PEBK

AI Memo

Peoples Bancorp of North Carolina

As of 2026-01-27/Confidence medium

Open ticker Back to Memos

Data freshness

AI Memo

As of 2026-01-27 • Model: RankAlpha Sentiment AI

Decision Panel

Action, confidence, horizon, and decision blockers at a glance.

Action

—

Confidence

medium

Horizon

—

Key catalyst

Q1 2026 earnings release (estimated) • 2026-04-27

Expected move: -20%

Biggest risk

Margin compression, deposit runoff, or deterioration in commercial credit could materially reduce EPS and push the stock toward the low-to-mid $20s.

Invalidation

Break below $28 or thesis failure.

What would change my mind?

Execution on loan growth and deposit stability, plus modest multiple expansion, could push shares into the low $40s; margin beats or accretive M&A would validate upside.

Research note

Recommendation

—

Confidence

medium

As of

2026-01-27

Base target

$34

p=60%

Bull target

$41

p=20%

Bear target

$28

p=20%

Key bullets

Fast scan of bull, bear, and watch items

BullKey bullets

Near-term margin pressure: deposit repricing
Medium-term loan growth and deposit stability
Execution on loan growth and deposit stability, plus modest multiple expansion, could push shares into the low $40s; margin beats or accretive M&A would validate upside.

BearKey bullets

Deposit runoff or higher funding costs
Margin compression from loan/deposit repricing
Worsening commercial or local credit losses

WatchKey bullets

Q1 2026 earnings release (estimated)

Summary

High-level snapshot

Recommendation

Model confidence

medium

Timeframe

Asset

Equity

Trigger

Base case: $34 (p=60%)

Bull/Bear spread: -5% / -35%

Vs latest close: Bull -5% · Base -20% · Bear -35%

Scenario probabilities

Bull Target: $41 (p=20%)Base Target: $34 (p=60%)Bear Target: $28 (p=20%)

Commentary

Coverage is cautiously constructive: median targets cluster in the mid-$30s with some high-end optimism. Dispersion in analyst targets and sensitivity to near-term earnings/margin prints keep conviction muted.

As of 2026-01-27 • Updated bi-weekly / post-earningsSource: Internal modelMethodology

Analyst Summary

Thesis highlights from the latest analysis

Bull Case

Execution on loan growth and deposit stability, plus modest multiple expansion, could push shares into the low $40s; margin beats or accretive M&A would validate upside.

Bear Case

Margin compression, deposit runoff, or deterioration in commercial credit could materially reduce EPS and push the stock toward the low-to-mid $20s.

Drivers

Scannable catalysts and supporting factors

Near-term margin pressure: deposit repricing
Medium-term loan growth and deposit stability

Human Analyst Targets

External snippets for comparison only; verify at source.

Unverified externalLast fetched 2026-01-27Source quality: external scrape

External snippets are unverified; treat as directional signals only. Always confirm with the original provider.

Inline RA est

Provider

serper

Median (USD)

$34.34

Range (USD)

$12.50 - $38.85

Count

Query: Peoples Bancorp of North Carolina Inc Common (PEBK) analyst consensus price target high low average

Peoples Bancorp of North Carolina, Inc. (PEBK) - Yahoo Finance
Search result #1
See Peoples Bancorp of North Carolina, Inc. (PEBK) stock analyst estimates, including earnings and revenue, EPS, upgrades and downgrades.
Open source
Peoples Bancorp (PEBO) Stock Forecast & Price Target - MarketBeat
Search result #2
The highest price target for PEBO is $35.00, while the lowest price target for PEBO is $33.00. The average price target represents a forecasted upside of 6.07% ...
Extracted: $35.00, $33.00Open source
Peoples Bancorp (PEBO) Stock Price & Overview
Search result #3
Analyst Summary. According to 6 analysts, the average rating for PEBO stock is "Buy." The 12-month stock price target is $34.58, which is ...
Extracted: $34.58Open source
PEBK Stock Quote Price and Forecast - CNN
Search result #4
Peoples Bancorp of North Carolina, Inc. PEBK is trading near the top of its 52-week range and above its 200-day simple moving average. The price of PEBK shares ...
Open source
Consensus Peoples Bancorp Inc. - PEBO - MarketScreener
Search result #5
High Price Target. 37.00USD. Spread / Highest target. +22.68%. Low Price Target. 32.00USD. Spread / Lowest Target. +6.10%. Analyst Consensus Detail. Consensus ...
Extracted: $37.00, $32.00Open source
Peoples Bancorp of North Carolina (PEBK) stock Forecast ... - Tickeron
Search result #6
The 10-day moving average for PEBK crossed bullishly above the 50-day moving average on November 24, 2025. This indicates that the trend has shifted higher and ...
Open source

Scenarios

Bull Target (Scenario probability)

$41 / p=20% prob

Base Target (Scenario probability)

$34 / p=60% prob

Bear Target (Scenario probability)

$28 / p=20% prob

Price $43 as of 2026-07-24

Nearest Scenario: Bull (∆ 5%)

Targets vs latest close: Bull -5% · Base -20% · Bear -35%

Sentiment & Exposure

Sentiment unavailable: insufficient coverage

Events

Other notable items detected

EVENT2026-04-27
Q1 2026 earnings release (estimated)
Quarterly results and guidance could prompt a valuation reset; consensus targets cluster in the mid-$30s.
Prob 70.00% • Move 6.00% • Priced-in 40.00%

Short-term Catalysts

Next few weeks

Near-term margin pressure: deposit repricing
2026-04-27
Rising deposit costs and short-term funding repricing may compress NIM and EPS over the next quarter; market coverage shows mixed near-term outlooks and target dispersion.
Prob 40% • Move 8% • Priced-in 30%

Long-term Catalysts

Months to a year

Medium-term loan growth and deposit stability
2027-01-27
Local expansion and commercial lending growth could expand earnings and valuation over 12 months if credit remains stable.
Prob 35% • Move 20% • Priced-in 20%

Risks

Deposit runoff or higher funding costs
Margin compression from loan/deposit repricing
Worsening commercial or local credit losses

Peers

Symbol	Summary
FHN	Larger regional with broader deposit footprint; useful for funding-cost sensitivity comparisons.
AUB	Regional competitor with community-banking focus and acquisition-driven growth profile.

Sources

Internal and external references used in this analysis

Model source: RankAlpha Sentiment AI
Human targets: serper
Targets query: Peoples Bancorp of North Carolina Inc Common (PEBK) analyst consensus price target high low average
Analysis date: 2026-01-27

AI Stock Memo: PEBK - Peoples Bancorp of North Carolina - RankAlpha