Peoples Bancorp Of North Carolina Inc   (PEBK)
Other Ticker:  
    Sector  Financial    Industry Regional Banks
   Industry Regional Banks
   Sector  Financial
Price: $26.5000 $0.02 0.076%
Day's High: $27.835 Week Perf: 7.72 %
Day's Low: $ 26.50 30 Day Perf: -10.68 %
Volume (M): 40 52 Wk High: $ 34.88
Volume (M$): $ 1,047 52 Wk Avg: $24.65
Open: $27.23 52 Wk Low: $16.35

 Market Capitalization (Millions $) 148
 Shares Outstanding (Millions) 6
 Employees 284
 Revenues (TTM) (Millions $) 77
 Net Income (TTM) (Millions $) 17
 Cash Flow (TTM) (Millions $) -63
 Capital Exp. (TTM) (Millions $) 5

Peoples Bancorp Of North Carolina Inc

Peoples Bancorp of North Carolina, Inc., was formed in 1999 to serve as the holding company for Peoples Bank (the "Bank"). The Company is a bank holding company registered with the Board of Governors of the Federal Reserve System (the "Federal Reserve") under the Bank Holding Company Act of 1956, as amended (the "BHCA"). The Companys principal source of income is dividends declared and paid by the Bank on its capital stock, if any. The Company has no operations and conducts no business of its own other than owning the Bank and Community Bank Real Estate Solutions, LLC ("CBRES"). Accordingly, the discussion of the business which follows concerns the business conducted by the Bank, unless otherwise indicated.


The Bank operates four banking offices focused on the Latino population under the name Banco de la Gente ("Banco"). These offices are operated as a division of the Bank. Banco offers normal and customary banking services as are offered in the Banks other branches such as the taking of deposits and the making of loans and therefore is not considered a reportable segment of the Company. The Bank operates one Banco loan production office in Durham County and one Banco loan production office in Forsyth County specifically designed to serve the growing Latino market.

The Bank has a diversified loan portfolio, with no foreign loans and few agricultural loans. Real estate loans are predominately variable rate and fixed rate commercial property loans, which include residential development loans to commercial customers. Commercial loans are spread throughout a variety of industries with no one particular industry or group of related industries accounting for a significant portion of the commercial loan portfolio. The majority of the Banks deposit and loan customers are individuals and small to medium-sized businesses located in the Banks market area. The Banks loan portfolio also includes Individual Taxpayer Identification Number (ITIN) mortgage loans generated thorough the Banks Banco offices.

Bank holding companies and commercial banks are extensively regulated under both federal and state law. The following is a brief summary of certain statutes and rules and regulations that affect or will affect the Company, the Bank and any subsidiaries. This summary is qualified in its entirety by reference to the particular statute and regulatory provisions referred to below and is not intended to be an exhaustive description of the statutes or regulations applicable to the business of the Company, the Bank and any subsidiaries. Supervision, regulation and examination of the Company and the Bank by the regulatory agencies are intended primarily for the protection of depositors rather than shareholders of the Company. Statutes and regulations which contain wide-ranging proposals for altering the structures, regulations and competitive relationship of financial institutions are introduced regularly. The Company cannot predict whether or in what form any proposed statute or regulation will be adopted or the extent to which the business of the Company and the Bank may be affected by such statute or regulation.

There are a number of obligations and restrictions imposed on bank holding companies and their depository institution subsidiaries by law and regulatory policy that are designed to minimize potential loss to the depositors of such depository institutions and the FDIC insurance funds in the event the depository institution becomes in danger of default or in default. For example, to mitigate the risk of failure, bank holding companies are required to guarantee the compliance of any insured depository institution subsidiary that may become "undercapitalized" with the terms of the capital restoration plan filed by such subsidiary with its appropriate federal banking agency up to the lesser of (i) an amount equal to 5% of the banks total assets at the time the bank became undercapitalized or (ii) the amount which is necessary (or would have been necessary) to bring the bank into compliance with all capital standards as of the time the bank fails to comply with such capital restoration plan. The Company, as a registered bank holding company, is subject to the regulation of the Federal Reserve. Under a policy of the Federal Reserve with respect to bank holding company operations, a bank holding company is required to serve as a source of financial strength to its subsidiary depository institutions and to commit resources to support such institutions in circumstances where it might not do so absent such policy. The Federal Reserve under the BHCA also has the authority to require a bank holding company to terminate any activity or to relinquish control of a nonbank subsidiary (other than a nonbank subsidiary of a bank) upon the Federal Reserves determination that such activity or control constitutes a serious risk to the financial soundness and stability of any bank subsidiary of the bank holding company.

   Company Address: 518 West C Street Newton 28658 NC
   Company Phone Number: 464-5620   Stock Exchange / Ticker: PEBK
   PEBK is expected to report next financial results on March 16, 2024.

Customers Net Income fell by PEBK's Customers Net Profit Margin fell to

-5.8 %

17.2 %

• Customers Performance • Customers Expend. • Customers Efficiency • List of Customers


Stock Performances by Major Competitors

5 Days Decrease / Increase
BK        0.75% 
BPOP   -2.24%    
CFG   -3%    
FITB   -1.57%    
MTB   -1.22%    
NTRS        2% 
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Peoples Bancorp Boosts Investor Confidence: Special Cash Dividend on the Horizon Amid Robust Market Performance!

Published Mon, Jan 22 2024 6:08 PM UTC

In a move that appreciates its shareholders, Peoples Bancorp of North Carolina, Inc. (Nasdaq: PEBK) has announced a rather significant financial measure. The Board of Directors is undoubtedly pleased to declare a special cash dividend, offering a substantial amount of $0.16 per share. This declaration sets a strong tone for the ongoing financial maneuvers within the com...


Peoples Bancorp of North Carolina: Consistent Dividends Reflect Robust Financial Performance

Published Fri, Nov 17 2023 4:15 PM UTC

NEWTON, N.C., Nov. 17, 2023 - Peoples Bancorp of North Carolina, Inc., a leading financial institution based in Newton, NC, recently declared its regular cash dividend for the fourth quarter of 2023. Shareholders will receive a dividend of $0.19 per share. The dividend is set to be paid on December 15, 2023, to shareholders of record on December 4, 2023.
As of ...

Peoples Bancorp Of North Carolina Inc

Peoples Bancorp Of North Carolina Inc Shines with Strong Revenue Growth in Fiscal Year Ending March 31, 2023

Peoples Bancorp Of North Carolina Inc is one of the most renowned regional banks in the United States. The company has a strong foothold in North Carolina and its surrounding regions, where it offers a variety of banking services to its clients. The bank has been in operation for many years and has a reputation for providing high-quality banking services, tailor-made to suit the specific needs of its clients. The company's efforts towards providing the best possible customer service have been reflected in its financial performance over the years.
The fiscal period ending March 31, 2023, has been a particularly good one for Peoples Bancorp Of North Carolina Inc. The bank reported an impressive revenue improvement of 3.389% to $17.73 million from $17.14 million during the same reporting season a year before. This improvement in revenue can be attributed to the bank's focus on expanding its range of services and improving its operational efficiency.


Peoples Bancorp Of North Carolina Inc's Segments
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