B+
Bull case
20%
Probability
Target price
$41.00
Analysis reference price unavailable
Analysis 2026-01-27 · RankAlpha Sentiment AI
PEBK
Peoples Bancorp of North CarolinaCNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
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.
Posture
Mixed
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +1.2.
What can break
Deposit runoff or higher funding costs
Momentum
62
Value
60
Sentiment
42
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $34.34 · Bull $41.00 · Bear $28.00Analysis 2026-01-27; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-27 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-10-23
Investment thesis
As of 2026-10-23
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Why
Momentum62 · Δ7d -
Value60 · Δ7d +1.2
Sentiment42 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Confirming evidence
- • Value remains the lead driver in the composite, 7D delta +1.2.
Contradictions & invalidation
- • Deposit runoff or higher funding costs
- • Margin compression from loan/deposit repricing
- • Margin compression, deposit runoff, or deterioration in commercial credit could materially reduce EPS and push the stock toward the low-to-mid $20s.
Catalyst clock
2026-04-27
Q1 2026 earnings release (estimated)
Lead driver: Value · See fundamentals
Momentum
62
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
60
47% active weight
Current posture
7d trendImproving
Δ7d
+1.2
Δ21d
+0.8
Sentiment
42
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade C. Momentum 61.8 / Value 59.9 / Sentiment 41.9
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-27. Scenario method
Most likely
B
Base case
60%
Probability
Target price
$34.34
Analysis reference price unavailable
Analysis 2026-01-27 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$28.00
Analysis reference price unavailable
Analysis 2026-01-27 · RankAlpha Sentiment AI
Fundamentals (TTM)As of 2026-10-23
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$237.47M
Beta
0.35
Shares Out
5.46M
P/E (TTM)
11.7
P/S (TTM)
2.28
P/FCF (TTM)
13.17
Rev YoY
+0.9%
EPS YoY
+1.3%
Gross Margin
-
Op Margin
+20.3%
Net Debt
-$8.64M
Current Ratio
0.15
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data