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Peoples Bancorp of North Carolina, Inc. (PEBK)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$119.25 - $605.92$245.57
Multi-Stage$72.77 - $79.64$76.14
Blended Fair Value$160.86
Current Price$30.66
Upside424.65%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS5.08%17.32%0.920.930.900.690.800.720.570.480.380.29
YoY Growth---1.19%3.51%30.11%-13.64%11.50%25.73%18.90%25.12%33.80%54.01%
Dividend Yield--3.38%3.34%2.84%2.41%3.39%3.53%2.16%1.57%1.42%1.64%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)16.76
(-) Cash Dividends Paid (M)5.19
(=) Cash Retained (M)11.56
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)3.352.091.26
Cash Retained (M)11.5611.5611.56
(-) Cash Required (M)-3.35-2.09-1.26
(=) Excess Retained (M)8.219.4710.31
(/) Shares Outstanding (M)5.475.475.47
(=) Excess Retained per Share1.501.731.88
LTM Dividend per Share0.950.950.95
(+) Excess Retained per Share1.501.731.88
(=) Adjusted Dividend2.452.682.83
WACC / Discount Rate7.16%7.16%7.16%
Growth Rate5.01%6.01%7.01%
Fair Value$119.25$245.57$605.92
Upside / Downside288.95%700.95%1,876.25%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)16.7617.7618.8319.9621.1622.4323.10
Payout Ratio30.99%42.79%54.60%66.40%78.20%90.00%92.50%
Projected Dividends (M)5.197.6010.2813.2516.5520.1921.37

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate7.16%7.16%7.16%
Growth Rate5.01%6.01%7.01%
Year 1 PV (M)7.037.097.16
Year 2 PV (M)8.788.959.12
Year 3 PV (M)10.4710.7711.08
Year 4 PV (M)12.0812.5513.03
Year 5 PV (M)13.6214.2814.97
PV of Terminal Value (M)346.38363.19380.65
Equity Value (M)398.36416.84436.00
Shares Outstanding (M)5.475.475.47
Fair Value$72.77$76.14$79.64
Upside / Downside137.34%148.34%159.76%

High-Yield Dividend Screener

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