Peoples Bancorp of North Carolina, Inc.
PEBKFinancial Services · Stock · quarterly payer
Forward Yield
1.97%
Annual Dividend
$0.84
Payout Ratio
22%
5-Yr Growth
5.1%
Ex-Date
Jun 3, 2026
Frequency
Quarterly
Summary
As of July 2026, Peoples Bancorp of North Carolina, Inc. (PEBK) yields 1.97% ($0.84 per share annually), with a blended fair-value estimate of $45.99 — +8% upside, so it screens as fairly valued. Dividend safety grade: A (91/100). 13 years of dividend growth.
Is PEBK a good dividend stock?
YesPeoples Bancorp of North Carolina, Inc. (PEBK) pays a quarterly dividend yielding 1.97% ($0.84/yr), with 13 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- 13 consecutive years of dividend growth
- Comfortable payout ratio (22%)
- Strong 5.1% 5-yr dividend growth
- 51% total price return over 5 years
- Top-tier dividend safety score
Risks
- Cut its dividend in 2009
Key Data
- Dividend Yield
- 1.97%
- Payout Ratio
- 22%
- Annual Dividend
- $0.84
- 5-Yr Avg Growth
- 5.1%
- Ex-Dividend Date
- Jun 3, 2026
- Years of Growth
- 13
- Frequency
- quarterly
- Beta
- 0.31
- Market Cap
- $226.9M
- P/E Ratio
- 11.8
- 5-Yr Total Return
- 51%
- 52-Week Range
- $26.81 – $45.78
- Dividend Safety
- A · 91/100
- Ever Cut?
- Yes (2009)
Frequently Asked Questions
PEBK Price — Last 12 Months
Daily close
Price Return
1 Year
+34%
3 Years
+102%
5 Years
+51%
52-Week Range
$26.81 – $45.78
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is PEBK worth?
Fairly valuedlow confidenceOur blended fair-value estimate for Peoples Bancorp of North Carolina, Inc. is $45.99 per share, versus a market price of $42.54. That implies the stock is roughly fairly priced.
Fair Value
$45.99
Current Price
$42.54
Gap
+8%
Margin of Safety
8%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model -2.8% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.0% discount rate (CAPM), -2.8% stage-1 growth, 2.5% terminal growth, $3.63 EPS, $0.84 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
PEBK Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Jun 3, 2026 | — | $0.2100 | regular |
| Mar 4, 2026 | — | $0.2100 | regular |
| Feb 4, 2026 | — | $0.1700 | regular |
| Dec 3, 2025 | — | $0.2000 | regular |
| Sep 3, 2025 | — | $0.2000 | regular |
| Jun 3, 2025 | — | $0.2000 | regular |
| Mar 3, 2025 | — | $0.2000 | regular |
| Feb 3, 2025 | — | $0.1600 | regular |
| Dec 3, 2024 | — | $0.1900 | regular |
| Sep 3, 2024 | — | $0.1900 | regular |
| Jun 3, 2024 | — | $0.1900 | regular |
| Mar 1, 2024 | — | $0.1900 | regular |
| Feb 2, 2024 | — | $0.1600 | regular |
| Dec 1, 2023 | — | $0.1900 | regular |
Income Calculator
At $0.84 / yr per share
