What is the 13F Pro Quality Score for PEBK?

13F Pro ranks PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View PEBK's current score at https://13fpro.ai/research/PEBK (free sign-up required for the full ranking).

Where does 13F Pro source PEBK data?

All PEOPLES BANCORP OF NORTH CAROLINA INC fundamentals and ownership data come directly from SEC EDGAR. PEOPLES BANCORP OF NORTH CAROLINA INC files with the SEC under CIK 1093672. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is PEBK in?

PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is PEBK research updated on 13F Pro?

PEBK's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

PEOPLES BANCORP OF NORTH CAROLINA INC(PEBK)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

PEBK Stock Analysis & AI Quality Score

AI stock analysis and institutional research for PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK), a Financials sector company. PEBK is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), PEOPLES BANCORP OF NORTH CAROLINA INC reports quarterly revenue of $21.6M, net income of $4.4M, an operating margin of 26.2%. Top institutional holders of PEBK by reported 13-F value include WELLINGTON MANAGEMENT GROUP LLP, BlackRock,, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. PEBK trades on the Nasdaq exchange and files with the SEC under CIK 1093672. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate PEBK daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for PEOPLES BANCORP OF NORTH CAROLINA INC directly from SEC EDGAR.

Revenue

Q1 2026

$21.6M

Net Income

Q1 2026

$4.4M

Free Cash Flow

Q1 2026

$4.6M

Operating Margin

Q1 2026

26.2%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Net Income

+21.3% YoY

$19.8MFY 2025

FY21 $15.1MFY22 $16.1MFY24 $16.4MFY25 $19.8M

EPS (Diluted)

+21.5% YoY

$3.62FY 2025

FY21 $0.00FY22 $0.00FY24 $2.98FY25 $3.62

Total Assets

+3.0% YoY

$1.70BFY 2025

FY21 $1.62BFY22 $1.62BFY24 $1.65BFY25 $1.70B

Op. Cash Flow

+4.0% YoY

$21.4MFY 2025

FY21 $26.9MFY22 $22.6MFY24 $20.6MFY25 $21.4M

Metric	FY 2025	FY 2024	FY 2022	FY 2021	FY 2019	FY 2017
Net Income	$19.8M +21.3%	$16.4M +1.4%	$16.1M +6.5%	$15.1M +7.6%	$14.1M +37.0%	$10.3M
EPS (Diluted)	$3.62 +21.5%	$2.98 +102658.6%	$0.00 +11.5%	$0.00	$0.00	$0.00
Total Assets	$1.70B +3.0%	$1.65B +1.9%	$1.62B -0.2%	$1.62B +40.6%	$1.15B +5.7%	$1.09B
Operating Cash Flow	$21.4M +4.0%	$20.6M -9.1%	$22.6M -15.9%	$26.9M +103.8%	$13.2M -29.0%	$18.6M

AI Insight: PEBK Financial Trends

Equity has grown steadily from $124M to $158M over eight quarters, but net income remains range-bound at $4–7M with no clear acceleration.

• Equity expanded consistently from $124M in Q2 2024 to $158M in Q1 2026, a 27% cumulative increase over eight quarters.

• Net income has been largely flat at $4–5M per quarter; Q4 2025's $7M spike appears one-off, with Q1 2026 reverting to $4M.

• Operating cash flow has held steady in the $5–7M range throughout, showing no meaningful growth or deterioration.

⚠ Net income returned to $4M in Q1 2026 after Q4 2025's $7M — confirm whether that spike was sustainable or a one-time item.

⚠ Revenue and operating income data are entirely absent; margin trends and earnings quality cannot be assessed without them.

AI Insight: PEBK Ratio Trends

PEBK's profitability is volatile quarter-to-quarter, with Q4 2025's ROE spike to 16.9% giving way to a sharp Q1 2026 pullback to 11.1%.

• ROE swung from 16.9% in Q4 2025 down to 11.1% in Q1 2026, continuing a pattern of steep quarterly reversals.

• ROIC peaked at 22.3% in Q4 2025 but collapsed to 14.3% in Q1 2026, the second-lowest reading in the dataset.

• TTM ROA of 1.1% and ROIC of 16.4% sit near mid-range, suggesting no sustained deterioration on a trailing basis.

⚠ Q1 returns (ROE 11.1%, ROA 1.0%) are consistently weak — confirm whether Q1 seasonality or structural pressure drives this.

⚠ Q4 2025 ROA spiked to 1.6% — monitor whether a one-off item inflated results and whether Q2 2026 reverts similarly.

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Available Research

13F Pro tracks comprehensive data for PEOPLES BANCORP OF NORTH CAROLINA INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of PEBK

WELLINGTON MANAGEMENT GROUP LLP
$16.4M418,608 sh
BlackRock, Inc.
$11.4M289,873 sh
VANGUARD CAPITAL MANAGEMENT LLC
$9.0M229,006 sh
GENDELL JEFFREY L
$8.5M217,763 sh
Fourthstone LLC
$7.6M194,918 sh
DIMENSIONAL FUND ADVISORS LP
$6.6M167,283 sh
GEODE CAPITAL MANAGEMENT, LLC
$4.2M106,256 sh
BRIDGEWAY CAPITAL MANAGEMENT, LLC
$3.2M81,132 sh
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP
$2.4M60,852 sh
STATE STREET CORP
$2.1M54,780 sh

Fund	Value	Shares
WELLINGTON MANAGEMENT GROUP LLP	$16.4M	418,608
BlackRock, Inc.	$11.4M	289,873
VANGUARD CAPITAL MANAGEMENT LLC	$9.0M	229,006
GENDELL JEFFREY L	$8.5M	217,763
Fourthstone LLC	$7.6M	194,918
DIMENSIONAL FUND ADVISORS LP	$6.6M	167,283
GEODE CAPITAL MANAGEMENT, LLC	$4.2M	106,256
BRIDGEWAY CAPITAL MANAGEMENT, LLC	$3.2M	81,132
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP	$2.4M	60,852
STATE STREET CORP	$2.1M	54,780

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Is PEBK a good stock to buy?

13F Pro's AI-powered analysis of PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for PEBK are available on the PEBK stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own PEBK?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling PEBK. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of PEOPLES BANCORP OF NORTH CAROLINA INC's investment landscape.