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 CarolinaDNasdaq / 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
Defensive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
Deposit runoff or higher funding costs
Momentum
62
Value
60
Sentiment
47
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 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-10 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-27 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-09-10
Investment thesis
As of 2026-09-10
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-10. Definitions
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Why
Momentum62 · Δ7d -
Value60 · Δ7d -4.7
Sentiment47 · Δ7d -
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Confirming evidence
- • Sentiment remains the lead driver in the composite.
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: Sentiment · See AI snapshot
Momentum
62
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
60
28% active weight
Current posture
7d trendSoftening
Δ7d
-4.7
Δ21d
-0.1
Sentiment
47
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade D. Momentum 61.8 / Value 59.9 / Sentiment 46.7
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 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$243.58M
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 2026-09-10 • Updated nightlySource: Internal modelMethods & Data