Peoples Bancorp of North Carolina (PEBK) Fundamental Analysis: Revenue, Earnings & Valuation

5.84 / 10

Netural

Fundamental analysis rates the company neutral with a 5.8/10 score. Strengths include Profit‑MV, Cash‑UP, gross margin and strong PB‑ROE, while Cash‑MV and Asset‑MV lag. Overall metrics indicate fair quality and selective investment appeal.

Analysis Checks(8/10)

Gross profit margin (%)

Value41.83

Score3/3

Weight6.54%

1M Return3.70%

Current liabilities / Total liabilities (%)

Value48.71

Score3/3

Weight6.54%

1M Return3.70%

Profit-MV

Value1.27

Score3/3

Weight15.43%

1M Return7.25%

Net income-Revenue

Value0.37

Score3/3

Weight14.22%

1M Return6.99%

PB-ROE

Value-0.95

Score3/3

Weight15.48%

1M Return7.21%

Non-current liabilities / Total liabilities (%)

Value53.45

Score3/3

Weight6.54%

1M Return3.70%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight6.54%

1M Return3.70%

Cash-UP

Value-0.34

Score3/3

Weight9.06%

1M Return5.00%

Asset-MV

Value-0.55

Score1/3

Weight13.24%

1M Return6.12%

Cash-MV

Value-0.47

Score0/3

Weight6.41%

1M Return3.50%

Is PEBK fundamentally strong?

PEBK scores 5.84/10 on fundamentals and holds a Fair valuation at present. Backed by its 13.79% ROE, 22.03% net margin, 10.88 P/E ratio, 1.37 P/B ratio, and 21.43% earnings growth, these metrics solidify its Netural investment rating.