Peoples Bancorp Financials

PEBK Stock  USD 28.50  1.35  4.52%   
Based on the analysis of Peoples Bancorp's profitability, liquidity, and operating efficiency, Peoples Bancorp of may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Peoples Bancorp's Non Currrent Assets Other are quite stable compared to the past year. Cash And Short Term Investments is expected to rise to about 146.5 M this year, although the value of Property Plant And Equipment Net will most likely fall to about 14.5 M. Key indicators impacting Peoples Bancorp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.170.18
Notably Down
Pretty Stable
Return On Assets0.00650.0086
Way Down
Slightly volatile
Return On Equity0.07180.12
Way Down
Slightly volatile
Debt Equity Ratio0.140.15
Significantly Down
Slightly volatile
Operating Income47.1 M44.8 M
Sufficiently Up
Slightly volatile
Current Ratio0.140.1583
Fairly Down
Slightly volatile
The essential information of the day-to-day investment outlook for Peoples Bancorp includes many different criteria found on its balance sheet. An individual investor should monitor Peoples Bancorp's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Peoples Bancorp.

Net Income

18.77 Million

  

Peoples Bancorp Stock Summary

Peoples Bancorp competes with Home Federal, Investar Holding, Lake Shore, Finward Bancorp, and Community West. Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various commercial and consumer banking products and services to individuals and small to medium-sized businesses. Peoples Bancorp of North Carolina, Inc. was founded in 1912 and is headquartered in Newton, North Carolina. Peoples Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 287 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS7105771072
CUSIP710577107 710215104
LocationNorth Carolina; U.S.A
Business Address518 West C
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.peoplesbanknc.com
Phone828 464 5620
CurrencyUSD - US Dollar

Peoples Bancorp Key Financial Ratios

Peoples Bancorp Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets1.4B1.6B1.6B1.6B1.9B2.0B
Net Debt(146.1M)(262.0M)(56.1M)(62.1M)(55.9M)(53.1M)
Retained Earnings77.6M89.0M100.2M109.8M126.2M132.5M
Cash161.6M277.5M71.6M82.4M94.7M99.5M
Other Assets719.6M490.0M594.6M(1.8M)(2.0M)(1.9M)
Total Liab1.3B1.5B1.5B1.5B1.7B1.8B
Total Current Assets427.3M707.9M554.9M82.4M94.7M158.3M
Other Current Liab(12.2M)(16.5M)(5.2M)520.2M468.2M491.6M
Short Term Debt26.2M37.8M48.5M87.5M100.7M105.7M
Accounts Payable14.4M12.2M16.5M17.4M20.0M19.0M
Net Receivables20.0M20.4M23.9M43.0M49.5M52.0M
Common Stock56.9M53.3M52.6M50.6M58.2M51.0M
Inventory(52.4M)(161.7M)(277.5M)(76.7M)(69.0M)(65.6M)
Net Tangible Assets134.1M139.9M142.4M105.2M121.0M120.9M
Other Current Assets161.7M277.5M71.6M82.4M94.7M95.3M

Peoples Bancorp Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense3.8M3.2M3.3M17.1M19.7M10.2M
Operating Income13.8M18.9M23.6M39.0M44.8M47.1M
Ebit12.6M18.9M20.3M19.9M22.9M17.7M
Ebitda16.8M24.5M26.3M23.0M26.5M20.7M
Net Income11.4M15.1M16.1M15.5M17.9M18.8M
Income Tax Expense2.5M3.8M4.2M4.4M5.0M5.3M
Total Revenue61.8M61.8M1.1M76.1M87.5M91.9M
Gross Profit61.8M61.8M1.1M94.8M109.0M114.4M
Income Before Tax13.8M18.9M20.3M19.9M22.9M24.1M
Tax Provision2.5M3.8M4.2M4.5M5.2M3.7M
Net Interest Income44.1M44.0M51.1M56.8M65.3M48.4M
Interest Income48.0M47.2M54.4M69.2M79.6M53.1M

Peoples Bancorp Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash109.2M115.9M(205.9M)10.8M12.4M13.0M
Free Cash Flow6.7M26.4M18.1M20.8M24.0M25.2M
Depreciation4.2M5.6M6.0M3.1M3.6M3.4M
Other Non Cash Items(3.1M)4.2M5.0M3.0M3.4M2.8M
Dividends Paid4.4M3.8M4.9M5.1M5.9M6.2M
Capital Expenditures2.5M484K4.6M1.9M2.2M2.3M
Net Income11.4M15.1M16.1M15.5M17.9M18.8M
End Period Cash Flow161.6M277.5M71.6M82.4M94.7M99.5M
Investments(149.0M)(235.6M)(104.5M)(19.1M)(17.2M)(18.1M)
Net Borrowings(38.9M)1.8M10.9M10.6M12.2M12.8M
Change To Netincome(3.5M)(3.6M)6.0M4.1M3.7M3.9M

Peoples Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Peoples Bancorp's current stock value. Our valuation model uses many indicators to compare Peoples Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Peoples Bancorp competition to find correlations between indicators driving Peoples Bancorp's intrinsic value. More Info.
Peoples Bancorp of is regarded third in return on equity category among its peers. It also is regarded third in return on asset category among its peers reporting about  0.07  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Peoples Bancorp of is roughly  13.46 . At this time, Peoples Bancorp's Return On Equity is quite stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Peoples Bancorp by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Peoples Bancorp Systematic Risk

Peoples Bancorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Peoples Bancorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on Peoples Bancorp correlated with the market. If Beta is less than 0 Peoples Bancorp generally moves in the opposite direction as compared to the market. If Peoples Bancorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Peoples Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Peoples Bancorp is generally in the same direction as the market. If Beta > 1 Peoples Bancorp moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Peoples Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Peoples Bancorp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Peoples Bancorp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(4.95)

At this time, Peoples Bancorp's Price Earnings To Growth Ratio is quite stable compared to the past year.

Peoples Bancorp January 10, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Peoples Bancorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Peoples Bancorp of. We use our internally-developed statistical techniques to arrive at the intrinsic value of Peoples Bancorp of based on widely used predictive technical indicators. In general, we focus on analyzing Peoples Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Peoples Bancorp's daily price indicators and compare them against related drivers.
When determining whether Peoples Bancorp is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Peoples Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Peoples Bancorp Of Stock. Highlighted below are key reports to facilitate an investment decision about Peoples Bancorp Of Stock:
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Peoples Bancorp of. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
For more information on how to buy Peoples Stock please use our How to buy in Peoples Stock guide.
You can also try the Price Transformation module to use Price Transformation models to analyze the depth of different equity instruments across global markets.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Peoples Bancorp. If investors know Peoples will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Peoples Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.03)
Dividend Share
0.76
Earnings Share
2.95
Revenue Per Share
15.039
Quarterly Revenue Growth
0.041
The market value of Peoples Bancorp is measured differently than its book value, which is the value of Peoples that is recorded on the company's balance sheet. Investors also form their own opinion of Peoples Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Peoples Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Peoples Bancorp's market value can be influenced by many factors that don't directly affect Peoples Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Peoples Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Peoples Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Peoples Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.