Intrinsic value of Peoples Bancorp of North Carolina - PEBK

Previous Close

$32.34

  Intrinsic Value

$0.00

stock screener

  Rating & Target

str. sell

-100%

Previous close

$32.34

 
Intrinsic value

$0.00

 
Up/down potential

-100%

 
Rating

str. sell

Our model is not good at valuating stocks of financial companies, such as PEBK.

We calculate the intrinsic value of PEBK stock by summing up the current values of future distributable cash flows generated by the company and dividing the sum by the number of outstanding shares. As such, the intrinsic value calculation depends entirely on projections. The more accurate your projections of the company's performance are - the more reliable is the intrinsic value calculation result. Please make sure to check the stock valuation input data below and adjust it if necessary. The quality of the output (intrinsic valuation result) is only as good as the quality of the input. See also DISCLAIMERS.

STOCK VALUATION INPUT DATA

Initial revenue growth rate, %
Terminal revenue growth rate, %
Revenue decline factor
Initial discount rate, %
Discount rate multiplier
Shares outstanding, mln

 

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year
2016(a)
   2017
   2018
   2019
   2020
   2021
   2022
   2023
   2024
   2025
   2026
   2027
   2028
   2029
   2030
   2031
   2032
   2033
   2034
   2035
   2036
   2037
   2038
   2039
   2040
   2041
   2042
   2043
   2044
   2045
   2046

INCOME STATEMENT

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenue growth rate, %
  -100.00
  2.30
  2.57
  2.81
  3.03
  3.23
  3.41
  3.57
  3.71
  3.84
  3.95
  4.06
  4.15
  4.24
  4.31
  4.38
  4.44
  4.50
  4.55
  4.59
  4.64
  4.67
  4.70
  4.73
  4.76
  4.78
  4.81
  4.83
  4.84
  4.86
  4.87
Revenue, $m
  0
  54
  56
  57
  59
  61
  63
  65
  68
  70
  73
  76
  79
  82
  86
  90
  94
  98
  102
  107
  112
  117
  123
  129
  135
  141
  148
  155
  163
  170
  179
Variable operating expenses, $m
 
  42
  43
  44
  46
  47
  49
  50
  52
  54
  57
  59
  61
  64
  67
  70
  73
  76
  79
  83
  87
  91
  95
  100
  104
  109
  115
  120
  126
  132
  139
Fixed operating expenses, $m
 
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total operating expenses, $m
  0
  42
  43
  44
  46
  47
  49
  50
  52
  54
  57
  59
  61
  64
  67
  70
  73
  76
  79
  83
  87
  91
  95
  100
  104
  109
  115
  120
  126
  132
  139
Operating income, $m
  0
  12
  13
  13
  13
  14
  14
  15
  15
  16
  16
  17
  18
  19
  19
  20
  21
  22
  23
  24
  25
  26
  28
  29
  30
  32
  33
  35
  37
  38
  40
EBITDA, $m
  5
  124
  127
  131
  135
  139
  144
  149
  154
  160
  167
  173
  181
  188
  196
  205
  214
  224
  234
  245
  256
  268
  280
  294
  308
  322
  338
  354
  371
  389
  408
Interest expense (income), $m
  3
  54
  51
  52
  53
  54
  56
  58
  60
  62
  64
  66
  69
  71
  74
  77
  80
  84
  87
  91
  95
  99
  103
  108
  113
  118
  123
  129
  135
  141
  148
Earnings before tax, $m
  12
  -42
  -38
  -39
  -40
  -41
  -42
  -43
  -44
  -46
  -47
  -49
  -51
  -53
  -55
  -57
  -59
  -62
  -64
  -67
  -70
  -73
  -76
  -79
  -82
  -86
  -90
  -94
  -98
  -103
  -108
Tax expense, $m
  3
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Net income, $m
  9
  -42
  -38
  -39
  -40
  -41
  -42
  -43
  -44
  -46
  -47
  -49
  -51
  -53
  -55
  -57
  -59
  -62
  -64
  -67
  -70
  -73
  -76
  -79
  -82
  -86
  -90
  -94
  -98
  -103
  -108

BALANCE SHEET

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cash and short-term investments, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total assets, $m
  1,088
  935
  959
  986
  1,016
  1,048
  1,084
  1,123
  1,164
  1,209
  1,257
  1,308
  1,362
  1,420
  1,481
  1,546
  1,615
  1,688
  1,764
  1,845
  1,931
  2,021
  2,116
  2,216
  2,322
  2,433
  2,550
  2,673
  2,803
  2,939
  3,082
Adjusted assets (=assets-cash), $m
  1,088
  935
  959
  986
  1,016
  1,048
  1,084
  1,123
  1,164
  1,209
  1,257
  1,308
  1,362
  1,420
  1,481
  1,546
  1,615
  1,688
  1,764
  1,845
  1,931
  2,021
  2,116
  2,216
  2,322
  2,433
  2,550
  2,673
  2,803
  2,939
  3,082
Revenue / Adjusted assets
  0.000
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
  0.058
Average production assets, $m
  17
  1,117
  1,146
  1,178
  1,214
  1,253
  1,295
  1,342
  1,391
  1,445
  1,502
  1,563
  1,628
  1,697
  1,770
  1,847
  1,930
  2,016
  2,108
  2,205
  2,307
  2,415
  2,529
  2,648
  2,774
  2,907
  3,047
  3,194
  3,348
  3,511
  3,682
Working capital, $m
  0
  -1,000
  -1,026
  -1,055
  -1,087
  -1,122
  -1,160
  -1,201
  -1,246
  -1,294
  -1,345
  -1,400
  -1,458
  -1,519
  -1,585
  -1,654
  -1,728
  -1,806
  -1,888
  -1,975
  -2,066
  -2,163
  -2,264
  -2,372
  -2,485
  -2,603
  -2,729
  -2,860
  -2,999
  -3,144
  -3,298
Total debt, $m
  57
  935
  957
  981
  1,008
  1,038
  1,070
  1,105
  1,142
  1,182
  1,225
  1,271
  1,320
  1,372
  1,427
  1,486
  1,547
  1,613
  1,682
  1,755
  1,832
  1,913
  1,999
  2,089
  2,184
  2,284
  2,389
  2,500
  2,616
  2,739
  2,868
Total liabilities, $m
  981
  841
  863
  887
  914
  944
  976
  1,011
  1,048
  1,088
  1,131
  1,177
  1,226
  1,278
  1,333
  1,392
  1,453
  1,519
  1,588
  1,661
  1,738
  1,819
  1,905
  1,995
  2,090
  2,190
  2,295
  2,406
  2,522
  2,645
  2,774
Total equity, $m
  107
  93
  96
  99
  102
  105
  108
  112
  116
  121
  126
  131
  136
  142
  148
  155
  161
  169
  176
  185
  193
  202
  212
  222
  232
  243
  255
  267
  280
  294
  308
Total liabilities and equity, $m
  1,088
  934
  959
  986
  1,016
  1,049
  1,084
  1,123
  1,164
  1,209
  1,257
  1,308
  1,362
  1,420
  1,481
  1,547
  1,614
  1,688
  1,764
  1,846
  1,931
  2,021
  2,117
  2,217
  2,322
  2,433
  2,550
  2,673
  2,802
  2,939
  3,082
Debt-to-equity ratio
  0.533
  10.010
  9.980
  9.950
  9.930
  9.900
  9.870
  9.840
  9.810
  9.780
  9.750
  9.720
  9.690
  9.660
  9.630
  9.610
  9.580
  9.560
  9.530
  9.510
  9.490
  9.470
  9.440
  9.420
  9.400
  9.390
  9.370
  9.350
  9.340
  9.320
  9.310
Adjusted equity ratio
  0.098
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100

CASH FLOW

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income, $m
  9
  -42
  -38
  -39
  -40
  -41
  -42
  -43
  -44
  -46
  -47
  -49
  -51
  -53
  -55
  -57
  -59
  -62
  -64
  -67
  -70
  -73
  -76
  -79
  -82
  -86
  -90
  -94
  -98
  -103
  -108
Depreciation, amort., depletion, $m
  5
  112
  115
  118
  121
  125
  130
  134
  139
  144
  150
  156
  163
  170
  177
  185
  193
  202
  211
  220
  231
  241
  253
  265
  277
  291
  305
  319
  335
  351
  368
Funds from operations, $m
  9
  70
  77
  79
  82
  85
  88
  91
  95
  99
  103
  107
  112
  117
  122
  128
  134
  140
  147
  154
  161
  169
  177
  186
  195
  205
  215
  225
  236
  248
  261
Change in working capital, $m
  -3
  -22
  -26
  -29
  -32
  -35
  -38
  -41
  -45
  -48
  -51
  -55
  -58
  -62
  -66
  -69
  -74
  -78
  -82
  -87
  -92
  -97
  -102
  -107
  -113
  -119
  -125
  -132
  -139
  -146
  -153
Cash from operations, $m
  12
  92
  102
  108
  114
  120
  126
  132
  139
  146
  154
  162
  170
  179
  188
  197
  207
  218
  229
  240
  253
  265
  279
  293
  308
  323
  340
  357
  375
  394
  414
Maintenance CAPEX, $m
  0
  -109
  -112
  -115
  -118
  -121
  -125
  -130
  -134
  -139
  -144
  -150
  -156
  -163
  -170
  -177
  -185
  -193
  -202
  -211
  -220
  -231
  -241
  -253
  -265
  -277
  -291
  -305
  -319
  -335
  -351
New CAPEX, $m
  -2
  -27
  -29
  -32
  -36
  -39
  -43
  -46
  -50
  -53
  -57
  -61
  -65
  -69
  -73
  -78
  -82
  -87
  -92
  -97
  -102
  -108
  -114
  -120
  -126
  -133
  -140
  -147
  -155
  -163
  -171
Cash from investing activities, $m
  -24
  -136
  -141
  -147
  -154
  -160
  -168
  -176
  -184
  -192
  -201
  -211
  -221
  -232
  -243
  -255
  -267
  -280
  -294
  -308
  -322
  -339
  -355
  -373
  -391
  -410
  -431
  -452
  -474
  -498
  -522
Free cash flow, $m
  -12
  -44
  -38
  -39
  -40
  -41
  -42
  -43
  -45
  -46
  -48
  -49
  -51
  -53
  -55
  -57
  -60
  -62
  -64
  -67
  -70
  -73
  -76
  -80
  -83
  -87
  -91
  -95
  -99
  -104
  -108
Issuance/(repayment) of debt, $m
  -9
  -66
  22
  24
  27
  30
  32
  35
  37
  40
  43
  46
  49
  52
  55
  58
  62
  65
  69
  73
  77
  81
  86
  90
  95
  100
  105
  111
  117
  123
  129
Issuance/(repurchase) of shares, $m
  -2
  135
  40
  42
  43
  44
  45
  47
  49
  50
  52
  54
  56
  59
  61
  63
  66
  69
  72
  75
  78
  82
  85
  89
  93
  97
  102
  106
  111
  117
  122
Cash from financing (excl. dividends), $m  
  44
  69
  62
  66
  70
  74
  77
  82
  86
  90
  95
  100
  105
  111
  116
  121
  128
  134
  141
  148
  155
  163
  171
  179
  188
  197
  207
  217
  228
  240
  251
Total cash flow (excl. dividends), $m
  32
  26
  24
  27
  30
  33
  36
  38
  41
  44
  48
  51
  54
  57
  61
  65
  68
  72
  76
  81
  85
  90
  95
  100
  105
  111
  116
  122
  129
  135
  142
Retained Cash Flow (-), $m
  -2
  -135
  -40
  -42
  -43
  -44
  -45
  -47
  -49
  -50
  -52
  -54
  -56
  -59
  -61
  -63
  -66
  -69
  -72
  -75
  -78
  -82
  -85
  -89
  -93
  -97
  -102
  -106
  -111
  -117
  -122
Prev. year cash balance distribution, $m
 
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash flow adjustment, $m
 
  1
  1
  1
  1
  1
  1
  1
  1
  1
  1
  1
  1
  1
  1
  1
  1
  1
  1
  1
  1
  1
  1
  1
  1
  1
  2
  2
  2
  2
  2
Cash available for distribution, $m
 
  -109
  -17
  -15
  -13
  -11
  -10
  -9
  -7
  -6
  -5
  -3
  -2
  -1
  0
  1
  2
  3
  5
  6
  7
  8
  9
  11
  12
  13
  15
  16
  17
  19
  20
Discount rate, %
 
  15.60
  16.38
  17.20
  18.06
  18.96
  19.91
  20.91
  21.95
  23.05
  24.20
  25.41
  26.68
  28.02
  29.42
  30.89
  32.43
  34.05
  35.76
  37.54
  39.42
  41.39
  43.46
  45.63
  47.92
  50.31
  52.83
  55.47
  58.24
  61.15
  64.21
PV of cash for distribution, $m
 
  -94
  -12
  -9
  -7
  -5
  -3
  -2
  -1
  -1
  -1
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Current shareholders' claim on cash, %
  100
  50.0
  34.9
  24.4
  17.0
  11.9
  8.3
  5.8
  4.0
  2.8
  2.0
  1.4
  1.0
  0.7
  0.5
  0.3
  0.2
  0.2
  0.1
  0.1
  0.1
  0.0
  0.0
  0.0
  0.0
  0.0
  0.0
  0.0
  0.0
  0.0
  0.0

Peoples Bancorp of North Carolina, Inc. is a holding company for Peoples Bank (the Bank). The Bank is a state-chartered commercial bank, which serves the citizens and business interests of the Catawba Valley and surrounding communities. The Bank has approximately 20 banking offices located in Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, Charlotte, Monroe, Cornelius, Mooresville Raleigh and North Carolina. The Bank also operates loan production offices in Denver, Durham and Winston-Salem, North Carolina. The Bank has approximately 679.5 million loans and 832.2 million deposits. The Bank operates approximately four offices focused on the Latino population under the name Banco de la Gente (Banco) and these offices are operated as a division of the Bank. The Bank's loan portfolio consists of commercial real estate loans, commercial loans, construction and land development loans, and residential mortgage loans.

FINANCIAL RATIOS  of  Peoples Bancorp of North Carolina (PEBK)

Valuation Ratios
P/E Ratio 21.4
Price to Sales 0
Price to Book 1.8
Price to Tangible Book
Price to Cash Flow 16.1
Price to Free Cash Flow 19.3
Growth Rates
Sales Growth Rate -100%
Sales - 3 Yr. Growth Rate %
EPS Growth Rate %
EPS - 3 Yr. Growth Rate %
Capital Spending Gr. Rate 0%
Cap. Spend. - 3 Yr. Gr. Rate 0%
Financial Strength
Quick Ratio NaN
Current Ratio NaN
LT Debt to Equity 53.3%
Total Debt to Equity 53.3%
Interest Coverage 5
Management Effectiveness
Return On Assets 1.1%
Ret/ On Assets - 3 Yr. Avg. 1.1%
Return On Total Capital 5.7%
Ret/ On T. Cap. - 3 Yr. Avg. 5.9%
Return On Equity 8.5%
Return On Equity - 3 Yr. Avg. 9.4%
Asset Turnover 0
Profitability Ratios
Gross Margin 0%
Gross Margin - 3 Yr. Avg. 0%
EBITDA Margin 0%
EBITDA Margin - 3 Yr. Avg. 0%
Operating Margin 0%
Oper. Margin - 3 Yr. Avg. 0%
Pre-Tax Margin 0%
Pre-Tax Margin - 3 Yr. Avg. 0%
Net Profit Margin 0%
Net Profit Margin - 3 Yr. Avg. 0%
Effective Tax Rate 25%
Eff/ Tax Rate - 3 Yr. Avg. 22.1%
Payout Ratio 22.2%

PEBK stock valuation input parameters

Revenue. Company's revenue (or sales) is always the starting point of any cash flow forecast. In the PEBK stock intrinsic value calculation we used $53 million for the last fiscal year's total revenue generated by Peoples Bancorp of North Carolina. The default revenue input number comes from 2016 income statement of Peoples Bancorp of North Carolina. You may change it if you feel that it should be adjusted for some unusual circumstances that are not expected to be repeated in the future or if you already know (from interim financial statements, for example) that this year's revenue is going to be quite different.

Revenue growth rate. Forecasted future revenue growth rate is the most important input parameter for the intrinsic value calculation. Unlike other input parameters that are reasonably expected to be in line with their historic averages or their historic trends, the revenue growth rate by and large is a wild card: nobody really knows what the company's revenue will be in the future. Of course, the level of unpredictability is different for different industries (utility companies being the most predictable and, thus, less risky).
    We use three input parameters to forecast the revenue growth rate in our PEBK stock valuation model: a) initial revenue growth rate of 2.3% whose default value is the revenue growth rate in the most recent quarter compared to the quarterly revenue a year ago; b) terminal revenue growth rate of 5% whose default value is chosen to be close to the average nominal (i.e. not adjusted for inflation) GDP growth rate; and c) revenue decline factor of 0.9, which stipulates that revenue growth rate in each forecasted year will be equal to the difference of the revenue growth rate in the preceding year and the terminal revenue growth rate multiplied by this revenue decline factor (with the passage of time the revenue growth rate will be approaching the terminal revenue growth rate, but not quite reaching it - though the difference could be infinitesimally small).
    At the revenue decline factor of 1, the future revenue growth rate is forecasted to be constant and equal to the initial revenue growth rate. The smaller the revenue decline factor, the faster the revenue growth rate will approach the terminal revenue growth.

Discount rate. The discount rate is used for determining the present value of future cash flows: future cash flows are "discounted" as at normal conditions (that translate into positive expected return on investment) one dollar today is worth more than the same dollar in the future. Unlike all other valuation models, we use variable discount rate, i.e. it increases for each consecutive year. This is done to account for higher risk of cash flows coming in further in the future.
    The initial discount rate of 15.6%, whose default value for PEBK is calculated based on our internal credit rating of Peoples Bancorp of North Carolina, is applied to the cash flow expected to be received a year from now (well, actually, to be precise, in the financial year following the base year - the last year for which we have financial statements). For each consecutive year the discount rate is multiplied by the discount rate multiplier of 1.05, e.i. each year it increases by 5%. Feel free to change this number to correspond to your level of risk assessment of Peoples Bancorp of North Carolina.
    By the way, it is easy to set the discount rate to be constant (this would make comparison with other valuation models easier): just set the discount rate multiplier equal to 1 and chose the magnitude of the initial discount rate to your liking.

Variable cost ratio is the ratio of variable costs (i.e. costs that fluctuate with fluctuation of the volume of production) to the revenue expressed as a percentage. In the calculation of intrinsic value of PEBK stock the variable cost ratio is equal to 77.5%.

Fixed operating expenses is just that - expenses that are not dependant on the volume of production. They are set to $0 million in the base year in the intrinsic value calculation for PEBK stock. These expenses increase with the level of inflation in subsequent years.

Interest rate on debt is the average all-in rate of interest paid by the company on its debt. It is set at 5.4% for Peoples Bancorp of North Carolina.

Corporate tax rate of 27% is the nominal tax rate for Peoples Bancorp of North Carolina. In reality, companies find ways to pay much less taxes than that or not to pay them at all.

Cash flow adjustment could be used for any adjustment the investor deems necessary. Most commonly we use this field to account for stock options-related effects in excess of what is reported on the company's income statement. The cash flow adjustment is expressed as a percentage of the revenue, and in the current valuation of the PEBK stock is equal to 1.1%.

Production assets are the company's assets used for manufacturing products or provision of services. In the valuation model input table they are expressed as a percentage of revenue and for PEBK are equal to 2060%.

Life of production assets of 10 years is the average useful life of capital assets used in Peoples Bancorp of North Carolina operations. It is used to calculate yearly capital expenditures needed to keep these assets in good order - we call it the maintenance CAPEX.

Working capital is the difference between the company's current assets and liabilities. In the model we use the ratio of working capital to revenue, which for PEBK is equal to -1844.8%. A negative number means that the company is apt at using financial resources of its suppliers and customers; a large positive number, on the other hand, means that it either provides in-kind financing to others or is not good at managing its inventories.

Book value of equity - $0 million for Peoples Bancorp of North Carolina - is used in calculation of the "floor" for intrinsic valuation based on the discounted cash flow (DCF) method. Even if the prospects are very bad for a company, its assets could always be sold now for their current fair market value.

Shares outstanding of 6 million for Peoples Bancorp of North Carolina is needed to calculate the intrinsic value of one share.

Market capitalization is used here only for reference purposes and as a quick check that the share price and the number of shares outstanding numbers are correct - something especially to be cognizant about at stock splits. So, the market capitalization of Peoples Bancorp of North Carolina at the current share price and the inputted number of shares is $0.2 billion.

RELATED COMPANIES Price Int.Val. Rating
FBNC First Bancorp 41.23 92.09  str.buy
SLCT Select Bancorp 13.18 2.97  str.sell

COMPANY NEWS

▶ Peoples Bancorp Announces Cash Dividend   [May-18-18 10:26AM  GlobeNewswire]
▶ Peoples Bancorp Announces Cash Dividend   [Feb-20-18 08:50AM  GlobeNewswire]
▶ Peoples Bancorp Announces Cash Dividend   [Aug-18-17 10:15AM  GlobeNewswire]
▶ Peoples Bancorp of North Carolina posts 2Q profit   [Jul-24-17 10:31PM  Associated Press]
▶ Peoples Bancorp Announces Cash Dividend   [May-19-17 12:32PM  GlobeNewswire]
▶ Peoples Bancorp Announces Cash Dividend   [Feb-17-17 10:14AM  GlobeNewswire]
▶ I Hope Some Banks Have a Bad Quarter   [Jan-12-17 10:00AM  TheStreet.com]
▶ Peoples Bancorp Announces Cash Dividend   [Nov-18-16 01:48PM  GlobeNewswire]
▶ Peoples Bancorp Announces Cash Dividend   [Aug-19-16 10:33AM  GlobeNewswire]
▶ Peoples Bancorp Announces Cash Dividend   [May-20-16 10:17AM  GlobeNewswire]
▶ Peoples Bancorp Announces Cash Dividend   [Feb-19-16 01:35PM  GlobeNewswire]
▶ Peoples Bancorp Announces Cash Dividend   [Nov-20  11:57AM  GlobeNewswire]
▶ Peoples Bancorp Announces Cash Dividend   [Aug-21  11:00AM  GlobeNewswire]
▶ 10-Q for Peoples Bancorp of North Carolina, Inc.   [Aug-10  08:13PM  at Company Spotlight]
▶ Peoples Bancorp Announces Cash Dividend   [May-22  11:44AM  GlobeNewswire]
▶ 10-Q for Peoples Bancorp of North Carolina, Inc.   [May-11  08:12PM  at Company Spotlight]
▶ 10-K for Peoples Bancorp of North Carolina, Inc.   [May-01  08:11PM  at Company Spotlight]
▶ Peoples Bancorp Announces Cash Dividend   [Feb-20  12:55PM  at noodls]
▶ Peoples Bancorp Announces Cash Dividend   [12:38PM  GlobeNewswire]
▶ Peoples Bancorp Announces Cash Dividend   [Nov-21  12:28PM  at noodls]
▶ Peoples Bancorp Announces Cash Dividend   [12:13PM  GlobeNewswire]
▶ 10-Q for Peoples Bancorp of North Carolina, Inc.   [Nov-10  07:08PM  Company Spotlight]
▶ Peoples Bancorp Announces Cash Dividend   [Aug-21  01:33PM  GlobeNewswire]
Financial statements of PEBK
Valuation of Stocks

The paper VALUATION OF STOCKS: The Quest for Intrinsic Value provides a detailed description of our valuation model and discloses the calculation algorithm.

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