Peoples Bancorp of North Carolina, Inc.
FAIR PRICE VALUATION
Updated daily
Model: DCF 50% · Relative 30% · Consensus 20%
MARKET PRICE
$44.13
FAIR PRICE
$81.93
MARGIN
$37.80
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FPI RATING
High-quality fundamentals and stable earnings and revenue, but weak profitability margins and limited growth momentum.
Analytical data, not an investment recommendation. Updated daily.
How we calculate this ↗MARGIN OF SAFETY
A 20% margin of safety below fair value — the conservative entry level for risk-aware investors.
SAFETY MARGIN
20%
Below fair value
ENTRY LEVEL
$65.54
Fair price × 0.80
DISTANCE
48.5%
Price to entry level
At the current price of $44.13, PEBK trades 48.5% below the conservative entry level of $65.54. The stock is currently priced below the 20% margin of safety threshold, indicating a potential value opportunity based on the model.
Margin of safety is a risk management concept, not an investment recommendation. The 20% threshold follows Benjamin Graham's value investing framework. Fair price and entry levels are model-based estimates updated daily. Learn more about Margin of Safety ↗
VALUATION HISTORY
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P/E RATIO HISTORY
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METHODOLOGY
How we calculate PEBK's fair price
Peoples Bancorp of North Carolina, Inc.'s fair price of $81.93 is derived from a blended model that combines DCF analysis (50%), relative valuation against Financial Services peers using metrics like P/E and EV/EBITDA (30%), and analyst consensus (20%). At the current market price of $44.13, PEBK trades 85.7% below its calculated fair value.
DCF MODEL · 50%
Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting PEBK's risk profile.
RELATIVE · 30%
Comparing PEBK's valuation multiples against Financial Services peers to determine if the stock is over or undervalued relative to its industry.
ANALYST · 20%
Aggregated analyst price targets for PEBK, weighted by recency and analyst accuracy.
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What is the fair price of PEBK?+
Based on our blended model combining DCF analysis (50%), relative valuation against Financial Services peers (30%), and analyst consensus (20%), the fair price for Peoples Bancorp of North Carolina, Inc. is $81.93. At the current market price of $44.13, PEBK trades 85.7% below its calculated fair value.
Is PEBK overvalued or undervalued?+
Peoples Bancorp of North Carolina, Inc. is currently undervalued based on our valuation model. The stock trades at $44.13, which is 85.7% below the fair price of $81.93. The P/E ratio of 15.6x is a key metric in the valuation.
What is the margin of safety for PEBK?+
With a 20% margin of safety applied to the fair price of $81.93, the conservative entry level for PEBK is $65.54. At the current market price of $44.13, the stock trades 48.5% below this entry level. Margin of safety is a risk management concept from Benjamin Graham's value investing framework, not an investment recommendation.
How often is PEBK's fair price updated?+
We update fair price calculations for PEBK daily after market close. The current fair price of $81.93 incorporates the latest market data and sector multiples.
What factors affect PEBK's fair price calculation?+
PEBK's fair price of $81.93 is derived from DCF analysis (50% weight), relative valuation against Financial Services peers (30% weight), and analyst consensus (20% weight). Key metrics include P/E of 15.6x, ROE of 13.1%, and dividend yield of 2.70%.
Is PEBK a good buy right now?+
At $44.13, PEBK trades 85.7% below our fair value estimate of $81.93. The stock is currently undervalued. ROE stands at 13.1% (average). Fair Price Index provides valuation data — always do your own research before investing.
Does PEBK pay dividends?+
PEBK has a dividend yield of 2.70%.
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Fair Price Index is for informational purposes only and does not constitute investment advice. Fair value calculations are model-based estimates and may not reflect actual market conditions. Always conduct your own research before making investment decisions.