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Peoples Bancorp of North Carolina, Inc (PEBK) Fair Value & Analysis

Financial Services · US · Market cap $225M

Price$43.59
Fair Value$48.55
Upside+11.4%
Quality95/100
Evidence: High Range $36.41 – $60.69

Fair value as of: Jun 26, 2026

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Analysis

Peoples Bancorp of North Carolina, Inc (PEBK) currently trades at $43.59, while our model-based Fair Value estimate is $48.55 — implying the stock looks roughly 11.4% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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 in the North Carolina, United States. The company offers deposit products. It also originates commercial real estate loans, commercial loans, construction and land development loans, single-family residential mortgage loans, as well as agricultural loans. In addition, the company 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, it operates as a clearinghouse for the provision of appraisal services for community banks; and acquires, manages, and disposes of real property, other collateral, and other assets obtained in the ordinary course of collecting debts. The company was founded in 1912 and is headquartered in Newton,…

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Frequently asked questions

Is Peoples Bancorp of North Carolina, Inc (PEBK) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $48.55 versus a price of $43.59 — about +11% (undervalued). Model-based estimate, not financial advice.
What is the fair value of PEBK?
Our 21-model fair value for Peoples Bancorp of North Carolina, Inc is $48.55 (as of Jun 26, 2026), built from audited fundamentals. The current price is $43.59.
What is the quality score of PEBK?
Peoples Bancorp of North Carolina, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.