ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Peoples Bancorp of North Carolina, Inc. ?
1
High Profitability with a Net Interest Margin of 5.85%
2
Flat results in Jun 25
- NO KEY NEGATIVE TRIGGERS
3
With ROA of 0.80%, it has a fair valuation with a 1.14 Price to Book Value
- Over the past year, while the stock has generated a return of 2.58%, its profits have risen by 2.6% ; the PEG ratio of the company is 2.2
4
High Institutional Holdings at 53.27%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Peoples Bancorp of North Carolina, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Peoples Bancorp of North Carolina, Inc. for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Peoples Bancorp of North Carolina, Inc.
7.26%
0.23
36.15%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.75%
EBIT Growth (5y)
10.46%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
25.48%
Pledged Shares
0
Institutional Holding
53.27%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.14
EV to EBIT
3.64
EV to EBITDA
3.15
EV to Capital Employed
1.41
EV to Sales
0.85
PEG Ratio
2.24
Dividend Yield
NA
ROCE (Latest)
38.79%
ROE (Latest)
12.09%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
NII(Q)
Highest at USD 14.6 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 20.72 MM
OPERATING PROFIT(Q)
Highest at USD 6.66 MM
OPERATING PROFIT MARGIN(Q)
Highest at 32.16 %
PRE-TAX PROFIT(Q)
Highest at USD 6.66 MM
NET PROFIT(Q)
Highest at USD 5.16 MM
EPS(Q)
Highest at USD 0.94
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Peoples Bancorp of North Carolina, Inc.
NII
Highest at USD 14.6 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 20.72 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 6.66 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 32.16 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 6.66 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 5.16 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.94
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
CASA
Highest at 14.92%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
