Peoples Bancorp of North Carolina, Inc. (PEBK) is a Banks - Regional company in the Financial Services sector, currently trading at $41.93. It has a SharesGrow Score of 59/100, indicating a above average investment profile with 3 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of PEBK = $89.96 (+114.6% from the current price, the stock appears undervalued).
Valuation: PEBK trades at a trailing Price-to-Earnings (P/E) of 17.3 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 4.21.
Financials: revenue is $115M, +17.5%/yr average growth. Net income is $20M, growing at +7.6%/yr. Net profit margin is 17.3% (healthy). Gross margin is 77.7% (-15.5 pp trend).
Balance sheet: total debt is $19M against $157M equity (Debt-to-Equity (D/E) ratio 0.12, conservative). Current ratio is 1.03 (adequate). Debt-to-assets is 1.1%. Total assets: $1.7B.
SharesGrow 7-Criteria breakdown: Value 30/100 (Fail), Growth 73/100 (Pass), Past 100/100 (Pass), Health 50/100 (Partial), Moat 43/100 (Fail), Future ?/100 (Fail), Income 70/100 (Pass).
