Peoples Bancorp of North Carolina, Inc. cash flow to debt ratio of 112.02% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Peoples Bancorp of North Carolina, Inc.'s free cash flow has decreased 0.06% from $19.97M last year to $19.96M, signaling decreasing performance

Peoples Bancorp of North Carolina, Inc.'s debt to equity ratio is 0.12, which means that the company's assets are healthy financed, signaling financial stability.

Peoples Bancorp of North Carolina, Inc.'s debt has decreased relative to shareholder equity from 0.15 last year to 0.12 today, signaling strengthened financials

Peoples Bancorp of North Carolina, Inc. has a net cash position, so leverage is healthy.

Peoples Bancorp of North Carolina, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Peoples Bancorp of North Carolina, Inc.'s profit margin has increased (8.37%) in the last year from 16.72% to 18.12%, signaling increasing performance

Peoples Bancorp of North Carolina, Inc.'s short-term liabilities of $1.51B exceed its short-term assets of $274.96M, signaling financial risk

Peoples Bancorp of North Carolina, Inc.'s return on assets of 1.13% is lower than the 5.00% threshold, indicating inefficient asset utilization

Peoples Bancorp of North Carolina, Inc.'s return on equity of 12.75%, is lower than 15.00%, indicating bad performance

Peoples Bancorp of North Carolina, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Peoples Bancorp of North Carolina, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Peoples Bancorp of North Carolina, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Peoples Bancorp of North Carolina, Inc. has a free cash flow yield of 8.52%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Peoples Bancorp of North Carolina, Inc.'s yearly earnings has increased 21.26% since last year from $16.35M to $19.83M, signaling increasing performance

Peoples Bancorp of North Carolina, Inc.'s yearly revenue has increased 17.18% since last year from $97.79M to $114.60M, signaling increasing performance

ROIC 1.13% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Peoples Bancorp of North Carolina, Inc.'s 3-year revenue CAGR of 17.46% is positive, indicating growing revenue over the past 3 years

Peoples Bancorp of North Carolina, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Peoples Bancorp of North Carolina, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Peoples Bancorp of North Carolina, Inc. is undervalued relative to its fair value price of 66.46 based on Discounted Cash Flow model

Peoples Bancorp of North Carolina, Inc. has an earnings yield of 8.78%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Peoples Bancorp of North Carolina, Inc. is overvalued relative to its fair value price of 34.72 based on EBITDA multiple model

Peoples Bancorp of North Carolina, Inc. has insufficient data to compute enterprise value.

Peoples Bancorp of North Carolina, Inc. is undervalued relative to its fair value price of 75.50 based on Earnings Fair Value model

Peoples Bancorp of North Carolina, Inc. has a PEG-ratio over 1 which is considered overvalued

Peoples Bancorp of North Carolina, Inc. has a price-to-book ratio of 1.41x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Peoples Bancorp of North Carolina, Inc. has a price-to-sales ratio of 2.06x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue