logo
logo
Peoples Bancorp of North Carolina, Inc.

Peoples Bancorp of North Carolina, Inc.

NASDAQ•PEBK
CEO: Mr. William D. Cable Sr.
セクター: Financial Services
業種: Banks - Regional
上場日: 1985-10-16
Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various banking products and services for individuals and small-to medium-sized businesses. It offers checking, savings, money market, and retirement accounts; certificates of deposits; and credit and debit cards. The company also originates commercial real estate loans, commercial loans, construction and land development loans, and residential mortgage loans; and individual taxpayer identification number mortgage loans, as well as agricultural loans. In addition, it provides investment counseling and non-deposit investment products, such as stocks, bonds, mutual funds, tax deferred annuities, and related brokerage services; and real estate appraisal and brokerage services. Further, the company operates as a clearing-house for the provision of appraisal services for community banks; and acquires, manages, and disposes real property, other collateral, and other assets obtained in the ordinary course of collecting debts. Peoples Bancorp of North Carolina, Inc. was founded in 1912 and is headquartered in Newton, North Carolina.
連絡先情報
518 West C Street, Newton, NC, 28658, United States
828-464-5620
www.peoplesbanknc.com
時価総額
$204.40M
PER (TTM)
16.1
14.8
配当利回り
2.0%
52週高値
$39.46
52週安値
$23.74
52週レンジ
94%
順位28Top 16.1%
5.3
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 5.3 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$31.15M+26.00%
直近4四半期の推移

EPS

$0.80+19.40%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

NII Expansion Strong 9-month NII (taxable equivalent) reached $43.7M, up $3.4M year-over-year; Net Interest Spread improved to 2.86%.
Loan Portfolio Growth Total loans grew 4.0% to $1.18B by September 30, 2025; Non-interest income increased to $21.3M driven by fee income.
Capital Ratios Strengthened CET1 ratio rose to 13.68% and Total Risk-Based Capital ratio reached 15.70%, demonstrating robust capital adequacy.
Net Earnings Increased Nine-month net earnings rose to $13.2M from $12.8M last year; diluted EPS increased to $2.41 per share.

リスク要因

Increased Credit Provisioning Provision for credit losses for nine months was $585K expense versus $80K recovery last year, reflecting higher construction loan reserves.
Interest Rate Sensitivity Average loan yield decreased slightly to 5.06% for nine months, indicating potential pressure from lower FOMC target rates.
Loan Portfolio Concentration Substantial portion of loan portfolio collateralized by real estate, dependent on local market conditions and property values.
Litigation Expense Impact Legal fees increased significantly due to NCDOT litigation, impacting non-interest expense during the reporting period.

見通し

Credit Quality Monitoring Management continues rigorous loan grading and qualitative adjustments for ACL estimation under CECL methodology.
Liquidity Position Stable Liquidity ratio remains strong at 30.14%, well above the 10% minimum required ratio, supported by core deposits.
Capital Buffer Maintained Capital levels remain significantly above "well capitalized" thresholds, allowing flexibility for operations and potential growth.
Moderate Economic Growth Expect continued moderate economic growth locally, though national market uncertainty remains a factor influencing credit risk.

同業比較

売上高 (TTM)

Meridian CorporationMRBK
$205.49M
+4.1%
Hanover Bancorp, Inc.HNVR
$143.32M
-3.4%
MainStreet Bancshares, Inc.MNSB
$135.47M
-1.7%

粗利益率 (最新四半期)

United Security BancsharesUBFO
80.5%
+10.2pp
Peoples Bancorp of North Carolina, Inc.PEBK
79.1%
+4.8pp
First Capital, Inc.FCAP
76.9%
+4.2pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
MRBK$230.23M10.611.8%6.5%
PEBK$204.40M16.113.5%0.9%
CFBK$203.37M11.57.4%5.8%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
9.3%
安定成長
4四半期純利益CAGR
15.1%
収益性の大幅な改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月20日
|
EPS:-
|
売上高:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月4日|
    売上高: $24.87M+0.3%
    |
    EPS: $0.70-6.7%
    不明

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月5日|
    売上高: $25.03M+1.6%
    |
    EPS: $0.97+4.3%
    不明

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月6日|
    売上高: $23.84M+0.9%
    |
    EPS: $0.82+10.8%
    不明

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月12日|
    売上高: $97.79M+14.0%
    |
    EPS: $3.08+7.3%
    不明

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月5日|
    売上高: $24.79M+10.2%
    |
    EPS: $0.75-1.3%
    予想を下回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月6日|
    売上高: $24.64M+13.7%
    |
    EPS: $0.93+5.7%
    予想を下回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月2日|
    売上高: $23.63M+27.8%
    |
    EPS: $0.74+27.6%
    予想を下回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月7日|
    売上高: $85.78M+21.3%
    |
    EPS: $2.87-2.4%
    予想を上回る