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Upturn AI SWOT - About
PEBK 
Peoples Bancorp of North Carolina (PEBK)
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Upturn Advisory Summary
04/01/2025: PEBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 7.07% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 159.55M USD | Price to earnings Ratio 10.21 | 1Y Target Price 13 |
Price to earnings Ratio 10.21 | 1Y Target Price 13 | ||
Volume (30-day avg) 7486 | Beta 0.59 | 52 Weeks Range 23.29 - 32.87 | Updated Date 03/30/2025 |
52 Weeks Range 23.29 - 32.87 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 2.52% | Basic EPS (TTM) 2.95 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.29% | Operating Margin (TTM) 28.91% |
Management Effectiveness
Return on Assets (TTM) 0.99% | Return on Equity (TTM) 13.33% |
Valuation
Trailing PE 10.21 | Forward PE - | Enterprise Value 114588088 | Price to Sales(TTM) 1.79 |
Enterprise Value 114588088 | Price to Sales(TTM) 1.79 | ||
Enterprise Value to Revenue 2.34 | Enterprise Value to EBITDA - | Shares Outstanding 5298740 | Shares Floating 3712616 |
Shares Outstanding 5298740 | Shares Floating 3712616 | ||
Percent Insiders 19.29 | Percent Institutions 42.45 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Peoples Bancorp of North Carolina
Company Overview
History and Background
Peoples Bancorp of North Carolina, Inc. (Peoples) was founded in 1912. It operates as the bank holding company for Peoples Bank, which provides various banking products and services to individuals and businesses primarily in North Carolina. The bank has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Community Banking: Offers a range of deposit accounts, loans (commercial, residential, consumer), and other banking services to individuals and small to medium-sized businesses.
- Wealth Management: Provides trust and wealth management services, including investment management and financial planning.
Leadership and Structure
The company is led by a Board of Directors and an executive management team. The organizational structure includes various departments overseeing lending, operations, finance, and compliance. As of 2023, the CEO is T. Kent Sparrow.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers various commercial loan products, including term loans, lines of credit, and commercial real estate loans. Market share information is not publicly disclosed at a granular product level. Competitors include larger national and regional banks.
- Residential Mortgages: Provides residential mortgage loans to individuals. Market share information is not publicly available at the product level. Competitors include mortgage lenders and larger banks.
- Deposit Accounts: Offers a range of deposit accounts, including checking, savings, and money market accounts. The total market share is small relative to large national competitors.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and competition from fintech companies. Community banks are focused on maintaining relationships with customers to complete with the large entities.
Positioning
Peoples Bancorp of North Carolina positions itself as a community-focused bank providing personalized service. Its competitive advantages lie in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in North Carolina is estimated to be in the billions of dollars. Peoples Bancorp of North Carolina captures a small percentage of this TAM, competing with larger national and regional banks.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic footprint
- Smaller scale compared to larger banks
- Dependence on net interest income
- Vulnerable to economic downturns in its local market
Opportunities
- Expansion into new markets within North Carolina
- Increased adoption of digital banking technologies
- Acquisition of smaller banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates impacting net interest margin
- Economic downturn affecting loan demand and asset quality
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- TFC
- BBT
- USB
Competitive Landscape
Peoples Bancorp of North Carolina competes with larger regional and national banks. It differentiates itself through its local market focus and customer service.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Peoples Bancorp of North Carolina's growth has been moderate, driven by organic expansion and acquisitions.
Future Projections: Analyst estimates are not available.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets.
Summary
Peoples Bancorp of North Carolina is a community-focused bank with strengths in customer relationships and local market expertise. It faces challenges from larger competitors and economic uncertainty. Investment in digital banking and expansion are critical for future growth. Their market share is relatively low compared to key competitors.
Similar Companies
- TFC
- BBT
- USB
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are not publicly available and are estimated based on industry knowledge. Financial data is not provided and is based on information available in SEC filings.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Peoples Bancorp of North Carolina
Exchange NASDAQ | Headquaters Newton, NC, United States | ||
IPO Launch date 1995-08-18 | President & CEO Mr. William D. Cable Sr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 281 | Website https://peoplesbanknc.com |
Full time employees 281 | Website https://peoplesbanknc.com | ||
Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various banking products and services for individuals and small-to medium-sized businesses in the United States. The company offers deposit products. It also originates commercial real estate loans, commercial loans, construction and land development loans, single-family residential mortgage loans, as well as agricultural loans. In addition, the company provides investment counseling and non-deposit investment products, such as stocks, bonds, mutual funds, tax deferred annuities, and related brokerage services; and real estate appraisal and brokerage services. Further, it operates as a clearinghouse for the provision of appraisal services for community banks; and acquires, manages, and disposes of real property, other collateral, and other assets obtained in the ordinary course of collecting debts. Peoples Bancorp of North Carolina, Inc. was founded in 1912 and is headquartered in Newton, North Carolina.
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