INBK (49) EFSI (64) CMTV (70) OPBK (66) ⌘ Pro Terminal →

Peoples Bancorp of North Carolina Inc. (PEBK) — RQD Stock Rating Cockpit

$44.04 -1.27% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $44.05

Peoples Bancorp of North Carolina Inc. (PEBK) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 13% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate) →

ROARABLE B- • BUY Cap $243.6M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PEBK Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PEBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Peoples Bancorp of North Carolina Inc. (NASDAQ: PEBK) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $44.04 (-1.27% 1D, market cap $243.6M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, PEBK ranks #138 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PEBK compare to INBK and EFSI in the Financials sector?

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Within the Financials sector (Major Banks), PEBK carries a Roarable B- (70/100 RQD), trailing P/E of 12.3x, gross margin of —, and ROIC of 12.6%. By comparison, INBK (First Internet Bancorp) holds a D grade (49/100 RQD, P/E N/A, ROIC -9.8%, cap $238.2M) and EFSI (Eagle Financial Services Inc) posts a C grade (64/100 RQD, P/E 30.3x, ROIC 4.3%, cap $249.3M). Among the 5-stock peer group, OPBK leads on earnings multiple (9.0x) while CMTV leads on capital efficiency (14.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PEBK?

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Per PEBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001093672), Peoples Bancorp of North Carolina Inc. generated $0 in revenue, $19.8M in net income, and $20.0M in free cash flow against $1.70B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $44.04 (+0.01%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 0.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk C+

Each axis scored 0–20

12M PRICE TARGET CONE+5.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PEBK)Realized 20D OHLCV Swing Band: ±5.1%

Deterministic 5-Pillar Attribution (70/100 Composite)

🔍 WHY PEBK SCORES 70/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Macro Regime Fit+14/20 pts (20% of score)

FRED Regime × Technicals: 91% of 52W Range • RSI-14 at 56.4 (BULLISH MOMENTUM)

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade A-$44.61-1.6% Next Q

Q2 (-2Q)

Grade B+$43.89-0.7% Next Q

Q3 (-1Q)

Grade B$43.57+1.1% Next Q

Current

Grade B-$44.04+6.6% Hist 90D α

Trajectory: A- (78) → B- (70)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PEBK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 70/100 (B-) score, PEBK faces multiple-compression risk if 12.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($43.83) or 200D SMA ($41.49) invalidates the momentum regime and cuts Target Base ($46.42) toward Bear Floor ($36.11).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PEBK• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “PEBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 70%NO 30%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

56.430 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE91% OF RANGE

L: $27$44.04H: $46

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 30 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C+RQD 27 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on PEBK

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (65)

12.6% ROIC with 42.0% gross margin and 8.19% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (73)

30/40 institutional & smart-money positioning score with 14/20 macro alignment.

Bull Case: Why Buyers Like PEBK

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (PEBK Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

PEBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +11.16%📐 HORIZONTAL RANGE

2026-11-02O $43.95H $44.60L $43.95C $44.04VOL 58.9K

RES: $45.58SUP: $42.16SMA50: $43.83SMA200: $41.49

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PEBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PEBK Butterfly Map → + Track PEBK →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

3.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on PEBK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PEBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for PEBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PEBK)

Financials Rank #138 of 1096 ⚔️ INBK vs PEBK Full Matrix →

1. Head-to-Head Financials Peer Comparison (PEBK vs. INBK, EFSI, CMTV, OPBK)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Peoples Bancorp of North Carolina Inc. (PEBK) ranks #138 by composite RQD confidence (70/100, grade B-) and #854 by equity capitalization ($243.6M). Within this direct 5-issuer industry benchmark cohort, OPBK leads on earnings valuation at 9.0x trailing P/E, while CMTV leads on capital efficiency and profitability with 14.9% ROIC and — gross margin. PEBK currently leads its immediate peer cohort in composite quantitative strength at 70/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PEBK ACTIVE Peoples Bancorp of North Carolina Inc.	B-	70/100	12.3x	—	12.6%	-1.27%	$243.6M	Benchmark Subject
INBK First Internet Bancorp	D	49/100	—	—	-9.8%	-5.35%	$238.2M	/inbk-vs-pebk →
EFSI Eagle Financial Services Inc	C	64/100	30.3x	—	4.3%	-0.98%	$249.3M	/efsi-vs-pebk →
CMTV Community Bancorp.	B-	70/100	13.9x	—	14.9%	-0.47%	$236.3M	/cmtv-vs-pebk →
OPBK OP Bancorp	C+	66/100	9.0x	—	11.2%	-2.33%	$230.6M	/opbk-vs-pebk →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001093672

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Peoples Bancorp of North Carolina Inc. (PEBK) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $19.8M, operating cash flow of $21.4M, and free cash flow of $20.0M (-0.1% YoY). On the balance sheet, PEBK closed FY2025 with $1.70B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$19.8M	$21.4M	$20.0M	$1.70B	—
FY2024 (FY)	2024-12-31	$0	$16.4M	$20.6M	$20.0M	$1.65B	—
FY2023 (FY)	2023-12-31	$0	$15.5M	$22.8M	$22.8M	—	—

3. PEBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PEBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does PEBK compare to INBK and EFSI in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for PEBK?

Where is PEBK trading relative to its 50-day, 200-day, and 52-week technical levels?

PEBK last traded at $44.04 (-1.27% on volume of 25,897 shares), positioning the stock +0.48% above its 50-day simple moving average ($43.83) and +6.15% above its 200-day simple moving average ($41.49). Across its 52-week range of $27.33 to $45.78, PEBK sits at the 90.6% percentile with a 14-day RSI of 56.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.1% ($41.79 to $46.29).

PEBK Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell PEBK stock right now?

Peoples Bancorp of North Carolina Inc. (PEBK) currently earns a Roarable Rating of B- (Buy — BUY) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 13% return on capital) with steady institutional support.

What is PEBK's 12-month price target and RQD AI Jury consensus?

PEBK's 12-month base price target is $46.42 (range $36.11 to $54.78), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: PEBK RQD Cockpit PEBK 12M Forecast PEBK Earnings & Move PEBK Dividends & DRIP PEBK Insiders & 13F PEBK Whale Options PEBK Profit Sankey PEBK News & Why