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
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- NII(Q) Highest at USD 15.36 MM
- ROCE(HY) Highest at 1.18%
- GROSS NPA (%)(Q) Lowest at 0.35%
3
With ROA of 0.95%, it has a attractive valuation with a 1.36 Price to Book Value
- Over the past year, while the stock has generated a return of 36.30%, its profits have risen by 21.3% ; the PEG ratio of the company is 0.5
4
High Institutional Holdings at 49.15%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Market Beating Performance
- The stock has generated a return of 36.30% in the last 1 year, much higher than market (S&P 500) returns of 14.90%
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.
36.3%
0.70
35.13%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.76%
EBIT Growth (5y)
8.37%
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
22.10%
Pledged Shares
0
Institutional Holding
49.15%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.36
EV to EBIT
8.05
EV to EBITDA
7.30
EV to Capital Employed
1.51
EV to Sales
1.99
PEG Ratio
0.51
Dividend Yield
NA
ROCE (Latest)
18.71%
ROE (Latest)
12.62%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
NII(Q)
Highest at USD 15.36 MM
ROCE(HY)
Highest at 1.18%
GROSS NPA (%)
(Q
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 79.8%
NET SALES(Q)
Highest at USD 21.52 MM
PRE-TAX PROFIT(Q)
Highest at USD 8.76 MM
NET PROFIT(Q)
Highest at USD 6.63 MM
EPS(Q)
Highest at USD 1.21
-7What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 16.08 MM
ROCE(HY)
Lowest at 1.18%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 16.53%
CASH AND EQV(HY)
Lowest at USD 56.43 MM
Here's what is working for Peoples Bancorp of North Carolina, Inc.
NII
Highest at USD 15.36 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Non Performing Loans (%)
Lowest at 0.35%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Sales
Highest at USD 21.52 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Pre-Tax Profit
Highest at USD 8.76 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 8.76 MM has Grown at 61.71%
over average net sales of the previous four periods of USD 5.42 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 6.63 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 6.63 MM has Grown at 58.34%
over average net sales of the previous four periods of USD 4.19 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.21
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)
Credit Deposit Ratio
Highest at 79.8%
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 16.08 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Cash and Eqv
Lowest at USD 56.43 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Dividend Payout Ratio
Lowest at 16.53%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
Non Operating Income
Highest at USD 0.34 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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