Peoples Bancorp of North Carolina, Inc. (PEBK) Fair Value 2026

PEBK · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.8 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (18/100)

Quick Summary — As of 2026-08-28, Peoples Bancorp of North Carolina, Inc. (PEBK) trades at $43.80, versus a $35.84 median fair value across its 6 active models — 18.2% below the current price. QOC: 7.8/10. Value Trap Risk: 18/100 (SAFE). 6/13 models active.

Key Facts

Ticker
PEBK
Price
$43.80
Quality Score
7.8/10
Value Trap Risk
18/100
Models Active
6/13
Last Updated
Strength: 6 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is Peoples Bancorp of North Carolina, Inc. (PEBK) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Peoples Bancorp of North Carolina, Inc. (PEBK) appears overvalued as of : the median of 6 independent fair value estimates is $35.84, 18.2% below the current price of $43.80. Estimates range from $13.14 to $52.34. PEBK scores 7.8/10 on fundamental quality and 18/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. PEBK’s -18.2% gap is narrower than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Peoples Bancorp of North Carolina, Inc. Stock in 2026? →

What Fair Value Does Each Model Give PEBK?

6 Intrinsic Value Models vs. Current Price ($43.80)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $35.74 -18.4%
Ensemble · Medium Conviction
 $35.18 -19.7%
Intrinsic · High Conviction
 $13.14 -70.0%
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What Is PEBK's Fair Value Range?

Spread across 6 independent models · $13.14 to $52.34

CirclFi's 6 active models place Peoples Bancorp of North Carolina, Inc. (PEBK) between $13.14 and $52.34 per share, a spread of 109% of the median. The median of that range — $35.84 — is the fair value CirclFi publishes for PEBK, against a current price of $43.80.

Low · Markov DDMHigh · ML-RIV
$13.14median $35.84$52.34
Where the range comes from
Most bearish modelMarkov DDM$13.14
Most bullish modelML Residual Income$52.34
Model agreement1 bullish · 5 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for PEBK. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on PEBK, not a CirclFi price target. How each model works →

What Is Peoples Bancorp of North Carolina, Inc. (PEBK) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Peoples Bancorp of North Carolina, Inc.'s intrinsic value is estimated at $35.84. Trading at its current price of $43.80, the valuation engine raises significant caution: 5 of 6 models flag downside risk, projecting a median implied return of -18.2%. Model dispersion is worth noting: ML-RIV targets $52.34 (+19.5%), versus Markov DDM at $13.14 (-70.0%). This +89.5% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About PEBK?

6 of 13 models are currently active for PEBK. Of these, 1 model suggests upside while 5 models suggest overvaluation. Taken together, their median fair value for PEBK is $35.84 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does PEBK Rank in Banks - Regional?

Among 352 Banks - Regional stocks, PEBK ranks #227 by Quality of Company score. CirclFi's QOC score of 7.8/10 evaluates 32 fundamental signals. A score of 7.8 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

The Banks - Regional sector introduces analytical considerations specific to lending environment businesses. For Peoples Bancorp of North Carolina, Inc., metrics like net interest margin (NIM) provide important context that general-purpose valuation models may underweight.

Is PEBK a Value Trap?

CirclFi's Value Trap algorithm assigns PEBK a score of 18/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Peoples Bancorp of North Carolina, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Peoples Bancorp of North Carolina, Inc. scores 7.8 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +89.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every PEBK valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across PEBK's 6 active models, average confidence is 41%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Peoples Bancorp of North Carolina, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

NKSHNational Bankshares, Inc.QOC 7.8FMBMF & M Bank Corp.QOC 7.8BANCBanc of California, Inc.QOC 7.8CBFVCB Financial Services, Inc.QOC 7.8ISTRInvestar Holding CorporationQOC 7.8USBU.S. BancorpQOC 7.8EGBNEagle Bancorp, Inc.QOC 6.8FCFFirst Commonwealth Financial CorporationQOC 8.5GBCIGlacier Bancorp, Inc.QOC 8.2STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: NKSH · FMBM · BANC · CBFV · ISTR · USB · EGBN · FCF · GBCI · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to PEBK?

5 companies across all industries closest to PEBK’s Quality of Company score of 7.8/10.

AFLAflac IncorporatedQOC 7.8NOGNorthern Oil and Gas, Inc.QOC 7.8TMOThermo Fisher Scientific Inc.QOC 7.8DUKDuke Energy CorporationQOC 7.8NVDANVIDIA CorporationQOC 10.0

Read investment analysis: AFL · NOG · TMO · DUK · NVDA

Where Does PEBK Sit in CirclFi's Banks - Regional Rankings?

PEBK is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Peoples Bancorp of North Carolina, Inc.’s Valuation?

What is Peoples Bancorp of North Carolina, Inc.'s intrinsic value in 2026?

CirclFi puts Peoples Bancorp of North Carolina, Inc. (PEBK)'s intrinsic value at $35.84 — the median of 6 independent model estimates as of 2026-08-28, ranging from $13.14 to $52.34. The Quality of Company score is 7.8/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is PEBK overvalued or undervalued right now?

At $43.80, 1 of 6 active models suggest PEBK may be undervalued, while 5 indicate potential overvaluation. The median of all 6 fair value estimates is $35.84, 18.2% below the current price of $43.80 — a consensus view that PEBK is overvalued. The assessment depends on which methodology best fits Peoples Bancorp of North Carolina, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 7.8 mean for PEBK?

Peoples Bancorp of North Carolina, Inc.'s QOC of 7.8/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on PEBK?

CirclFi analyzes PEBK with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on PEBK?

Of the 6 models currently active on PEBK, ML Residual Income is the most bullish at $52.34 per share, and Markov DDM is the most bearish at $13.14. CirclFi's published fair value for PEBK is the median of that range, $35.84, not either extreme. The gap between the two ends equals 109% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is PEBK a value trap in 2026?

Peoples Bancorp of North Carolina, Inc.'s Value Trap score is 18/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Peoples Bancorp of North Carolina, Inc. (PEBK) has a median fair value of $35.84 — 18.2% below the current price of $43.80 — as of 2026-08-28.” Source: circlfi.com/stock/PEBK/ · Methodology
Primary sources for this PEBK valuation

Market data for PEBK as of ; valuations recomputed .

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