Stock Ratings / Financials / PEBK / financials

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Peoples Bancorp of North Carolina Inc. (PEBK) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$44.60 +1.48% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

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.

ROARABLE B- • BUY Cap $243.6M

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

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 C+ · Rk B

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: ±5.3%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How PEBK Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$20.0M (0.5% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$19.8M	$20.0M	12.6%
FY 2024	$4.00B	52%	0%	$16.4M	$20.0M	12.6%
FY 2023	$4.00B	52%	0%	$15.5M	$22.8M	12.6%

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

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring PEBK)

✓Walkthrough of PEBK's RQD Radar, SEC cash-conversion gap & downside invalidation levels
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PEBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.14%📐 HORIZONTAL RANGE

2026-10-30O $44.44H $45.10L $43.74C $44.60VOL 25.9K

RES: $45.59SUP: $42.14SMA50: $43.82SMA200: $41.45

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 #160 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 #160 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%	+1.48%	$243.6M	Benchmark Subject
INBK First Internet Bancorp	D+	52/100	—	—	-9.8%	+2.29%	$238.2M	/inbk-vs-pebk →
EFSI Eagle Financial Services Inc	C	63/100	30.3x	—	4.3%	+1.23%	$249.3M	/efsi-vs-pebk →
CMTV Community Bancorp.	C+	69/100	13.9x	—	14.9%	+1.71%	$236.3M	/cmtv-vs-pebk →
OPBK OP Bancorp	C-	61/100	9.0x	—	11.2%	+0.98%	$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?

As of 2026-11-01, 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 $44.60 (+1.48% 1D, market cap $243.6M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, PEBK ranks #160 in composite RQD confidence.

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

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 (52/100 RQD, P/E N/A, ROIC -9.8%, cap $238.2M) and EFSI (Eagle Financial Services Inc) posts a C grade (63/100 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).

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

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.

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

PEBK last traded at $44.60 (+1.48% on volume of 58,866 shares), positioning the stock +1.78% above its 50-day simple moving average ($43.82) and +7.60% above its 200-day simple moving average ($41.45). Across its 52-week range of $27.33 to $45.78, PEBK sits at the 93.6% percentile with a 14-day RSI of 51.5 (NEUTRAL RANGE) and an implied next-earnings move of ±5.3% ($42.24 to $46.96).