What Is Peoples Bancorp of North Caroli (PEBK) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Peoples Bancorp of North Caroli presents a highly debated valuation profile at its current price of $41.97. The composite intrinsic value is estimated at $69.03 (+64.5% average upside), masking a wide model spread between the 6 bullish models and 3 bearish models. Model dispersion is worth noting: ML-RIV targets $246.42 (+487.1%), versus EPV at $25.62 (-38.9%). This +526.1% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About PEBK?
12 of 13 models are currently active for PEBK. Of these, 9 models suggest upside while 3 models suggest overvaluation. The Bayesian DCF estimates PEBK's intrinsic value at $81.84, implying +95.0% upside from the current price. See which stocks rank higher →
How Does PEBK Rank in State Commercial Banks?
Among 172 State Commercial Banks stocks, PEBK ranks #138 by Quality of Company score. CirclFi's QOC score of 7.4/10 evaluates 32 fundamental signals. A score of 7.4 indicates above-average quality.
See all Most Undervalued State Commercial Banks Stocks →
The State Commercial Banks sector introduces analytical considerations specific to lending environment businesses. For Peoples Bancorp of North Caroli, 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 26/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Peoples Bancorp of North Caroli. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Deep Alpha Valuation Engine, Peoples Bancorp of North Caroli scores 7.4 out of 10 on our 32-signal quality assessment, a solid rating that maintains reasonable quality metrics with some areas for improvement. 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 +526.1% — 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 12 active models, average confidence is 39%. 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 →
Buy with Gumroad