PEBK
Peoples Bancorp of North Carolina, Inc.Financial Services·Banks - Regional
$42.10
$230M market cap
Revenue
$58.5M
Free Cash Flow
$9.6M
Rev Growth
+0.0%
FCF Margin
16.5%
P/FCF
23.9x
EV/FCF
22.5x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various commercial and consumer banking products and services to individuals and small to medium-sized businesses. It offers checking, savings, money market, and time deposits; demand deposits; and certificates of deposit, as well as borrowed funds. The company's loan products comprise commercial real estate, commercial, construction and land development, single-family residential, residen
2-Year Price History
$42.05+48.6%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 27.4 | 5.7 | 5.7 | 4.4 | 5.0 | 4.6 | -0.5 | 31.9 | 18.9 | 5.5 | 25.1% | 1.0x | -- |
| Act | 2025-Q4 | 31.2 | 9.4 | 8.8 | 6.6 | 5.3 | 5.1 | -0.2 | 275.0 | 19.1 | 8.0 | 37.8% | 1.5x | -- |
Valuation & Metrics
Market Stats
Price$42.10
Market Cap$230M
Enterprise Value$217M
P/S Ratio3.9x
P/FCF23.9x
EV/FCF22.5x
FCF Margin (TTM)16.5%
FCF Yield4.2%
Dividend Yield (TTM)2.4%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$58.5M
Net Income$11.0M
Free Cash Flow$9.6M
Revenue Growth (YoY)+0.0%
EBITDA Margin25.7%
Net Margin18.9%
FCF Margin16.5%
CapEx % of Revenue1.2%
SBC % of Revenue0.2%
ROIC31.5%
WC Change % Rev0.0%
Interest Coverage1.3x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.1M
Days to Cover1.5
Change (vs Prior)+3.3%
Need at least 2 settlement dates for chart
Employees
Headcount281
Revenue / Employee$208,185
Gross Profit / Employee$162,448
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
24.5%(+8.5% YoY)
70 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
15.8%(+4.4% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.0%(-0.1% YoY)
2 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| WELLINGTON MANAGEMENT GROUP LLP | $16.4M | $29.33 | −$2.7M | −$3.3M | -0.3% | $533.98B |
| BlackRock, Inc.Passive | $11.4M | $24.20 | −$111K | −$1.9M | -0.2% | $5.69T |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $9.0M | $39.16 | +$9.0M | +$9.0M | — | $4.04T |
| GENDELL JEFFREY L | $8.5M | $18.25 | +$0 | +$0 | +8.5% | $7.34B |
| Fourthstone LLC | $7.6M | $28.86 | +$1.6M | +$7.0M | -1.8% | $590M |
| DIMENSIONAL FUND ADVISORS LPPassive | $6.6M | $30.42 | +$290K | +$605K | -0.4% | $480.92B |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $4.2M | $27.06 | −$125K | −$102K | +2.3% | $1.61T |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3.2M | $27.00 | +$286K | +$294K | -2.3% | $4.93B |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $2.4M | $24.58 | −$6K | −$38K | +0.1% | $184.72B |
| STATE STREET CORPPassive | $2.1M | $27.73 | −$275K | −$166K | -0.2% | $2.89T |
| MALTESE CAPITAL MANAGEMENT LLC | $2.0M | $27.56 | +$0 | +$513K | -0.7% | $508M |
| RENAISSANCE TECHNOLOGIES LLC | $1.5M | $28.05 | +$368K | +$165K | +1.2% | $63.91B |
| Empowered Funds, LLC | $1.4M | $20.78 | +$44K | +$51K | +0.2% | $15.64B |
| NORTHERN TRUST CORPPassive | $1.4M | $25.23 | +$56K | −$110K | -0.2% | $755.34B |
| Pinnacle Holdings, LLC | $1.4M | $23.96 | +$0 | +$0 | -0.2% | $288M |
| AMG National Trust Bank | $1.3M | $28.72 | +$0 | −$19K | -0.2% | $4.60B |
| AMERICAN CENTURY COMPANIES INC | $1.2M | $27.94 | +$293K | +$293K | +0.7% | $193.48B |
| VANGUARD FIDUCIARY TRUST COPassive | $1.2M | $39.16 | +$1.2M | +$1.2M | — | $395.83B |
| HoldCo Asset Management, LP | $990K | $23.96 | +$0 | +$990K | -0.6% | $1.34B |
| VANGUARD PORTFOLIO MANAGEMENT LLCPassive | $952K | $39.16 | +$952K | +$952K | — | $1.91T |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
+0.83%
avg per quarter
Holders (ex-self)
+0.86%
excl. this stock
Buyers (this Q)
-0.56%
33 buyers · $0.02B in
Sellers (this Q)
-0.25%
28 sellers · $0.00B out
alpha coverage: 88% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
-5.5%
how holders react when this stock falls
On quiet Qs
-4.2%
−10% to +10% baseline
On rallies (+10%+)
-5.9%
how they react when this stock rises
Holders' portfolio flow this Q
+1.7%
inflows — adds are organic
Sellers' portfolio flow this Q
+7.2%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-5.0%
Holder mid (any stock)
-4.6%
Holder rally (any stock)
-5.1%
Biggest decreases this quarter
New buyers this quarter
Top-5 holders · 56.4%
WELLINGTON MANAGEMENT GROUP LLP--
BlackRock, Inc.--
VANGUARD CAPITAL MANAGEMENT LLC--
GENDELL JEFFREY L--
Fourthstone LLC--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
WELLINGTON MANAGEMENT GROUP LLP419KFourthstone LLC195KSTRATEGIC VALUE BANK PARTNERS LLC—GENDELL JEFFREY L218KRhino Investment Partners, Inc—HoldCo Asset Management, LP25KBRIDGEWAY CAPITAL MANAGEMENT, LLC81KUBS Group AG8KARROWSTREET CAPITAL, LIMITED PARTNERSHIP61KRiver Oaks Capital LLC—
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$0
0 txns · 0 insiders · 0 sh
Sells ($, 12mo)
$374K
19 txns · 1 insider · 10,800 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-05-14 | SELL | ABERNETHY JAMES S | director | 600 | $40.20 | $24K | $2.76M |
| 2026-04-30 | SELL | ABERNETHY JAMES S | director | 600 | $39.35 | $24K | $2.72M |
| 2026-04-24 | SELL | ABERNETHY JAMES S | director | 600 | $39.50 | $24K | $2.76M |
| 2026-04-23 | SELL | ABERNETHY JAMES S | director | 600 | $40.06 | $24K | $1.46M |
| 2026-03-03 | SELL | ABERNETHY JAMES S | director | 477 | $37.60 | $18K | $2.65M |
| 2026-02-27 | SELL | ABERNETHY JAMES S | director | 523 | $38.91 | $20K | $2.78M |
| 2026-02-24 | SELL | ABERNETHY JAMES S | director | 600 | $38.16 | $23K | $2.74M |
| 2026-02-09 | SELL | ABERNETHY JAMES S | director | 1,000 | $38.34 | $38K | $2.78M |
| 2026-02-04 | SELL | ABERNETHY JAMES S | director | 600 | $37.27 | $22K | $1.38M |
| 2025-12-02 | SELL | ABERNETHY JAMES S | director | 300 | $32.35 | $10K | $2.17M |
| 2025-11-26 | SELL | ABERNETHY JAMES S | director | 598 | $32.03 | $19K | $1.20M |
| 2025-11-25 | SELL | ABERNETHY JAMES S | director | 2 | $33.00 | $66 | $1.26M |
| 2025-11-03 | SELL | ABERNETHY JAMES S | director | 800 | $29.05 | $23K | $1.95M |
| 2025-10-28 | SELL | ABERNETHY JAMES S | director | 600 | $30.95 | $19K | $1.18M |
| 2025-09-03 | SELL | ABERNETHY JAMES S | director | 600 | $31.01 | $19K | $1.20M |
| 2025-08-25 | SELL | ABERNETHY JAMES S | director | 600 | $31.15 | $19K | $2.12M |
| 2025-08-04 | SELL | ABERNETHY JAMES S | director | 600 | $28.01 | $17K | $2.01M |
| 2025-07-31 | SELL | ABERNETHY JAMES S | director | 600 | $28.58 | $17K | $1.11M |
| 2025-05-23 | SELL | ABERNETHY JAMES S | director | 500 | $29.25 | $15K | $2.11M |
Order Flow (FINRA, ~3w lag)
11.9%retail-2.6pp
23.6%dark+3.1pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.