Prices and market caps: Cboe delayed data, at least 15 minutes delayed. Not real-time. Fundamentals from company filings.

PEBK — Fair Value Analysis

PEOPLES BANCORP OF NORTH CAROLINA INC

Current: $44.60Price inside range

Fair Value Range

Bear Case (25th pct.)

$39.82

-10.7% vs price

Base Case (Median)

$43.38

-2.7% vs price

Bull Case (75th pct.)

$46.28

3.8% vs price

$39.82$43.38$46.28

◇ = Current price | | Bear | Base | Bull

Method Breakdown

Method	Est. Value	vs Price	Weight
DCF (Discounted Cash Flow)	$36.26	-18.7%	High (40%)
PE Comparable	$43.38	-2.7%	Medium (25%)
Graham Number	$49.18	10.3%	High (80%)

Interpretation

Based on 3 out of 8 methods, PEBK appears fairly valued at the current price of $44.60. The base case fair value of $43.38 implies 2.7% downside.

Bear/base/bull cases represent the 25th, 50th, and 75th percentile of available method estimates. This is not financial advice. Valuation is inherently uncertain.