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
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -2.1% |
| Our one-year growth estimate | diamond | 8.8% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 10.9 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Worth watching into the next print: this name has erratic recent earnings surprises and has been missing across recent quarters. A fundamental tilt, not a price call.
Model as of 2026-09-04 · Compared with 220 industry peers
PEBK — director transition
Dated 2026-07-21
Director — Michael B. Hollar: Election of Michael B. Hollar to the Boards of Directors of the Company and Bank.
Why it matters: Keeping or raising dividends shows good capital use. This helps investor trust.
Supportive ifQ3 dividends declared at $0.59 or higher.
Worry ifQ3 dividends drop below $0.59.
Why it matters: A drop in the net interest margin could signal weakening profitability. This is key for earnings growth.
Worry ifQ3 net interest margin is below 3.74%.
Less concerning ifQ3 net interest margin remains above 3.74%.
Why it matters: Slower loan growth could signal weakening demand. This impacts net interest income and earnings.
Worry ifLoan growth in Q3 reported under $36 million.
Less concerning ifLoan growth in Q3 exceeds $36 million.
Why it matters: Revenue growth has been strong, but a drop below 15% signals a slowdown. This could impact investor confidence.
Worry ifQ2 revenue growth reported below 15% year over year.
Less concerning ifQ2 revenue growth remains at or above 15% year over year.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$84 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $275 loss on $10,000 · 2.7% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,294 loss on $10,000 · 12.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: A strong earnings report would support the recent earnings beat and positive outlook.
Supportive ifQ1 earnings show a year-over-year increase of at least 10%.
Worry ifQ1 earnings drop compared to last year or do not meet expectations.
Why it matters: A drop in non-interest income can show weak revenue. This impacts profitability.
Worry ifNon-interest income is below $6.5 million in Q3.
Less concerning ifNon-interest income remains at or above $6.5 million in Q3.
Why it matters: Keeping or raising the dividend shows good money management. It helps shareholders.
Supportive ifQ3 dividend per share reported at or above $0.38.
Worry ifQ3 dividend per share drops below $0.38.
Why it matters: Earnings above this level show steady profits and growth. It shows what management values.
Supportive ifQ3 net earnings reported above $5 million.
Worry ifQ3 net earnings fall below $5 million.
Why it matters: Keeping or raising dividends shows good use of money. It builds trust with shareholders.
Supportive ifDividends remain at or above $0.59 per share.
Worry ifDividends drop below $0.59 per share.
Why it matters: Loan growth shows demand and profit potential. It matches management's goal of growth.
Supportive ifTotal loans reported above $1.30 billion.
Worry ifTotal loans reported below $1.30 billion.
Why it matters: Fewer non-performing assets mean better credit quality. It shows how well the bank manages risk.
Supportive ifNon-performing assets are less than 0.30% of total assets.
Worry ifNon-performing assets are more than 0.30% of total assets.