ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Peoples Bancorp of North Carolina, Inc. ?
1
High Profitability with a Net Interest Margin of 5.81%
2
Positive results in Jun 26
- NII(Q) Highest at USD 15.97 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
- CREDIT DEPOSIT RATIO(HY) Highest at 81.64%
3
With ROA of 0.81%, it has a fair valuation with a 1.38 Price to Book Value
- Over the past year, while the stock has generated a return of 53.33%, its profits have risen by 21.3% ; the PEG ratio of the company is 0.5
4
High Institutional Holdings at 56.03%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 4.74% over the previous quarter.
5
Market Beating performance in long term as well as near term
- Along with generating 53.33% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
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, High Return
Absolute
Risk Adjusted
Volatility
Peoples Bancorp of North Carolina, Inc.
53.33%
1.53
29.00%
S&P 500
21.51%
1.63
13.19%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.76%
EBIT Growth (5y)
8.09%
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
22.07%
Pledged Shares
0
Institutional Holding
51.29%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.38
EV to EBIT
8.50
EV to EBITDA
7.48
EV to Capital Employed
1.53
EV to Sales
2.04
PEG Ratio
0.51
Dividend Yield
NA
ROCE (Latest)
18.03%
ROE (Latest)
12.62%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
NII(Q)
Highest at USD 15.97 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 81.64%
NET SALES(Q)
Highest at USD 21.53 MM
OPERATING PROFIT(Q)
Highest at USD 6.73 MM
-2What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 15.01 MM
Here's what is working for Peoples Bancorp of North Carolina, Inc.
NII
Highest at USD 15.97 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 21.53 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 6.73 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 81.64%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Peoples Bancorp of North Carolina, Inc.
Operating Cash Flow
Lowest at USD 15.01 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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