What is PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK)'s PEG ratio?

PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) has a PEG ratio of 0.90 (Potentially Undervalued), based on a PE ratio of 11.9 and expected EPS growth of 13.2% (5-Year EPS CAGR).

Is PEBK undervalued based on its PEG ratio?

A PEG below 1.0 is conventionally read as potentially undervalued, 1.0–2.0 as fairly valued, and above 2.0 as potentially overvalued relative to growth. At 0.90, PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) screens as "Potentially Undervalued". PEG is one signal, not investment advice — see the full DCF fair value at evidinvest.com/valuation/PEBK.

PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) PEG Ratio

Potentially Undervalued

PE ratio relative to earnings growth — is the valuation justified?

0.90

PEG Ratio

PEG ratio is generally unreliable for Financial Services companies — earnings are driven by interest margins and provisions

PEG ratio is generally unreliable for Financial Services companies

0.90

Growth Rate Source

Good Data Quality5-Year EPS CAGR

Current Price

$43.34

TTM EPS

$3.64

P/E Ratio

11.91

Growth Rate

13.2%

5-Year EPS CAGR

Sector

Financial Services

Banks - Regional

Calculated

8/28/2026

3:31:03 PM

Peer Comparison

Sample Size

6 peers

Industry Median PEG

1.50

25th Percentile

1.09

75th Percentile

5.53

PEBK PEG (0.90) vs Industry Median (1.50): 40% discount

Symbol	Company	PEG	P/E	Growth	vs PEBK
FCCO	FIRST COMMUNITY CORP /SC/	0.96	12.5	13.0%	+6%
MBCN	Middlefield Banc Corp.	1.09	14.1	12.9%	+21%
PKBK	PARKE BANCORP, INC.	1.48	8.8	5.9%	+64%
NWFL	NORWOOD FINANCIAL CORP	1.52	11.5	7.6%	+69%
OPOF	Old Point Financial Corporation	5.53	24.8	4.5%	+514%

How to Interpret PEG Ratio

PEG < 1.0 — Potentially Undervalued. The stock may be priced below its earnings growth rate, suggesting a potential buying opportunity.

PEG 1.0–2.0 — Fairly Valued. The stock price is roughly in line with its earnings growth. A PEG of 1.0 is often considered "fair value."

PEG > 2.0 — Potentially Overvalued. The stock may be priced above what its earnings growth justifies.

Limitations:PEG ratios are less reliable for financial firms (earnings driven by interest margins), companies with negative/zero earnings growth, and hypergrowth companies (>100% growth) where the ratio may appear misleadingly low. Always use PEG alongside other valuation metrics.

PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) PEG Ratio

Peer Comparison

How to Interpret PEG Ratio

More on PEBK

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PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) PEG Ratio

Peer Comparison

How to Interpret PEG Ratio

More on PEBK

Compare with peers

Explore