PEBK
Peoples Bancorp of North CarolinaCNasdaq / Banks
Last Price
At close
2026-07-21
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
Next scheduled catalyst: earnings 2026-07-27.
What can break
Deposit runoff or higher funding costs
Momentum
62
Value
61
Sentiment
41
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $34.34 · Bull $41.00 · Bear $28.00
Earnings
2026-07-27
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-27 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-07-21
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Why
Momentum62 · Δ7d -
Value61 · Δ7d -0.1
Sentiment41 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Value · See fundamentals
Momentum
62
26% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
61
39% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
+0.4
Sentiment
41
34% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade C. Momentum 61.8 / Value 60.6 / Sentiment 41.3
Fundamentals (TTM)As of 2026-07-21
Fundamentals (TTM)
As of 2026-07-21
Market Cap
$233.04M
Beta
0.35
Shares Out
5.46M
P/E (TTM)
11.7
P/S (TTM)
2.28
P/FCF (TTM)
13.17
Rev YoY
+3.2%
EPS YoY
+1.2%
Gross Margin
-
Op Margin
+25.2%
Net Debt
-$8.64M
Current Ratio
0.15
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology