 | 0.128 | 0.098 | |
| Financial Leverage Ratio | 10.834 | 12.653 | 13.518 | 15.409 | 11.408 | |
| Working Capital Turnover Ratio | -0.094 | -0.089 | -0.088 | -0.083 | -0.080 | |
| Operating Cash Flow Ratio | 0.014 | 0.014 | 0.015 | 0.015 | 0.018 | |
| Operating Cash Flow Sales Ratio | 0.187 | 0.210 | 0.266 | 0.320 | 0.421 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.934 | 0.971 | 0.914 | 0.797 | 0.982 | |
| Debt Service Coverage Ratio | 0.917 | 0.722 | 0.180 | 0.434 | 0.514 | |
| Interest Coverage Ratio | 1.051 | 0.785 | 1.162 | 6.107 | 5.906 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.263 | 0.475 | 0.725 | |
| Operating Cash Flow Coverage Ratio | 1.120 | 1.049 | 0.213 | 0.332 | 0.470 | |
| Capital Expenditure Coverage Ratio | 15.126 | 35.022 | 11.694 | 4.965 | 55.579 | |
| Dividend Paid And Capex Coverage Ratio | 3.209 | 3.649 | 3.228 | 2.385 | 6.289 | |
| Dividend Payout Ratio | 0.265 | 0.309 | 0.329 | 0.306 | 0.251 | |
| Enterprise Value Multiple | 7.180 | 5.289 | 8.340 | 6.659 | -2.702 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 77.7% | ▲4.7% | ▼-6.1% |
| Ebit Margin | 22.6% | ▲1.2% | ▼-2.5% |
| Ebitda Margin | 24.9% | ▲0.6% | ▼-5.4% |
| Operating Profit Margin | 22.6% | ▲1.2% | ▼-2.5% |
| Pretax Profit Margin | 22.6% | ▲1.2% | ▼-2.5% |
| Continuous Operations Profit Margin | 17.3% | ▲0.6% | ▼-2.4% |
| Net Profit Margin | 17.3% | ▲0.6% | ▼-2.4% |
| Bottom Line Profit Margin | 17.3% | ▲0.6% | ▼-2.4% |
| Current Ratio | 0.182 | ▼-0.015 | ▼-0.128 |
| Quick Ratio | 0.182 | ▼-0.015 | ▼-0.128 |
| Solvency Ratio | 0.015 | ▲0.002 | ▲0.001 |
| Cash Ratio | 0.038 | ▼-0.001 | ▼-0.036 |
| Price To Earnings Ratio | 12.313 | ▲2.167 | ▲1.414 |
| Price To Earnings Growth Ratio | -2.709 | ▼-4.096 | ▼-1.852 |
| Forward Price To Earnings Growth Ratio | -2.709 | ▼-4.096 | ▼-1.852 |
| Price To Earnings Diluted Ratio | 12.313 | ▲1.826 | ▲1.136 |
| Price To Earnings Diluted Growth Ratio | -9.173 | ▼-10.556 | ▼-7.153 |
| Price To Book Ratio | 1.555 | ▲0.286 | ▲0.157 |
| Price To Sales Ratio | 2.132 | ▲0.438 | ▼-0.011 |
| Price To Free Cash Flow Ratio | 12.240 | ▲3.945 | ▲3.379 |
| Price To Operating Cash Flow Ratio | 11.431 | ▲3.373 | ▲3.340 |
| Debt To Assets Ratio | 0.011 | ▼-0.001 | ▼-0.022 |
| Debt To Equity Ratio | 0.121 | ▼-0.029 | ▼-0.320 |
| Debt To Capital Ratio | 0.108 | ▼-0.022 | ▼-0.169 |
| Long Term Debt To Capital Ratio | 0.090 | ▼-0.016 | ▼-0.017 |
| Financial Leverage Ratio | 10.834 | ▼-1.819 | ▼-1.931 |
| Working Capital Turnover Ratio | -0.095 | ▼-0.005 | ▼-0.007 |
| Operating Cash Flow Ratio | 0.014 | ▲0.000 | ▼-0.001 |
| Operating Cash Flow Sales Ratio | 0.186 | ▼-0.024 | ▼-0.094 |
| Free Cash Flow Operating Cash Flow Ratio | 0.934 | ▼-0.038 | ▲0.014 |
| Debt Service Coverage Ratio | 0.917 | ▲0.195 | ▲0.364 |
| Interest Coverage Ratio | 1.051 | ▲0.266 | ▼-1.952 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | ▼-0.293 |
| Operating Cash Flow Coverage Ratio | 1.120 | ▲0.071 | ▲0.483 |
| Capital Expenditure Coverage Ratio | 15.126 | ▼-19.896 | ▼-9.351 |
| Dividend Paid And Capex Coverage Ratio | 3.209 | ▼-0.440 | ▼-0.543 |
| Dividend Payout Ratio | 0.265 | ▼-0.044 | ▼-0.027 |
| Enterprise Value Multiple | 7.180 | ▲1.891 | ▲2.227 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $244.3M | $165.7M | $167.6M | $178.6M | $154.1M | |
| Enterprise value | $205.3M | $126.0M | $192.2M | $175.3M | -$66.2M | |
| EV / Sales | 1.79x | 1.29x | 2.24x | 2.48x | -1.04x | |
| EV / Op. cash flow | 9.61x | 6.13x | 8.44x | 7.74x | -2.46x | |
| EV / Free cash flow | 10.29x | 6.31x | 9.23x | 9.71x | -2.51x | |
| EV / EBITDA | 7.18x | 5.29x | 8.34x | 6.66x | -2.70x | |
| Net debt / EBITDA | -1.36x | -1.67x | 1.07x | -0.12x | -8.99x | |
| Current ratio | 0.18x | 0.20x | 0.32x | 0.37x | 0.48x | |
| Income quality | 1.08x | 1.26x | 1.47x | 1.41x | 1.78x | |
| Graham number | $39 | $41 | $38 | $36 | $39 | |
| Graham net-net | -$188 | -$232 | -$192 | -$177 | -$140 | |
| Tax burden | 76.7% | 78.1% | 78.0% | 79.4% | 79.9% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$1.23B | -$1.19B | -$1.00B | -$940.2M | -$758.4M | |
| Invested capital | -$1.22B | -$1.17B | -$983.0M | -$916.8M | -$737.7M | |
| Return on assets | 1.2% | 1.0% | 1.0% | 1.0% | 0.9% | |
| Operating ROA | 1.5% | 1.3% | 1.2% | 1.3% | 1.2% | |
| Return on tangible assets | 1.2% | 1.0% | 1.0% | 1.0% | 0.9% | |
| Return on equity | 12.6% | 12.5% | 12.8% | 15.3% | 10.6% | |
| Return on invested capital | 10.3% | 9.8% | 6.4% | 9.3% | 7.6% | |
| Return on capital employed | 13.4% | 12.5% | 12.7% | 16.1% | 11.6% | |
| Earnings yield | 8.1% | 9.9% | 9.3% | 9.0% | 9.8% | |
| Free cash flow yield | 8.2% | 12.1% | 12.4% | 10.1% | 17.1% | |
| Capex / Op. cash flow | 6.6% | 2.9% | 8.6% | 20.1% | 1.8% | |
| Capex / Depreciation | 51.6% | 20.3% | 62.3% | 75.7% | 8.7% | |
| Capex / Sales | 1.2% | 0.6% | 2.3% | 6.5% | 0.8% | |
| SG&A / Sales | 32.5% | 30.4% | 32.8% | 38.6% | 39.9% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.2% | 0.2% | 0.2% | 0.4% | 0.3% | |
| Intangibles / Total assets | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Days sales outstanding | 0d | 0d | 0d | 196d | 110d | |
| Days payables outstanding | 0d | 0d | 0d | 927d | 2117d | |
| Operating cycle | 0d | 0d | 0d | 196d | 110d | |
| Cash conversion cycle | 0d | 0d | 0d | -731d | -2007d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+47.5%EV / Sales ▲+39.0%EV / EBITDA ▲+35.7%EV / Op. cash flow ▲+3.476Earnings yield ▼-0.018Graham number ▼-2.115
Profitability
Return on equity ▲+0.001Return on assets ▲+0.002Return on invested capital ▲+0.005Return on capital employed ▲+0.009Operating ROA ▲+0.003Income quality ▼-0.179Tax burden ▼-0.014
Efficiency
Days sales outstanding n/aDays payables outstanding n/aOperating cycle n/aCash conversion cycle n/aCapex / Sales ▲+0.006R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.015Net debt / EBITDA ▲+0.300Working capital ▼-42583000.000Invested capital ▼-43804000.000Intangibles / Total assets n/a
Change over 5 years
Valuation
Market cap ▲+58.6%EV / Sales ▲+272.9%EV / EBITDA ▲+365.7%EV / Op. cash flow ▲+12.066Earnings yield ▼-0.017Graham number ▼-0.196
Profitability
Return on equity ▲+0.020Return on assets ▲+0.002Return on invested capital ▲+0.027Return on capital employed ▲+0.018Operating ROA ▲+0.003Income quality ▼-0.700Tax burden ▼-0.032
Efficiency
Days sales outstanding ▼-109.961Days payables outstanding ▼-2116.535Operating cycle ▼-109.961Cash conversion cycle ▲+2006.574Capex / Sales ▲+0.005R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.299Net debt / EBITDA ▲+7.626Working capital ▼-475875000.000Invested capital ▼-478952000.000Intangibles / Total assets n/a
Employee count
Peer market caps
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent news
- 2026-09-01 PEBK vs. FCBC: Which Community Banking Stock Is the Better Buy Today? Peoples Bancorp and First Community bring different growth drivers, funding strengths and valuations, but which bank looks better positioned? Let''s dive in.
- 2026-08-21 Peoples Bancorp Announces Cash Dividend NEWTON, NC / ACCESS Newswire / August 21, 2026 / The Board of Directors of Peoples Bancorp of North Carolina, Inc., Newton, NC (Nasdaq:PEBK) declared the Company''s regular cash dividend for the third quarter of 2026 in the amount of $0.21 per share. The third quarter cash dividend will be paid on September 15, 2026 to shareholders of record on September 3, 2026.
- 2026-07-20 Peoples Bancorp Announces Second Quarter 2026 Results NEWTON, NC / ACCESS Newswire / July 20, 2026 / Peoples Bancorp of North Carolina, Inc. (NASDAQ:PEBK) (the "Company"), the parent company of Peoples Bank (the "Bank"), reported second quarter 2026 results with highlights as follows: Second quarter 2026 highlights: Net earnings were $5.2 million or $0.98 per share and $0.96 per diluted share for the three months ended June 30, 2026, as compared to $5.2 million or $0.97 per share and $0.95 per diluted share for the same period one year ago. Net interest margin was 3.80% for the three months ended June 30, 2026, compared to 3.57% for the three months ended June 30, 2025.
- 2026-06-25 PEBK vs. HTB: Which Regional Bank Stock Is the Better Buy Right Now? Peoples Bancorp and HomeTrust face different scales, reach and strategies, but which stock looks better positioned right now? Let''s dive in.