PEOPLES BANCORP OF NORTH CAROLINA (PEBK)
Financials · Regional Banks · NASDAQ
A community-oriented financial institution based in Newton, North Carolina, providing traditional banking and related investment services to individuals and businesses in the Catawba Valley and surrounding areas.
What PEOPLES BANCORP OF NORTH CAROLINA does
Peoples Bancorp of North Carolina, Inc. is a bank holding company that operates primarily through its subsidiary, Peoples Bank. The Bank provides a range of commercial and retail banking services, including commercial loans, real estate mortgage and construction loans, and consumer loans to individuals and small-to-medium-sized businesses in the Catawba Valley and surrounding North Carolina communities. Additionally, it offers investment counseling, brokerage services, and real estate appraisal services through its various subsidiaries.
Themes: community banking, commercial lending, real estate lending, wealth management services
Fundamentals
- Price$44.25 as of 2026-10-08 close
- Market cap$242M as of 2026-07-31 (share count; price 2026-10-08)
- 1-year return+45.3% 2025-10-08 close $30.46 → 2026-10-08 close $44.25
- P/E12.14 as of 2026-10-08
- ROE+12.6% FY2025, SEC XBRL
- Debt / equity0.10 as of 2026-09-02
- Beta0.71 as of 2026-09-02
- Last reported earnings2026-07-20 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +1.9%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
How PEBK compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-02
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-02
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, PEBK's dividend was covered by reported results (earnings payout 26%, free-cash-flow payout 26%). This describes past coverage, not a forecast.
- Earnings payout26% dividends / net income
- Free-cash-flow payout26% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How PEOPLES BANCORP OF NORTH CAROLINA looks technically
PEOPLES BANCORP OF NORTH CAROLINA (PEBK) is trading 8.5% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 319 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 13, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 54, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive). It made a new 20-day low about 12 trading days ago. It is 3.2% below its all-time high.
Trend
8
| Distance from the 200-day | it is trading 8.5% above its 200-day average, the long-term trend line — a longer-term uptrend | +8.5% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $43.76 | $43.76 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $40.78 | $40.78 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 41.91. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 319 trading days ago — a "golden cross", a bullish long-term signal | 319 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 13, below the 25 that marks a real trend) | 12.7 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 54, neither overbought (above 70) nor oversold (below 30) | 54.2 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($41.91 to $44.78) — its "stochastic" reading is 81 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 81.4 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive) | 3 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $45.69 | $45.69 |
|---|---|---|
| From the 52-week high | it is 3.2% below its 52-week high (its highest price of the past year) | -3.1% |
| Above the 52-week low | it is 61.9% above its 52-week low (its lowest price of the past year) | +61.9% |
| Below the 52-week high | it is 3.2% below its highest point of the past year | 3.1% |
| Since a 20-day breakout | it made a new 20-day low about 12 trading days ago | 12 sessions |
| Since a 55-day breakout | it made a new 55-day high about 37 trading days ago | 37 sessions |
| All-time high | its highest closing price on record is $45.69 (set on 2026-08-17) | $45.69 |
| Given back of the 52-week move | over the past year its closes ranged ($28.20 to $45.25), and it has given back only a small part of its rise from last year’s low — 6% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $34.17 to $34.71. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 5.9% |
| From the all-time high | it is 3.2% below its all-time high | -3.1% |
| Nearest price level | it is trading 1.9% above a support level at $43.41 — a price it turned at twice since 2026-05-22, most recently on 2026-07-20. Since 2024-10-08 it has 15 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -1.9% |
| All-time low | its lowest closing price on record is $3.59 (set on 2009-12-03) | $3.59 |
| Above the all-time low | it is 1132.3% above its all-time low | +1,132% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 79% of it) | 21st percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.03 between its high and its low — about 2.3% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.03 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $42.64 and $44.87 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $42.64 – $43.76 – $44.87 |
| Typical daily range (% of price) | its price moves about 2.3% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.3% |
| Stretch from the 200-day average | it is trading 3.4 daily ranges above its 200-day average price (8.5% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 3.4 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.86× |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.3% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.3% |
|---|---|---|
| Gap filled | a 2.1% gap down opened on 2026-09-23 has been "filled" 4 sessions ago — price traded back through the level the gap left behind, and it took 7 sessions to close | 4 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 1.2 percentage points (the stock gained 2.3% while the market gained 1.0%) | +1.3% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 1.1 percentage points (the stock gained 4.9% while the market gained 3.8%) | +1.1% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 7.7 percentage points (the stock gained 9.8% while the market gained 17.5%) | -7.7% |
| vs market, 12 months | over the past 12 months this stock beat the market by 30.3 percentage points (the stock gained 45.3% while the market gained 15.0%) | +30.3% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, MACD momentum is positive, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: lagging the market over 6 months, near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 0.7% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 0.9% of the share price, which is taken to mean a barrier that gives way easily. | +0.7% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 7% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $41.43 — a volume-weighted average of daily closes over 191 sessions, not a true tick-by-tick VWAP. | +6.8% |
|---|
Price levels it has turned at before
PEBK last closed at $44.25 on 2026-10-08. Since 2024-10-08 it has turned at 15 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $43.41 | Support | 1.9% below the last close | turned there twice · 2026-05-22 to 2026-07-20 |
| $45.27 | Resistance | 2.3% above the last close | turned there five times · 2026-06-26 to 2026-09-15 |
| $42.41 | Support | 4.2% below the last close | turned there four times · 2026-04-08 to 2026-09-23 |
| $41.42 | Support | 6.4% below the last close | turned there 7 times · 2026-02-18 to 2026-10-01 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $41.91.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This reading has stood for 17 trading days, since 2026-09-16.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · MACD just crossed bullish (12/26/9) · trendless / choppy (low ADX) · Near the all-time high · lagging the market · At the top of its 14-day range (stochastic above 80) | Learn: moving average · golden cross · adx · rsi · macd · breakout · all time high
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Exposure to adverse changes in interest rates and interest rate spreads.","Credit risk associated with non-performing assets and potential loan losses.","Concentration of operations within a specific geographic footprint in North Carolina."]
What changed in the latest 10-Q
AI-assisted comparison of PEBK's 10-Q filed 2026-05-07 against the prior one filed 2025-11-04.
Management's Discussion & Analysis (MD&A)
- Reworded:
- Item 2 page range changed from 29-40 (filed 2025-11-04) to 30-36 (filed 2026-05-07)
- Item 3 page number changed from 41 (filed 2025-11-04) to 37 (filed 2026-05-07)
- Item 4 page number changed from 41 (filed 2025-11-04) to 37 (filed 2026-05-07)
- Item 1 (Legal Proceedings) page number changed from 42 (filed 2025-11-04) to 38 (filed 2026-05-07)
- Notes:
- These are table of contents page references only; actual content changes cannot be assessed from this excerpt alone
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
1 open-market purchase and 11 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-041 buy ($17198) · 11 sells ($1M) — 1 buying, 3 selling insiders
- Last 180 days · read to 2026-10-041 buy ($17198) · 11 sells ($1M) — 1 buying, 3 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-09-02. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about PEBK's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding PEBK as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 496,645
- Reported value $21,400,431
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about PEBK's institutional holders → See what each manager we track holds →
Short interest (FINRA)
PEBK had 93,764 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
PEBK had 1.72% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.69 days to cover at the same settlement.
- Reported short interest (shares) 93,764
- Short interest (% of shares outstanding) 1.72%
- Prior settlement (shares) 94,845
- Reported change -1.14%
- Days to cover (reported) 4.69
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Truist Financial (TFC)
- Bank of America (BAC)
- Wells Fargo (WFC)
- First Citizens BancShares (FCNCA)
- United Community Banks
- Uwharrie Capital Corp (UWHR)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does PEOPLES BANCORP OF NORTH CAROLINA (PEBK) do?
Peoples Bancorp of North Carolina, Inc. is a bank holding company that operates primarily through its subsidiary, Peoples Bank. The Bank provides a range of commercial and retail banking services, including commercial loans, real estate mortgage and construction loans, and consumer loans to individuals and small-to-medium-sized businesses in the Catawba Valley and surrounding North Carolina communities.
What sector is PEOPLES BANCORP OF NORTH CAROLINA (PEBK) in?
PEOPLES BANCORP OF NORTH CAROLINA (PEBK) is classified in the Financials sector. Its industry is Regional Banks. It trades on NASDAQ.
Does PEBK pay a dividend?
Yes — PEOPLES BANCORP OF NORTH CAROLINA (PEBK) pays a dividend, with an indicated yield of about 1.91% and 5-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-09-02). Informational only — not financial advice.
Who are PEOPLES BANCORP OF NORTH CAROLINA's (PEBK) competitors?
Notable peers of PEOPLES BANCORP OF NORTH CAROLINA (PEBK) include Truist Financial, Bank of America, Wells Fargo, First Citizens BancShares and United Community Banks. This peer set is informational only — not financial advice.
Is PEOPLES BANCORP OF NORTH CAROLINA (PEBK) overbought or oversold right now?
PEOPLES BANCORP OF NORTH CAROLINA (PEBK) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 54, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on PEBK come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.