Is PEBK or PEBO more undervalued in 2026?

CirclFi compares Peoples Bancorp of North Caroli (PEBK) and Peoples Bancorp Inc. (PEBO) using 13 institutional-grade valuation models. PEBK has a Quality of Company score of 8.8/10 while PEBO scores 8.9/10.

Which is a better buy — PEBK or PEBO?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do PEBK and PEBO valuations compare?

PEBK at $42.36 and PEBO at $34.84 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

PEBK vs PEBO Valuation Comparison 2026 — Intrinsic Value Analysis

PEBK

Banks - Regional

Peoples Bancorp of North Caroli

Quality

8.8

out of 10

Value Trap

SAFE

Price

$42.36

Last close

Models

11/13

Active

PEBO

Banks - Regional

Peoples Bancorp Inc.

Quality

8.9

out of 10

Value Trap

SAFE

Price

$34.84

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	PEBK Fair Value	PEBK Upside	PEBO Fair Value	PEBO Upside
Bayesian DCF	Intrinsic	$27.25	-35.7%	$17.38	-50.1%
Earnings Power Value	Intrinsic	$36.22	-14.5%	$6.63	-81.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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PEBK vs PEBO — Which Stock Is More Undervalued?

PEBO scores higher with a 8.9/10 quality rating vs PEBK's 8.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Peoples Bancorp of North Caroli (PEBK) and Peoples Bancorp Inc. (PEBO) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

PEBK currently trades at $42.36 with a QOC of 8.8/10, while PEBO trades at $34.84 with a QOC of 8.9/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).