Peoples Bancorp of North Carolina, Inc. (PEBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$43.22-2.90%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
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.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Net interest income was $16.7 million for the three months ended September 30, 2026, compared to $15.1 million for the three months ended September 30, 2025.
Stated in 3 of 3 supplied quarters. Management reported: “|| · | Net interest margin was 3.85% for the three months ended September 30, 2026, compared to 3.58% for the three months ended September 30, 2025.” “Net interest income was $16.7 million for the three months ended September 30, 2026, compared to $15.1 million for the three months ended September 30, 2025.” Net income was $5.727 million in 2026-Q3.
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 66% of the time over the next year (vs 56% for the rest of the cohort, n=7714).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Net interest income was $16.7 million for the three months ended September 30, 2026, compared to $15.1 million for the three months ended September 30, 2025.”
“Net interest income was $16.0 million for the three months ended June 30, 2026, compared to $14.6 million for the three months ended June 30, 2025.”
“Net interest income was $15.1 million for the three months ended March 31, 2026, compared to $13.9 million for the three months ended March 31, 2025.”
Certificates of deposit in amounts of $250,000 or more totaled $126.9 million at September 30, 2026, compared to $160.4 million at December 31, 2025.
Stated in 3 of 3 supplied quarters. Management reported: “Management believes it is useful to calculate and present core deposits because of the positive impact this low cost funding source provides to the Bank’s overall cost of funds and profitability.” “Certificates of deposit in amounts of $250,000 or more totaled $126.9 million at September 30, 2026, compared to $160.4 million at December 31, 2025.”
“Certificates of deposit in amounts of $250,000 or more totaled $126.9 million at September 30, 2026, compared to $160.4 million at December 31, 2025.”
“Certificates of deposit in amounts of $250,000 or more totaled $131.2 million at June 30, 2026, compared to $160.4 million December 31, 2025.”
“Certificates of deposit in amounts of $250,000 or more totaled $143.7 million at March 31, 2026, compared to $160.4 million December 31, 2025.”
|| · | Total loans were $1.30 billion at September 30, 2026, compared to $1.20 billion at December 31, 2025.
Stated in 3 of 3 supplied quarters. Management reported: “|| · | Total loans were $1.30 billion at September 30, 2026, compared to $1.20 billion at December 31, 2025.” “|| · | Total loans were $1.28 billion at June 30, 2026, compared to $1.20 billion at December 31, 2025.”
“|| · | Total loans were $1.30 billion at September 30, 2026, compared to $1.20 billion at December 31, 2025.”
“|| · | Total loans were $1.28 billion at June 30, 2026, compared to $1.20 billion at December 31, 2025.”
“· Total loans were $1.24 billion at March 31, 2026, compared to $1.20 billion at December 31, 2025.”
Focus on maintaining robust cash from operating activities to support operations and growth.
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=9158).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
3 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7436).
Not investment advice. As of 2026-11-05.