Is PEBK or PFS more undervalued in 2026?

CirclFi compares Peoples Bancorp of North Caroli (PEBK) and Provident Financial Services, I (PFS) using 13 institutional-grade valuation models. PEBK has a Quality of Company score of 8.8/10 while PFS scores 8.6/10.

Which is a better buy — PEBK or PFS?

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 PFS valuations compare?

PEBK at $42.36 and PFS at $22.16 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

PEBK vs PFS 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

PFS

Banks - Regional

Provident Financial Services, I

Quality

8.6

out of 10

Value Trap

LOW

Price

$22.16

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	PEBK Fair Value	PEBK Upside	PFS Fair Value	PFS Upside
Bayesian DCF	Intrinsic	$27.25	-35.7%	$4.77	-78.5%
Earnings Power Value	Intrinsic	$36.22	-14.5%	$4.92	-78.2%
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 PFS — Which Stock Is More Undervalued?

PEBK scores higher with a 8.8/10 quality rating vs PFS's 8.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Peoples Bancorp of North Caroli (PEBK) and Provident Financial Services, I (PFS) 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 PFS trades at $22.16 with a QOC of 8.6/10.

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).