COMP <GO>
PEBK vs EFSI // PIOTROSKI F-SCORE QUALITY
Peoples Bancorp of North Carolina Inc. (NASDAQ) VS. Eagle Financial Services Inc (NASDAQ) • 15-METRIC TALLY: PEBK 4
— EFSI 3
▲ PIOTROSKI F-SCORE QUALITY LEADER: PEBK
LAST: $44.60 (+1.48%) • MKT CAP: $243.6M
piotroski-score
5/9
LAST: $46.06 (+1.23%) • MKT CAP: $249.3M
piotroski-score
4/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PEBK VS. EFSI)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PEBK | EFSI | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 12.60% | 4.30% | +8.30 | PEBK | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.19% | 9.77% | -1.58 | EFSI | /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 | 2.15% | 2.45% | -0.30 | EFSI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 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 | 51.5 | 49.6 | +1.93 | PEBK | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.4x | 28.2x | -16.80 | PEBK | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $243.6M | $249.3M | -$5.7M | EFSI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PEBK REV | EFSI REV | PEBK GROSS % | EFSI GROSS % | PEBK FCF | EFSI FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $20.0M | $24.3M |
| FY 2024 | $0 | $0 | — | — | $20.0M | $17.7M |
| FY 2023 | $0 | $0 | — | — | $22.8M | $6.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PEBK // BETA —
EFSI // BETA —