Definitive Analysis
Definitive Analysis

Financial Statements

Fundamentals

Valuations

Miscellaneous

Analysis Mode

Full Access

See Pricing Start Trial

Peoples Bancorp of North Carolina, Inc. (PEBK)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$62.86 - $144.92$91.86
Multi-Stage$48.45 - $52.94$50.66
Blended Fair Value$71.26
Current Price$30.66
Upside132.42%
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 Rate9.10%9.10%9.10%
Growth Rate5.01%6.01%7.01%
Fair Value$62.86$91.86$144.92
Upside / Downside105.01%199.61%372.66%

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 Rate9.10%9.10%9.10%
Growth Rate5.01%6.01%7.01%
Year 1 PV (M)6.906.977.03
Year 2 PV (M)8.478.648.80
Year 3 PV (M)9.9210.2110.50
Year 4 PV (M)11.2511.6812.13
Year 5 PV (M)12.4613.0613.69
PV of Terminal Value (M)216.26226.76237.66
Equity Value (M)265.26277.31289.80
Shares Outstanding (M)5.475.475.47
Fair Value$48.45$50.66$52.94
Upside / Downside58.04%65.22%72.66%

High-Yield Dividend Screener

« Prev Page 8 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
035810.KQEASY HOLDINGS Co., Ltd.9.64%$435.2887.39%
0623.HKSinoMedia Holding Limited9.64%$0.1944.98%
ITSA3.SAItaúsa S.A.9.64%$1.1780.68%
MFG.AXMagellan Financial Group Limited9.64%$0.9634.94%
PMTA.BKPM Thoresen Asia Holdings Public Company Limited9.64%$0.9860.98%
2989.TTokaido REIT, Inc.9.63%$11,143.4889.54%
SBMO.ASSBM Offshore N.V.9.63%$2.3853.44%
0576.HKZhejiang Expressway Co., Ltd.9.62%$0.6974.90%
INVEST.HEInvestors House Oyj9.62%$0.3663.41%
MFEC.BKMFEC Public Company Limited9.62%$0.5094.79%
PIKK.MEPJSC PIK-specialized homebuilder9.61%$45.9431.14%
6868.HKTenfu (Cayman) Holdings Company Limited9.60%$0.2693.07%
601077.SSChongqing Rural Commercial Bank Co., Ltd.9.58%$0.6286.18%
SIQ.AXSmartgroup Corporation Ltd9.58%$0.8777.09%
5012.KLTa Ann Holdings Berhad9.57%$0.4093.61%
PAC.AXPacific Current Group Limited9.57%$0.9623.44%
MTO.AXMotorCycle Holdings Limited9.56%$0.3068.86%
HME.VHemisphere Energy Corporation9.55%$0.1957.92%
0382.HKEdvantage Group Holdings Limited9.54%$0.1412.43%
0OQQ.LInfotel S.A.9.54%$4.0386.81%
VIE.PAVeolia Environnement S.A.9.53%$2.8797.23%
0QJX.LEFG International AG9.52%$1.8196.44%
601998.SSChina CITIC Bank Corporation Limited9.51%$0.7368.88%
0752.HKPico Far East Holdings Limited9.50%$0.2545.55%
MRN.PAMersen S.A.9.50%$2.3045.40%
MTS.AXMetcash Limited9.50%$0.3164.02%
SYNE3.SASYN prop e tech S.A.9.50%$0.4659.20%
TEXF.BRTexaf S.A.9.50%$3.4063.35%
601997.SSBank of Guiyang Co.,Ltd.9.49%$0.5639.86%
WMA.AXWam Alternative Assets Limited9.49%$0.109.12%
0135.HKKunlun Energy Company Limited9.48%$0.7052.47%
SC-R.BKSC Asset Corporation Public Company Limited9.47%$0.1648.63%
0DLI.LAcomo N.V.9.45%$2.4067.74%
AFYAAfya Limited9.45%$1.4117.69%
BBRI.JKPT Bank Rakyat Indonesia (Persero) Tbk9.44%$343.6092.61%
TEKA.BKTeka Construction Public Company Limited9.44%$0.1696.55%
8964.TFrontier Real Estate Investment Corporation9.39%$8,736.6196.39%
ALLA.BKAlla Public Company Limited9.39%$0.1177.39%
4333.SRTaleem REIT Fund9.38%$0.9670.19%
SHL.AXSonic Healthcare Limited9.38%$2.1198.90%
TQM-R.BKTQM Alpha Public Company Limited9.37%$1.0882.74%
0882.HKTianjin Development Holdings Limited9.36%$0.2321.27%
0O84.LDNB Bank ASA9.36%$17.5255.97%
4339.SRDerayah Financial - Derayah Reit Fund9.36%$0.4982.63%
601390.SSChina Railway Group Limited9.35%$0.5150.32%
CPACopa Holdings, S.A.9.35%$11.3970.44%
BRSR3.SABanco do Estado do Rio Grande do Sul S.A.9.34%$1.5649.87%
RET.BRRetail Estates N.V.9.34%$5.9746.68%
0265.HKGangyu Smart Urban Services Holdings Limited9.33%$0.1868.15%
KGKC.MEPJSC Kurgan Generation Company9.33%$4.0370.77%