COMP <GO>

PEBK vs CMTV // REVENUE GROWTH (YOY)

Peoples Bancorp of North Carolina Inc. (NASDAQ) VS. Community Bancorp. (NASDAQ) • 15-METRIC TALLY: PEBK 6 — CMTV 1

■ METRIC PARITY

LAST: $44.60 (+1.48%) • MKT CAP: $243.6M

revenue-growth

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LAST: $42.19 (+1.71%) • MKT CAP: $236.3M

revenue-growth

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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PEBK VS. CMTV) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	PEBK	CMTV	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	12.60%	14.90%	-2.30	CMTV	/roic <GO>
EV/EBITDA & P/E Valuation	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	8.19%	6.46%	+1.73	PEBK	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	—	—	—	TIE	/net-margins <GO>
Revenue Growth (YoY) ACTIVE	—	—	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	2.15%	1.68%	+0.47	PEBK	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	5/9	4/9	+1.00	PEBK	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	56.4	52.2	+4.20	PEBK	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	11.4x	12.9x	-1.50	PEBK	/forward-pe <GO>
Enterprise Scale & Market Cap	$243.6M	$236.3M	$7.3M	PEBK	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	PEBK REV	CMTV REV	PEBK GROSS %	CMTV GROSS %	PEBK FCF	CMTV FCF
FY 2025	$0	$0	—	—	$20.0M	$15.3M
FY 2024	$0	$0	—	—	$20.0M	$15.0M
FY 2023	$0	$0	—	—	$22.8M	$14.9M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

PEBK // BETA —

CMTV // BETA —