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About the company
Peoples Bancorp of North Carolina, Inc. is a holding company for Peoples Bank (the Bank). The Bank is a state-chartered commercial bank serving the citizens and business interests of the Catawba Valley and surrounding communities. The Bank has a diversified loan portfolio, with no foreign loans and few agricultural loans. The Bank's loan portfolio consists of construction and land development loans, single-family residential loans, commercial real estate loans and commercial loans. The Bank operates approximately 17 banking offices, located in Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, Charlotte, Cornelius, Mooresville, Raleigh, and Cary, North Carolina. The Bank also operates loan production offices in Charlotte, Denver, Salisbury and Winston-Salem North Carolina. The Bank's subsidiaries include Peoples Investment Services, Inc., Real Estate Advisory Services, Inc., Community Bank Real Estate Solutions, LLC and PB Real Estate Holdings, LLC.
- Revenue in USD (TTM)49.25m
- Net income in USD14.98m
- Incorporated1999
- Employees287.00
- LocationPeoples Bancorp of North Carolina Inc518 W C St, 518 WEST C STREETNEWTON 28658-4007United StatesUSA
- Phone+1 (828) 464-5620
- Fax+1 (828) 465-6780
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| First Community Corp (South Carolina) | 47.72m | 14.49m | 155.84m | 251.00 | 10.79 | 1.37 | 9.53 | 2.67 | 1.91 | 1.91 | 7.69 | 15.07 | -- | -- | -- | -- | 0.9021 | 0.9203 | -- | -- | -- | -- | 24.80 | 22.20 | -- | -- | -- | 29.14 | 8.55 | 10.00 | 53.13 | 18.27 | -8.05 | 8.45 |
| FNCB Bancorp Inc | 56.53m | 19.48m | 156.66m | 204.00 | 8.10 | 1.40 | 7.44 | 2.58 | 0.983 | 0.983 | 3.06 | 5.67 | -- | -- | -- | -- | 1.16 | 1.07 | -- | -- | -- | -- | 32.10 | 28.98 | -- | -- | -- | 27.33 | 11.57 | 8.27 | 39.25 | 27.64 | 8.42 | 24.57 |
| First Savings Financial Group Inc | 71.00m | 16.44m | 159.18m | 550.00 | 9.76 | -- | 10.06 | 1.42 | 2.30 | 2.30 | 15.67 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 14.70 | 18.19 | -- | -- | -- | -- | 8.79 | 15.92 | -44.38 | 12.04 | -- | 17.61 |
| Bogota Financial Corp | 27.47m | 7.01m | 160.56m | 73.00 | 22.68 | 1.14 | 21.40 | 6.68 | 0.5036 | 0.5036 | 1.73 | 10.04 | -- | -- | -- | -- | 0.7867 | -- | -- | -- | -- | -- | 29.17 | -- | -- | -- | -- | -- | 7.70 | -- | 263.60 | -- | -- | -- |
| Oak Valley Bancorp | 53.28m | 16.89m | 161.13m | 178.00 | 9.47 | 1.52 | 8.85 | 2.78 | 2.06 | 2.06 | 7.07 | 12.86 | -- | -- | -- | -- | 0.8847 | 1.02 | -- | -- | -- | -- | 29.15 | 27.46 | -- | -- | -- | 17.21 | 8.02 | 9.05 | 19.36 | 16.34 | 8.08 | 3.86 |
| Republic First Bancorp Inc | 150.83m | 20.74m | 162.66m | 525.00 | 9.32 | 0.587 | 5.61 | 1.01 | 0.2736 | 0.2736 | 2.12 | 4.34 | -- | -- | -- | -- | 0.4367 | 0.3011 | -- | -- | -- | -- | 15.07 | 9.12 | -- | -- | -- | 0.00 | 28.58 | 22.21 | 424.72 | 34.39 | -2.35 | -- |
| First-Citizens Bank & Trust Co | 1.54bn | 684.70m | 164.56m | 4.09k | 3.00 | 0.3611 | 0.1558 | 0.0655 | 6.86 | 6.86 | 25.22 | 62.26 | -- | -- | -- | -- | 1.24 | 0.1595 | -- | -- | -- | -- | 28.46 | 3.65 | -- | -- | -- | 185.97 | -10.80 | 4.48 | -226.62 | -- | -19.90 | 18.47 |
| Middlefield Banc Corp | 51.46m | 17.01m | 164.96m | 185.00 | 9.90 | 1.34 | 8.65 | 3.06 | 2.89 | 2.89 | 9.17 | 21.30 | -- | -- | -- | -- | 1.25 | 1.03 | -- | -- | -- | -- | 31.52 | 26.10 | -- | -- | -- | 30.49 | -0.5756 | 11.78 | 123.18 | 23.77 | -22.51 | 3.78 |
| Peoples Bancorp of North Carolina, Inc. | 49.25m | 14.98m | 167.56m | 287.00 | 11.24 | 1.61 | 7.80 | 2.25 | 2.64 | 2.64 | 13.16 | 18.42 | -- | -- | -- | -- | 0.9101 | 1.06 | -- | -- | -- | -- | 20.09 | 20.65 | -- | -- | -- | 27.60 | -1.62 | 3.46 | 33.25 | 10.52 | -21.37 | 13.82 |
| William Penn Bancorp | 26.60m | 4.10m | 167.85m | 112.00 | 40.01 | 0.9362 | 31.50 | 6.55 | 0.2924 | 0.2924 | 1.82 | 12.50 | -- | -- | -- | -- | 0.4902 | -- | -- | -- | -- | -- | 16.02 | -- | -- | -- | -- | -- | -1.35 | -- | 12.12 | -- | -- | -- |
| Salisbury Bancorp Inc | 47.21m | 15.62m | 169.44m | 174.00 | 10.70 | 1.38 | 9.59 | 3.05 | 2.74 | 2.74 | 9.73 | 21.29 | -- | -- | -- | -- | 1.06 | 0.9583 | -- | -- | -- | -- | 28.63 | 24.42 | -- | -- | -- | 29.70 | 1.47 | 5.05 | 37.79 | 19.59 | 12.48 | 1.56 |
| Choiceone Financial Services Inc | 71.24m | 21.97m | 170.57m | 320.00 | 7.78 | 1.09 | 4.79 | 2.13 | 2.92 | 2.92 | 10.64 | 20.86 | -- | -- | -- | -- | 0.9468 | 0.958 | -- | -- | -- | -- | 27.41 | 23.61 | -- | -- | -- | 41.12 | 15.98 | 26.04 | 41.18 | 29.34 | 8.69 | 8.79 |
| Medallion Financial Corp | 185.12m | 50.25m | 170.81m | 136.00 | 3.65 | 0.5934 | 2.79 | 0.9719 | 2.04 | 2.04 | 7.18 | 12.56 | -- | -- | -- | -- | 2.78 | -0.1079 | -- | -- | -- | -- | 31.62 | -1.28 | -- | -- | -- | -- | 9.66 | 44.67 | 255.56 | 8.40 | -- | -- |
| Isabella Bank Corp | 62.92m | 20.71m | 171.77m | 330.00 | 8.39 | 0.9723 | 7.45 | 2.40 | 2.71 | 2.71 | 9.37 | 23.35 | -- | -- | -- | -- | 0.9989 | 0.7626 | -- | -- | -- | -- | 28.89 | 23.30 | -- | -- | -- | 58.23 | -6.33 | 2.29 | 79.14 | 7.16 | -15.98 | 1.96 |
| Mountain Commerce Bancorp Inc | 54.01m | 19.68m | 176.31m | -- | 8.87 | 1.56 | -- | 3.52 | 3.16 | 3.16 | 8.05 | 18.03 | -- | -- | -- | -- | 1.38 | 1.35 | -- | -- | -- | -- | 39.40 | 36.74 | -- | -- | -- | -- | 7.28 | 15.45 | 130.32 | 40.80 | -- | -- |
| OP Bancorp | 79.15m | 33.77m | 177.84m | 193.00 | 5.28 | 1.05 | 4.96 | 1.86 | 2.22 | 2.22 | 6.26 | 11.19 | -- | -- | -- | -- | 1.86 | 1.46 | -- | -- | -- | -- | 36.04 | 29.43 | -- | -- | -- | -- | 19.57 | 15.14 | 120.46 | 32.34 | 34.14 | -- |
Data as of Dec 01 2022. Currency figures normalised to Peoples Bancorp of North Carolina Inc's reporting currency: US Dollar USD
29.06%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Fourthstone LLCas of 30 Sep 2022 | 343.18k | 6.08% |
| Strategic Value Bank Partners LLCas of 30 Sep 2022 | 309.64k | 5.49% |
| Tontine Associates LLCas of 30 Sep 2022 | 242.28k | 4.30% |
| The Vanguard Group, Inc.as of 30 Sep 2022 | 209.86k | 3.72% |
| Dimensional Fund Advisors LPas of 30 Sep 2022 | 161.80k | 2.87% |
| HoldCo Asset Management LP (Investment Management)as of 30 Sep 2022 | 106.05k | 1.88% |
| Wellington Management Co. LLPas of 30 Sep 2022 | 105.42k | 1.87% |
| Bridgeway Capital Management LLCas of 30 Sep 2022 | 72.13k | 1.28% |
| Rhino Investment Partners, Inc.as of 30 Sep 2022 | 45.19k | 0.80% |
| BlackRock Fund Advisorsas of 30 Sep 2022 | 43.66k | 0.77% |
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Data from 30 Sep 2022 - 30 Sep 2022Source: FactSet Research Systems Inc.
