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Stock Ratings / Financials / PEBK / earnings
CMTV (70) EFSI (63) NKSH (62) INBK (43) ⌘ Pro Terminal →

Peoples Bancorp of North Carolina Inc. (PEBK) Next Earnings Date & Expected ±5% Move

$44.50 +1.06% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $44.50

Peoples Bancorp of North Carolina Inc. (PEBK) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $240.5M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PEBK Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PEBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Peoples Bancorp of North Carolina Inc. (NASDAQ: PEBK) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $44.50 (+1.06% 1D, market cap $240.5M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, PEBK ranks #179 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PEBK compare to CMTV and EFSI in the Financials sector?
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Within the Financials sector (Major Banks), PEBK carries a Roarable C+ (67/100 RQD), trailing P/E of 12.3x, gross margin of —, and ROIC of 12.6%. By comparison, CMTV (Community Bancorp.) holds a B- grade (70/100 RQD, P/E 13.9x, ROIC 14.9%, cap $235.2M) and EFSI (Eagle Financial Services Inc) posts a C grade (63/100 RQD, P/E 30.3x, ROIC 4.3%, cap $246.8M). Among the 5-stock peer group, PEBK leads on earnings multiple (12.3x) while CMTV leads on capital efficiency (14.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) 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 $714.9M in revenue (+3.0% YoY), $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.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $44.50 (+0.00%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 2.8% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510067
Quant Analyst Panel 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 RQD RADARRw C+ · Rk C
Cash (13)Whales (11)SEC (13)Macro (13)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+4% Base Target
$55 Bull$46 Base$36 Bear
📬 FREE PEBK RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PEBK)Realized 20D OHLCV Swing Band: ±5%
Deterministic 5-Pillar Attribution (67/100 Composite)
🔍 WHY PEBK SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+13/20 pts (19% of score)

SEC XBRL FY 2025 (10-K): 2.8% FCF Margin ($20.0M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
75
Grade B+$44.62-2.4% Next Q
Q2 (-2Q)
72
Grade B$43.53+0.5% Next Q
Q3 (-1Q)
70
Grade B$43.73+1.8% Next Q
Current
67
Grade C+$44.50+1.6% Hist 90D α
Trajectory: B+ (75) → C+ (67)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PEBK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 67/100 (C+) score, PEBK faces multiple-compression risk if 12.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($43.82) or 200D SMA ($41.52) invalidates the momentum regime and cuts Target Base ($46.30) toward Bear Floor ($36.11).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PEBK• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “PEBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 67%NO 33%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~56 DAYS)

Historical OHLCV Volatility ±5% Swing Band

±$2.23 Expected Swing
$42.27 (-5%)Spot $44.50$46.73 (+5%)
MODEL EARNINGS SETUP GAUGE

PEBK Quantitative Pre-Earnings Setup: 67/100

Trailing EPS: $3.63 • YoY Revenue Growth: 12.4%

Model Bullish Setup (67/100)Model Risk Weight (33/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$714.9M$19.8M$20.0M52%
FY 20242024-12-31$693.8M$16.4M$20.0M52%
FY 20232023-12-31$86.6M$15.5M$22.8M52%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating PEBK & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on PEBK
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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PEBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +12.32%📐 WEDGE COMPRESSION COIL
2026-11-03O $44.60H $44.60L $44.04C $44.50VOL 25.9K
RES: $45.08SUP: $42.17SMA50: $43.82SMA200: $41.52
$46.58$43.26$39.93$36.60$33.28RES $45.08SUP $42.17$44.502026-05-042026-06-172026-08-042026-09-182026-11-03
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

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
3.0%/yr Implied 5Y Growth

vs. +3.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

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 #179 of 1097 ⚔️ CMTV vs PEBK Full Matrix →

1. Head-to-Head Financials Peer Comparison (PEBK vs. CMTV, EFSI, NKSH, INBK)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Peoples Bancorp of North Carolina Inc. (PEBK) ranks #179 by composite RQD confidence (67/100, grade C+) and #852 by equity capitalization ($240.5M). Within this direct 5-issuer industry benchmark cohort, PEBK leads on earnings valuation at 12.3x trailing P/E, while CMTV leads on capital efficiency and profitability with 14.9% ROIC and — gross margin. CMTV currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with PEBK at 67/100 (C+).

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.
C+ 67/100 12.3x — 12.6% +1.06% $240.5M Benchmark Subject
CMTV
Community Bancorp.
B- 70/100 13.9x — 14.9% +2.18% $235.2M /cmtv-vs-pebk →
EFSI
Eagle Financial Services Inc
C 63/100 30.3x — 4.3% +1.41% $246.8M /efsi-vs-pebk →
NKSH
National Bankshares Inc.
C 62/100 16.5x — 8.6% +1.97% $256.0M /nksh-vs-pebk →
INBK
First Internet Bancorp
D- 43/100 — — -9.8% +4.03% $225.4M /inbk-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 $714.9M (+3.0% vs. FY2024 revenue of $693.8M , and +725.9% cumulative change since FY2023) , 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 $714.9M $19.8M $21.4M $20.0M $1.70B —
FY2024 (FY) 2024-12-31 $693.8M $16.4M $20.6M $20.0M $1.65B —
FY2023 (FY) 2023-12-31 $86.6M $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 2026-11-03, Peoples Bancorp of North Carolina Inc. (NASDAQ: PEBK) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $44.50 (+1.06% 1D, market cap $240.5M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, PEBK ranks #179 in composite RQD confidence.

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

Within the Financials sector (Major Banks), PEBK carries a Roarable C+ (67/100 RQD), trailing P/E of 12.3x, gross margin of —, and ROIC of 12.6%. By comparison, CMTV (Community Bancorp.) holds a B- grade (70/100 RQD, P/E 13.9x, ROIC 14.9%, cap $235.2M) and EFSI (Eagle Financial Services Inc) posts a C grade (63/100 RQD, P/E 30.3x, ROIC 4.3%, cap $246.8M). Among the 5-stock peer group, PEBK leads on earnings multiple (12.3x) 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 $714.9M in revenue (+3.0% YoY), $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 $44.50 (+1.06% on volume of 27,058 shares), positioning the stock +1.55% above its 50-day simple moving average ($43.82) and +7.18% above its 200-day simple moving average ($41.52). Across its 52-week range of $27.33 to $45.78, PEBK sits at the 93.1% percentile with a 14-day RSI of 50.9 (NEUTRAL RANGE) and an implied next-earnings move of ±5.0% ($42.27 to $46.73).

Direct Sub-Reports: PEBK RQD Cockpit PEBK 12M Forecast PEBK Earnings & Move PEBK Dividends & DRIP PEBK Insiders & 13F PEBK Whale Options PEBK Profit Sankey PEBK News & Why
ROARABLE RATING BRIEF • RQD 67/100 (C+) ✓ SEC XBRL & RQD VERIFIED

PEBK — Peoples Bancorp of North Carolina Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Peoples Bancorp of North Carolina Inc. (PEBK) earns a live Roarable RQD composite score of 67/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $44.50 (+1.06% 1D, market capitalization $240.5M).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 12.6%, gross margin of —, operating margin of —, and free cash flow yield of 8.19%.
  • Whale 13F & Options Flow (11/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Peoples Bancorp of North Carolina Inc. Is a NASDAQ-listed issuer classified in the Financials sector and the Major Banks industry. The profile does not describe its products, customers, or revenue model.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Peoples Bancorp of North Carolina Inc. (PEBK) reported $714.9M in annual revenue (up from $693.8M in FY2024, +3.0% YoY) and $19.8M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($86.6M revenue, $15.5M net income) through FY2025, PEBK scaled operating cash flow to $21.4M and free cash flow to $20.0M, backed by $1.70B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 67/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 8.19% and institutional whale pillar of 11/20. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $27.33 – $45.78 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 12.3x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), PEBK carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can PEBK sustain or expand its — operating margin and 12.6% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $714.9M and free cash flow of $20.0M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is PEBK's 11.4x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

PEBK Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Peoples Bancorp of North Carolina Inc. (PEBK) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PEBK Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PEBK Bull vs. Bear Conversation Board — What's Your Call at $44.50?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PEBK 🐻 33% BEARISH CONVICTION
1. Pick Your Side on PEBK:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $55.93 (+27.0%)
📌 Pinned Debate

Insider conviction scores 17/20 and the stock trades at a 12.3 TTM P/E with ROIC of 12.6% and FCF yield of 8.19%.

Insider conviction scores 17/20 and the stock trades at a 12.3 TTM P/E with ROIC of 12.6% and FCF yield of 8.19%.. When you look under the hood at PEBK, Fundamental Cash Engine is 13/20 with 0.0% gross margins and 12.6% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (11/20) has been quietly accumulating below $45.78. My 12M target is $55.93.

CapAlloc_Nerd 🐂 BULL

@MidwestValue Agree on the RQD 67/100 quality, though with 1.0 beta I'm scaling in with half-size at $44.04 and keeping dry powder in case we test $40.96.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $33.03 (-25.0%)
Spot @ $44.04

Valuation & margin reality check on PEBK at $44.04 before chasing here

Careful chasing PEBK at $44.04. Valuation & margin reality check on PEBK at $44.04 before chasing here. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $33.03 on multiple compression.

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