PEBK
Peoples Bancorp of North Carolina·NASDAQ
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3.84 / 10
Netural
The fundamental assessment yields a 3.8/10 score, flagging a neutral-to-poor structural stance. Key concerns include Cash-MV at 0 (no cushion), Net profit ratio at 0 (inefficiency), and Asset-MV negative (-0.51), while Gross profit margin (36.7%) and Total profit/EBIT (100%) offer limited optimism. Historical back-tests suggest modest monthly returns (2.9-6.9%) but low confidence, reinforcing a cautious view.
Analysis Checks(7/10)
Revenue-MV
Value0.21
Score2/3
Weight15.98%
1M Return6.95%
Value0.21
Score2/3
Weight15.98%
1M Return6.95%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.39%
1M Return3.07%
Value100.00
Score1/3
Weight6.39%
1M Return3.07%
PB-ROE
Value2.46
Score2/3
Weight11.56%
1M Return4.61%
Value2.46
Score2/3
Weight11.56%
1M Return4.61%
ROE (diluted) (%)
Value8.83
Score3/3
Weight10.19%
1M Return4.63%
Value8.83
Score3/3
Weight10.19%
1M Return4.63%
ROE (%)
Value9.43
Score3/3
Weight10.39%
1M Return4.73%
Value9.43
Score3/3
Weight10.39%
1M Return4.73%
Annualized return on equity (%)
Value12.57
Score3/3
Weight10.39%
1M Return4.73%
Value12.57
Score3/3
Weight10.39%
1M Return4.73%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.28%
1M Return3.46%
Value36.70
Score3/3
Weight7.28%
1M Return3.46%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.26%
1M Return3.44%
Value100.00
Score3/3
Weight7.26%
1M Return3.44%
Asset-MV
Value-0.51
Score1/3
Weight14.19%
1M Return5.62%
Value-0.51
Score1/3
Weight14.19%
1M Return5.62%
Cash-MV
Value0.13
Score0/3
Weight6.37%
1M Return2.90%
Value0.13
Score0/3
Weight6.37%
1M Return2.90%
Revenue-MV
Value0.21
Score2/3
Weight15.98%
1M Return6.95%
Value0.21
Score2/3
Weight15.98%
1M Return6.95%
Annualized return on equity (%)
Value12.57
Score3/3
Weight10.39%
1M Return4.73%
Value12.57
Score3/3
Weight10.39%
1M Return4.73%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.39%
1M Return3.07%
Value100.00
Score1/3
Weight6.39%
1M Return3.07%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.28%
1M Return3.46%
Value36.70
Score3/3
Weight7.28%
1M Return3.46%
PB-ROE
Value2.46
Score2/3
Weight11.56%
1M Return4.61%
Value2.46
Score2/3
Weight11.56%
1M Return4.61%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.26%
1M Return3.44%
Value100.00
Score3/3
Weight7.26%
1M Return3.44%
ROE (diluted) (%)
Value8.83
Score3/3
Weight10.19%
1M Return4.63%
Value8.83
Score3/3
Weight10.19%
1M Return4.63%
Asset-MV
Value-0.51
Score1/3
Weight14.19%
1M Return5.62%
Value-0.51
Score1/3
Weight14.19%
1M Return5.62%
ROE (%)
Value9.43
Score3/3
Weight10.39%
1M Return4.73%
Value9.43
Score3/3
Weight10.39%
1M Return4.73%
Cash-MV
Value0.13
Score0/3
Weight6.37%
1M Return2.90%
Value0.13
Score0/3
Weight6.37%
1M Return2.90%
Is PEBK fundamentally strong?
- PEBK scores 3.84/10 on fundamentals and holds a Fair valuation at present. Backed by its 9.43% ROE, 19.51% net margin, 12.38 P/E ratio, 1.41 P/B ratio, and 0.00% earnings growth, these metrics solidify its Netural investment rating.
