Peoples Bancorp of North Carolina, Inc. (PEBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$44.14+1.92%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · PEBK
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 0% of the last 2 guided quarters · -2.5% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue to grow net earnings and diluted EPS through increased net interest income and controlled expenses.
Stated as a priority in 2 of last 2 quarters. Net earnings were $4.4 million in 2026-Q1 and $5.2 million in 2026-Q2, compared to $4.3 million and $5.2 million in the same periods of 2025, showing stable profitability. Diluted EPS increased slightly from $0.79 to $0.80 in Q1 and from $0.95 to $0.96 in Q2 year-over-year. The trajectory is delivering consistent profitability and earnings growth as management has emphasized.
“Net earnings were $5.2 million or $0.96 per diluted share for Q2 2026, compared to $5.2 million or $0.95 per diluted share for Q2 2025.”
“Net earnings were $4.4 million or $0.80 per diluted share for Q1 2026, compared to $4.3 million or $0.79 per diluted share for Q1 2025.”
Maintain and modestly increase cash dividends per share to provide shareholder returns.
Stated as a priority in 2 of last 2 quarters. Cash dividends increased modestly from $0.36 to $0.38 per share in Q1 year-over-year and totaled $0.59 for the first half of 2026 compared to $0.56 in the prior year period. Management is sustaining and slightly increasing dividends, delivering on this capital allocation priority.
“Cash dividends were $0.59 per share for the six months ended June 30, 2026, compared to $0.56 per share for the prior year period.”
“Cash dividends were $0.38 per share for Q1 2026, compared to $0.36 per share for Q1 2025.”
Focus on maintaining robust cash from operating activities to support operations and growth.
Stated as a priority in 2 of last 2 quarters. Cash from operating activities rose from $5.0 million in 2026-Q1 to $6.4 million in 2026-Q2, indicating strong operating cash flow generation. This financial reality aligns with management's focus on maintaining robust cash flow, showing delivering trajectory.
“Cash from operating activities was $6.4 million for Q2 2026.”
“Cash from operating activities was $5.0 million for Q1 2026.”
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 56% for the rest of the cohort, n=7680).
Over the trailing year it converted 1.26x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates (low R² over the window).
4 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.