COMP <GO>
INBK vs PEBK // EV/EBITDA & P/E VALUATION
First Internet Bancorp (NASDAQ) VS. Peoples Bancorp of North Carolina Inc. (NASDAQ) • 15-METRIC TALLY: INBK 0
— PEBK 6
■ METRIC PARITY
LAST: $27.27 (+2.29%) • MKT CAP: $238.2M
valuation
—
LAST: $44.60 (+1.48%) • MKT CAP: $243.6M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (INBK VS. PEBK)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | INBK | PEBK | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -9.80% | 12.60% | -22.40 | PEBK | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 0.93% | 8.19% | -7.26 | PEBK | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.88% | 2.15% | -1.27 | PEBK | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 3/9 | 5/9 | -2.00 | PEBK | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 43.1 | 51.5 | -8.42 | PEBK | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 11.4x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $238.2M | $243.6M | -$5.4M | PEBK | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | INBK REV | PEBK REV | INBK GROSS % | PEBK GROSS % | INBK FCF | PEBK FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $2.2M | $20.0M |
| FY 2024 | $0 | $0 | — | — | $10.4M | $20.0M |
| FY 2023 | $0 | $0 | — | — | $11.7M | $22.8M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
INBK // BETA —
PEBK // BETA —