Peoples Bancorp Of North Carolina Inc
PEBKFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:59 PM ET
Price
PEBK against its 20, 50 and 200-day averages5.8% under the 52-week high of 45.78 on 10 Jun 2026. 52-week low 29.18 on 18 Nov 2025. Last 15 sessions, 11.8% high to low
Volume 2.03× normal · the line is the 50-bar volume average
Profile
PEBKPeoples Bancorp of North Carolina, Inc. is a holding company, which engages in the business of owning the Bank, Peoples Bank and PEBK Capital Trust II. It operates through the following segments: Banking Operations, Community Bank Real Estate Solutions, LLC (CBRES), and Other. The Banking Operations segment focuses on the consolidated bank. The CBRES segment provides appraisal management services to community banks. The company was founded in 1999 and is headquartered in Newton, NC.
| Index | RUT |
|---|---|
| Employees | 268 |
| IPO | Oct 16, 1985 |
| Beta | 0.33 |
| ATR, 14d | 1.38 |
| Rel volume | 2.03 |
| Short float | 1.45% |
| Insider own | 13.32% |
| Inst own | 46.58% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 235.55M |
| Enterprise Value | - |
| Income | 21.99M |
| Sales | 113.19M |
| Book/sh | 28.87 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | 0.83 (1.92%) |
| Dividend Ex-Date | Sep 03, 2026 |
| Dividend Gr. 3/5Y | 3.57% 5.92% |
| Payout | 22.07% |
| Employees | 268 |
| IPO | Oct 16, 1985 |
Ratios
| P/E | 10.73 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 2.08 |
| P/B | 1.49 |
| P/C | - |
| P/FCF | 9.79 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.14 |
| Debt/Eq | 0.12 |
| LT Debt/Eq | 0.12 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 4.02 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | 8.37% 13.19% |
| Sales past 3/5Y | 11.18% 9.51% |
| EPS Y/Y TTM | 30.66% |
| Sales Y/Y TTM | 2.08% |
| EPS Q/Q | 55.10% |
| Sales Q/Q | 1.75% |
| Earnings | Oct 19 BMO |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 13.32% |
|---|---|
| Insider Trans | -3.75% |
| Inst Own | 46.58% |
| Inst Trans | 3.83% |
| ROA | 1.26% |
| ROE | 14.32% |
| ROIC | 12.49% |
| Gross Margin | - |
| Oper. Margin | 22.53% |
| Profit Margin | 19.43% |
| SMA20 | -1.11% |
| SMA50 | -1.38% |
| SMA200 | 3.39% |
| Trades | - |
Technical
| Shs Outstand | 5.46M |
|---|---|
| Shs Float | 4.73M |
| Short Float | 1.45% |
| Short Ratio | 1.84 |
| Short Interest | 0.07M |
| 52W High | 45.78 -5.79% |
| 52W Low | 29.18 47.83% |
| Volatility | 4.91% 3.06% |
| ATR (14) | 1.38 |
| RSI (14) | 47.57 |
| Beta | 0.33 |
| Rel Volume | 2.03 |
| Avg Volume | 37.25K |
| Volume | 75,547 |
Performance
| Perf Week | -3.10% |
|---|---|
| Perf Month | -3.34% |
| Perf Quarter | -3.21% |
| Perf Half Y | 8.10% |
| Perf YTD | 19.69% |
| Perf Year | 46.14% |
| Perf 3Y | 66.76% |
| Perf 5Y | 52.61% |
| Perf 10Y | 131.21% |
| Recom | - |
| Target Price | - |
| Prev Close | 42.69 |
| Price | 43.13 |
| Change % | 1.03% |
Analyst ratings
latest 3 of 3| Date | Action | Analyst | Rating change | Target | Implied |
|---|---|---|---|---|---|
| Jan 27, 2009 | Downgrade | BBB&T Capital Mkts | Buy → Hold | ||
| Jul 22, 2008 | Upgrade | BBB&T Capital Mkts | Hold → Buy | ||
| Jan 23, 2008 | Downgrade | BBB&T Capital Mkts | Buy → Hold |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| FCBM | First Carolina Financial Services Inc | 418.20M |
| HTB | HomeTrust Bancshares Inc | 748.43M |
| FCCO | First Community Corp | 307.19M |
| SFST | Southern First Bancshares Inc | 579.23M |
| BRBS | Blue Ridge Bankshares Inc (VA) | 362.32M |
| CFFI | C & F Financial Corp | 345.29M |
| NKSH | National Bankshares Inc | 252.34M |
| FBNC | First Bancorp | 2.69B |
| BOTJ | Bank of the James Financial Group Inc | 115.36M |
| FXNC | First National Corp (Strasburg, VA) | 274.43M |
Insider trading
latest 14 of 58| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| HOWARD DOUGLAS S | Director | Oct 28 '26 | Buy | 43.76 | 500 | 21,878 | 24,227 | Oct 30 03:30 PM |
| ABERNETHY JAMES S | Director | Oct 28 '26 | Sale | 43.79 | 1,000 | 43,790 | 64,626 | Oct 29 03:17 PM |
| ABERNETHY JAMES S | Director | Oct 29 '26 | Sale | 43.93 | 600 | 26,358 | 34,300 | Oct 29 03:17 PM |
| ABERNETHY JAMES S | Director | Oct 29 '26 | Proposed Sale | 43.26 | 600 | 25,958 | Oct 29 11:51 AM | |
| ABERNETHY JAMES S | Director | Oct 28 '26 | Proposed Sale | 43.13 | 1,000 | 43,131 | Oct 28 12:42 PM | |
| PRICE BILLY L JR DR | Director | Oct 21 '26 | Buy | 42.28 | 200 | 8,457 | 15,444 | Oct 26 04:48 PM |
| ABERNETHY ROBERT C | Director | Sep 02 '26 | Sale | 43.61 | 7,000 | 305,270 | 101,116 | Sep 02 04:46 PM |
| ABERNETHY ROBERT C | Officer | Sep 02 '26 | Proposed Sale | 43.30 | 7,000 | 303,084 | Sep 02 04:33 PM | |
| ABERNETHY JAMES S | Director | Sep 02 '26 | Sale | 43.50 | 500 | 21,750 | 34,900 | Sep 02 01:40 PM |
| ABERNETHY JAMES S | Director | Sep 02 '26 | Proposed Sale | 42.86 | 500 | 21,428 | Sep 02 12:41 PM | |
| Abernethy Robert C. JR | Director | Sep 01 '26 | Sale | 43.13 | 1,200 | 51,756 | 57,566 | Sep 01 05:46 PM |
| Abernethy Robert C. JR | Director | Sep 01 '26 | Proposed Sale | 42.81 | 1,200 | 51,376 | Sep 01 03:06 PM | |
| PRICE BILLY L JR DR | Director | Aug 27 '26 | Buy | 43.00 | 400 | 17,198 | 15,244 | Aug 28 02:59 PM |
| ABERNETHY JAMES S | Director | Aug 27 '26 | Sale | 43.11 | 1,000 | 43,110 | 65,626 | Aug 28 02:56 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| AVUV | Avantis U.S. Small Cap Value ETF | AUM: 32.39B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.10B |
| DFAT | U.S. Targeted Value Portfolio-ETF Class Shares | AUM: 14.47B |
| BSVO | EA Bridgeway Omni Small-Cap Value ETF | AUM: 2.44B |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | AUM: 15.51B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
| DFSV | US Small Cap Value Portfolio ETF Class Shares | AUM: 8.52B |
News
latest 14 of 200- Top Stock Reports for SAP, Accenture & Moody's (Zacks)
- Peoples Bancorp Announces Third Quarter 2026 Results (ACCESSWIRE)
- Top Stock Reports for AMD, Costco & AstraZeneca (Zacks)
- Peoples Bancorp Announces Cash Dividend (ACCESSWIRE)
- Peoples Bancorp Announces Second Quarter 2026 Results (ACCESSWIRE)
- Peoples Bancorp Announces Cash Dividend (ACCESSWIRE)
- Peoples Bancorp Announces First Quarter 2026 Results (ACCESSWIRE)
- Peoples Bancorp Announces Cash Dividend (ACCESSWIRE)
- ServisFirst Bancshares Stock Scores RS Rating Upgrade (Investor's Business Daily)
- Peoples Bancorp Stock Slips Post Q4 Earnings Despite Profit Growth (Zacks)
- Peoples Bancorp Announces Fourth Quarter and Full Year 2025 Results (ACCESSWIRE)
- Peoples Bancorp Announces Special Cash Dividend (ACCESSWIRE)
- Peoples Bancorp Gains 25.6% in Six Months: How to Play the Stock? (Zacks)
- PEBK vs. BOTJ: Which Bank Stock Deserves a Spot in Your Portfolio? (Zacks)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q1 | 2026-04-20 | - | - | 0.804 | 21.57 | - | - |
| 2025Q4 | 2026-01-26 | - | - | 1.215 | 24.99 | - | - |
| 2025Q3 | 2025-10-20 | - | - | 0.675 | - | - | - |
| 2025Q2 | 2025-07-21 | - | - | 0.943 | 22.29 | - | - |
| 2025Q1 | 2025-04-21 | - | - | 0.794 | 20.47 | - | - |
| 2024Q4 | 2025-02-12 | - | - | 0.652 | 20.87 | - | - |
| 2024Q3 | 2024-10-21 | - | - | 0.722 | - | - | - |
| 2024Q2 | 2024-07-22 | - | - | 0.893 | - | - | - |
| 2024Q1 | 2024-04-22 | - | - | 0.718 | 19.34 | - | - |
| 2023Q4 | 2024-01-22 | - | - | 0.622 | 19.40 | - | - |
| 2023Q3 | 2023-10-23 | - | - | 0.739 | - | - | - |
| 2023Q2 | 2023-07-24 | - | - | 0.853 | 20.17 | - | - |
| 2023Q1 | 2023-04-24 | - | - | 0.561 | 17.95 | - | - |
| 2022Q4 | 2023-01-23 | - | - | 0.736 | 20.82 | - | - |
| 2022Q3 | 2022-10-24 | - | - | 0.938 | - | - | - |
| 2022Q2 | 2022-07-25 | - | - | 0.568 | 18.68 | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| No annual earnings. | |||||
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 1.694 | 2.225 | 2.357 | 1.951 | 2.632 | 2.848 | 2.771 | 2.983 | 3.624 | 4.0214 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.722 | 0.652 | 0.794 | 0.943 | 0.675 | 1.215 | 0.804 | 0.956 | 1.047 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 57.313 | 60.972 | 67.579 | 70.852 | 71.988 | 81.198 | 94.591 | 108.448 | 111.589 | 113.19 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 27.562 | 27.447 | 26.499 | 28.413 | 28.532 | 28.145 | 27.346 | 28.669 | 29.032 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 5.995 | 5.995 | 5.912 | 5.788 | 5.912 | 5.637 | 5.534 | 5.458 | 5.459 | 5.461 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 5.458 | 5.458 | 5.459 | 5.459 | 5.459 | 5.459 | 5.461 | 5.461 | 5.461 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 86.27 | 83.62 | 80.73 | 71.86 | 54.43 | 47.18 | 47.96 | 49.60 | 45.35 |
| Total Interest Expense | 23.15 | 24.60 | 26.65 | 17.14 | 3.32 | 3.21 | 3.84 | 3.76 | 2.15 |
| Net Interest Income | 63.12 | 59.02 | 54.08 | 54.72 | 51.11 | 43.97 | 44.12 | 45.84 | 43.20 |
| Loan Loss Provision | 1.46 | 0.94 | -0.28 | 1.57 | 1.47 | -1.16 | 4.26 | 0.86 | 0.79 |
| Net Interest Income After Loan Loss Provision | 61.66 | 58.08 | 54.36 | 53.15 | 49.64 | 45.14 | 39.86 | 44.98 | 42.41 |
| Non-Interest Income | 26.92 | 27.97 | 27.71 | 22.73 | 26.77 | 24.81 | 22.89 | 17.98 | 15.62 |
| Non-Interest Expense | 63.09 | 63.21 | 61.15 | 56.14 | 56.02 | 51.12 | 50.11 | 45.52 | 42.57 |
| Operating Income | 25.50 | 22.84 | 20.93 | 19.74 | 20.38 | 18.82 | 12.64 | 17.44 | 15.46 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 28.51 | 25.85 | 20.93 | 19.92 | 20.30 | 18.93 | 13.85 | 17.20 | 16.01 |
| Income Taxes | 6.51 | 6.02 | 4.58 | 4.38 | 4.17 | 3.80 | 2.49 | 3.14 | 2.62 |
| Consolidated Net Income | 21.99 | 19.83 | 16.35 | 15.55 | 16.12 | 15.13 | 11.36 | 14.07 | 13.38 |
| Net Income From Continuing Operations | 21.99 | 19.83 | 16.35 | 15.55 | 16.12 | 15.13 | 11.36 | 14.07 | 13.38 |
| Net Income | 21.99 | 19.83 | 16.35 | 15.55 | 16.12 | 15.13 | 11.36 | 14.07 | 13.38 |
| EPS (Recurring) | 4.02 | 3.62 | 2.98 | 2.77 | 2.85 | 2.63 | 1.95 | 2.36 | 2.22 |
| EPS (Basic, Before Extraordinaries) | 4.10 | 3.74 | 3.08 | 2.87 | 2.94 | 2.71 | 2.01 | 2.37 | 2.23 |
| EPS (Diluted) | 4.02 | 3.62 | 2.98 | 2.77 | 2.85 | 2.63 | 1.95 | 2.36 | 2.22 |
| Non-Operating Income (Expense) | 3.01 | 3.01 | 0.36 | 0.18 | -0.09 | 0.10 | 0.00 | -0.24 | 0.54 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.23 | 0.15 | 0.17 | 0.15 | 0.03 | 0.13 | 0.04 | 0.20 | 0.07 |
| Price To Earnings Ratio | 10.62 | 10.62 | 13.94 | 14.03 | 16.18 | 13.73 | 15.31 | 17.98 | 14.17 |
| Price To Sales Ratio | 2.07 | 1.77 | 1.58 | 1.84 | 2.27 | 2.20 | 1.89 | 2.90 | 2.41 |
| Operating Margin | 22.53 | 20.47 | 19.30 | 20.87 | 25.10 | 26.15 | 17.85 | 25.81 | 25.36 |
| Net Margin | 19.43 | 17.77 | 15.08 | 16.43 | 19.86 | 21.02 | 16.03 | 20.82 | 21.95 |
| Shares Outstanding | 5.46 | 5.46 | 5.46 | 5.53 | 5.64 | 5.91 | 5.79 | 5.91 | 6.00 |
| Market Capitalization | 233.15 | 233.15 | 224.69 | 224.62 | 239.37 | 202.61 | 172.81 | 250.57 | 189.19 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 22.34 | 21.53 | 20.88 | 21.52 | 21.41 | 20.72 | 19.97 | 20.39 |
| Total Interest Expense | 5.65 | 5.56 | 5.77 | 6.17 | 6.29 | 6.12 | 6.03 | 6.58 |
| Net Interest Income | 16.69 | 15.97 | 15.10 | 15.36 | 15.12 | 14.60 | 13.94 | 13.81 |
| Loan Loss Provision | 0.25 | 0.29 | 0.56 | 0.35 | 0.53 | -0.21 | 0.27 | -0.20 |
| Net Interest Income After Loan Loss Provision | 16.44 | 15.68 | 14.54 | 15.00 | 14.59 | 14.81 | 13.68 | 14.02 |
| Non-Interest Income | 6.69 | 7.14 | 6.47 | 6.62 | 7.13 | 7.69 | 6.53 | 7.06 |
| Non-Interest Expense | 15.76 | 16.09 | 15.37 | 15.87 | 16.92 | 15.84 | 14.57 | 16.49 |
| Operating Income | 7.37 | 6.73 | 5.65 | 5.75 | 4.79 | 6.66 | 5.63 | 4.59 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 7.37 | 6.73 | 5.65 | 8.76 | 4.79 | 6.66 | 5.63 | 4.59 |
| Income Taxes | 1.64 | 1.50 | 1.25 | 2.13 | 1.10 | 1.50 | 1.29 | 1.03 |
| Consolidated Net Income | 5.73 | 5.23 | 4.40 | 6.63 | 3.69 | 5.16 | 4.34 | 3.56 |
| Net Income From Continuing Operations | 5.73 | 5.23 | 4.40 | 6.63 | 3.69 | 5.16 | 4.34 | 3.56 |
| Net Income | 5.73 | 5.23 | 4.40 | 6.63 | 3.69 | 5.16 | 4.34 | 3.56 |
| EPS (Recurring) | 1.05 | 0.96 | 0.80 | 1.21 | 0.67 | 0.94 | 0.79 | 0.65 |
| EPS (Basic, Before Extraordinaries) | 1.08 | 0.98 | 0.83 | 1.22 | 0.70 | 0.97 | 0.82 | 0.65 |
| EPS (Diluted) | 1.05 | 0.96 | 0.80 | 1.22 | 0.67 | 0.94 | 0.79 | 0.65 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 3.01 | 0.00 | 0.00 | 0.00 | 0.36 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.04 | 0.06 | 0.05 | 0.09 | 0.04 | 0.00 | 0.02 | 0.12 |
| Price To Earnings Ratio | 10.62 | 11.85 | 10.80 | 11.76 | 9.81 | 9.38 | 9.09 | 13.94 |
| Price To Sales Ratio | 2.07 | 2.09 | 1.91 | 1.77 | 1.51 | 1.44 | 1.37 | 1.57 |
| Operating Margin | 25.37 | 23.47 | 20.65 | 20.44 | 16.80 | 23.45 | 21.25 | 16.72 |
| Net Margin | 19.73 | 18.26 | 16.08 | 23.57 | 12.94 | 18.16 | 16.40 | 12.97 |
| Shares Outstanding | 5.46 | 5.46 | 5.46 | 5.46 | 5.46 | 5.46 | 5.46 | 5.46 |
| Market Capitalization | 233.15 | 235.34 | 213.87 | 196.72 | 166.62 | 156.78 | 148.03 | 224.69 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 27.72 | 30.92 | 32.82 | 50.06 | 44.71 | 42.74 | 48.34 | 40.55 | 53.19 |
| Investments | 411.48 | 420.44 | 447.21 | 471.12 | 646.64 | 377.39 | 208.44 | 202.44 | 236.13 |
| Net Loans | 1,194.26 | 1,128.41 | 1,082.03 | 1,022.11 | 875.51 | 938.73 | 843.19 | 797.58 | 753.40 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 0.00 | 0.37 | - | - | 0.00 | 0.13 | 0.00 | 0.03 | 0.12 |
| Net Property, Plant & Equipment | 17.64 | 18.86 | 21.43 | 23.32 | 20.72 | 22.02 | 22.23 | 18.45 | 19.91 |
| Interest Receivables | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 12.80 |
| Deferred Tax Assets | 12.57 | 16.28 | 17.26 | 19.22 | 4.58 | 4.46 | 3.17 | 3.07 | 3.05 |
| Other Intangible Assets | 40.80 | 38.67 | 36.94 | 36.82 | 33.89 | 34.32 | 31.87 | 32.43 | 15.55 |
| Total Assets | 1,704.47 | 1,653.95 | 1,637.68 | 1,622.66 | 1,626.06 | 1,419.78 | 1,157.24 | 1,094.55 | 1,094.14 |
| Total Deposits | 1,509.22 | 1,484.73 | 1,392.05 | 1,435.21 | 1,412.75 | 1,221.09 | 966.52 | 877.21 | 906.95 |
| Total Debt | 19.08 | 19.60 | 107.01 | 68.34 | 57.23 | 45.14 | 43.49 | 78.71 | 58.38 |
| Long Term Debt | 18.33 | 18.83 | 19.48 | 19.84 | 19.40 | 18.93 | 18.44 | 20.62 | 20.62 |
| Provision for Risks Charges | 1.40 | 1.10 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 2.32 | 1.99 | 1.77 | 1.73 | 1.86 | 3.60 | 2.36 | 1.30 | 1.98 |
| Other Liabilities | 15.33 | 15.97 | 15.84 | 12.18 | 11.84 | 10.05 | 10.76 | 13.71 | 10.86 |
| Total Liabilities | 1,547.35 | 1,523.39 | 1,516.67 | 1,517.46 | 1,483.69 | 1,279.88 | 1,023.12 | 970.93 | 978.17 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 157.12 | 130.56 | 160.38 | 152.79 | 142.27 | 134.50 | 134.12 | 123.62 | 115.97 |
| Total Shareholders Equity | 157.12 | 130.56 | 160.38 | 152.79 | 142.27 | 134.50 | 134.12 | 123.62 | 115.97 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 157.12 | 130.56 | 160.38 | 152.79 | 142.27 | 134.50 | 134.12 | 123.62 | 115.97 |
| Total Liabilities & Stockholders Equity | 1,704.47 | 1,653.95 | 1,637.68 | 1,622.66 | 1,626.06 | 1,419.78 | 1,157.24 | 1,094.55 | 1,094.14 |
| Book Value Per Share | 28.78 | 23.92 | 28.98 | 27.11 | 24.06 | 23.24 | 22.68 | 20.62 | 19.34 |
| Tangible Book Value Per Share | 28.78 | 23.92 | 28.98 | 27.11 | 24.06 | 23.24 | 22.68 | 20.62 | 19.34 |
| Tier 1 Capital | 199.35 | 184.72 | 175.38 | 167.79 | 157.27 | 149.50 | 145.48 | 142.63 | 132.13 |
| Tier 2 Capital | 11.53 | 11.10 | 12.81 | 10.49 | 9.36 | 9.91 | 6.68 | 6.45 | 6.37 |
| Full-Time Employees | 268 | 281 | 277 | 279 | 311 | 317 | 337 | 345 | 335 |
| Price to Book Ratio | 1.48 | 1.65 | 1.42 | 1.55 | 1.49 | 1.24 | 1.87 | 1.53 | 2.04 |
| Return on Assets | 1.18 | 0.99 | 0.95 | 0.99 | 0.99 | 0.88 | 1.25 | 1.22 | 0.94 |
| Return on Equity | 13.79 | 11.24 | 9.93 | 10.93 | 10.73 | 8.46 | 10.92 | 11.17 | 8.85 |
| Return on Invested Capital | 11.30 | 10.95 | 8.64 | 9.34 | 9.36 | 7.40 | 9.22 | 9.28 | 7.52 |
| Current Ratio | 0.08 | 0.08 | 0.16 | 0.11 | 0.46 | 0.33 | 0.14 | 0.12 | 0.09 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 23.57 | 20.89 | 19.83 | 21.84 | 23.02 | 18.91 | 16.29 | 18.98 | 17.95 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 1.98 | 0.49 | 1.12 | 1.41 | -3.79 | 2.48 | -2.41 | -2.05 | -0.94 |
| Cash from Operating Activities | 25.54 | 21.37 | 20.95 | 23.25 | 19.23 | 21.40 | 13.88 | 16.93 | 17.01 |
| Capital Expenditures | -1.48 | -1.41 | -0.59 | -1.95 | -4.56 | -0.48 | -2.76 | -2.83 | -1.74 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 1.46 | 0.00 | 0.52 | 0.00 | 0.15 | 1.41 |
| Purchase or Sale of Investments | 23.91 | 25.94 | 3.54 | 60.82 | -103.30 | -170.88 | -46.19 | 1.01 | 26.84 |
| Purchase of Investments | -18.58 | -18.20 | -29.05 | -9.62 | -149.74 | -209.31 | -127.94 | -54.26 | -37.30 |
| Sale Or Maturity of Investments | 42.48 | 44.14 | 32.59 | 70.44 | 46.44 | 38.43 | 81.75 | 55.27 | 64.15 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 3.12 | 0.44 | 0.93 | 0.00 | 0.07 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -94.95 | -41.83 | -43.02 | -1.23 | -252.55 | -100.64 | -153.69 | -51.92 | -18.41 |
| Cash Dividends Paid | -5.46 | -5.25 | -5.05 | -5.11 | -4.93 | -3.79 | -4.39 | -3.94 | -3.13 |
| Change in Capital Stock | 0.07 | 0.05 | -1.97 | -2.00 | -0.71 | -3.60 | -3.00 | -2.49 | 0.00 |
| Repurchase of Common Pref Stock | 0.00 | 0.00 | -2.02 | -2.00 | -0.71 | -3.60 | -3.00 | -2.49 | 0.00 |
| Sale of Common Pref Stock | 0.07 | 0.05 | 0.05 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 0.00 | 0.00 | -86.72 | 39.03 | 10.59 | 10.89 | 1.82 | -38.87 | 20.34 |
| Change in Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.16 | -5.00 | 0.00 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 70.00 | 184.50 | 0.00 |
| Reduction of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | -0.00 | -0.00 | -70.16 | -189.50 | -0.00 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | 0.00 | 0.00 | 0.00 | 0.00 | - | - | - | - | - |
| Cash from Financing Activities | 9.54 | 19.30 | -1.04 | -11.25 | 27.42 | 195.16 | 249.00 | 44.00 | -12.53 |
| Net Change in Cash | -59.87 | -1.16 | -23.11 | 10.78 | -205.90 | 115.92 | 109.19 | 9.02 | -13.93 |
| Free Cash Flow | 24.07 | 19.96 | 20.36 | 21.31 | 14.67 | 20.91 | 11.39 | 14.10 | 15.27 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | 12.61 | 13.46 | 11.19 | 10.72 | 18.94 | 9.26 | 19.14 | 19.29 | 12.13 |
| Federal Home Loan Advances Increase (Decrease) | - | -0.01 | -0.01 | -0.32 | -0.10 | 0.33 | -0.06 | -0.00 | -0.00 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 26.19 | 33.44 | 31.87 | 27.72 | 28.71 | 33.02 |
| Investments | 375.80 | 396.24 | 403.79 | 411.48 | 469.18 | 444.79 |
| Net Loans | 1,292.24 | 1,268.91 | 1,232.79 | 1,194.26 | 1,173.24 | 1,148.18 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 16.93 | 17.19 | 17.43 | 17.64 | 18.08 | 18.36 |
| Interest Receivables | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Assets | - | - | - | 12.57 | - | - |
| Other Intangible Assets | 51.03 | 49.22 | 48.59 | 40.80 | 49.12 | 49.50 |
| Total Assets | 1,762.19 | 1,765.00 | 1,734.48 | 1,704.47 | 1,738.34 | 1,693.85 |
| Total Deposits | 1,567.82 | 1,567.29 | 1,540.56 | 1,509.22 | 1,552.89 | 1,513.82 |
| Total Debt | 18.59 | 18.75 | 18.91 | 19.08 | 19.26 | 19.31 |
| Long Term Debt | 18.40 | 18.38 | 18.36 | 18.33 | 19.05 | 18.93 |
| Provision for Risks Charges | 1.67 | 1.58 | 1.56 | 1.40 | 1.20 | 1.30 |
| Deferred Tax Liabilities | - | - | - | 2.32 | - | - |
| Other Liabilities | 16.46 | 16.04 | 15.34 | 15.33 | 15.52 | 15.41 |
| Total Liabilities | 1,604.53 | 1,603.66 | 1,576.36 | 1,547.35 | 1,588.87 | 1,549.84 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 157.66 | 161.34 | 158.12 | 157.12 | 149.47 | 144.00 |
| Total Shareholders Equity | 157.66 | 161.34 | 158.12 | 157.12 | 149.47 | 144.00 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 157.66 | 161.34 | 158.12 | 157.12 | 149.47 | 144.00 |
| Total Liabilities & Stockholders Equity | 1,762.19 | 1,765.00 | 1,734.48 | 1,704.47 | 1,738.34 | 1,693.85 |
| Book Value Per Share | 28.87 | 29.54 | 28.95 | 28.78 | 27.38 | 26.38 |
| Tangible Book Value Per Share | 28.87 | 29.54 | 28.95 | 28.78 | 27.38 | 26.38 |
| Full-Time Employees | - | - | - | 268 | - | - |
| Price to Book Ratio | 1.48 | 1.49 | 1.36 | 1.32 | 1.16 | 1.13 |
| Return on Assets | 1.26 | 1.15 | 1.16 | 1.18 | 0.99 | 1.02 |
| Return on Equity | 14.32 | 13.07 | 13.41 | 13.79 | 11.73 | 12.69 |
| Return on Invested Capital | 3.25 | 2.91 | 2.49 | 3.78 | 2.19 | 3.17 |
| Current Ratio | 0.14 | 0.15 | 0.15 | 0.08 | 0.28 | 0.25 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | 7.60 | 6.16 | 4.97 | 4.84 | 4.65 | 4.63 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 1.19 | 0.27 | 0.06 | 0.45 | 0.04 | 0.84 |
| Cash from Operating Activities | 8.79 | 6.44 | 5.03 | 5.29 | 4.69 | 5.47 |
| Capital Expenditures | -0.40 | -0.40 | -0.45 | -0.23 | -0.31 | -0.10 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.26 |
| Purchase or Sale of Investments | 12.09 | 4.40 | 5.36 | 2.06 | -1.75 | 4.82 |
| Purchase of Investments | 0.00 | -6.59 | 0.00 | -11.99 | -6.21 | 0.00 |
| Sale Or Maturity of Investments | 12.09 | 10.99 | 5.36 | 14.05 | 4.46 | 4.82 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 3.01 | 0.11 | 0.00 | 0.33 |
| Cash from Investing Activities | -11.89 | -32.40 | -31.21 | -19.44 | -27.65 | -1.15 |
| Cash Dividends Paid | -1.15 | -1.15 | -2.08 | -1.09 | -1.09 | -1.09 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | 0.00 | 0.00 | 0.07 | 0.00 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 0.00 | 0.00 | 0.07 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | -0.62 | 25.59 | 29.33 | -44.76 | 37.98 | -4.84 |
| Net Change in Cash | -3.73 | -0.38 | 3.15 | -58.91 | 15.02 | -0.52 |
| Free Cash Flow | 8.39 | 6.04 | 4.58 | 5.06 | 4.37 | 5.37 |
| Price to Free Cash Flow | 12.61 | 16.11 | 15.27 | 13.43 | 11.26 | 10.49 |
Revenue breakdown
| Revenue split | - |
|---|
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 1.45% | 0.1M | 4.7M | 31.02K |
| 2026-10-15 | 1.53% | 0.1M | 4.7M | 32.80K |
| 2026-09-30 | 1.64% | 0.1M | 4.7M | 32.65K |
| 2026-09-15 | 1.98% | 0.1M | 4.7M | 36.24K |
| 2026-08-31 | 2.11% | 0.1M | 4.5M | 38.72K |
| 2026-08-14 | 1.94% | 0.1M | 4.5M | 38.76K |
| 2026-07-31 | 1.77% | 0.1M | 4.5M | 35.15K |
| 2026-07-15 | 1.60% | 0.1M | 4.5M | 33.34K |
| 2026-06-30 | 1.55% | 0.1M | 4.5M | 36.58K |
| 2026-06-15 | 1.62% | 0.1M | 4.5M | 33.90K |
| 2026-05-29 | 1.81% | 0.1M | 4.5M | 31.64K |
| 2026-05-15 | 1.43% | 0.1M | 4.5M | 28.98K |
| 2026-04-30 | 1.15% | 0.1M | 4.5M | 30.55K |
| 2026-04-15 | 1.11% | 0.0M | 4.5M | 26.69K |
| 2026-03-31 | 1.32% | 0.1M | 4.5M | 21.54K |
| 2026-03-13 | 1.24% | 0.1M | 4.5M | 18.39K |
| 2026-02-27 | 0.85% | 0.0M | 4.5M | 16.38K |
| 2026-02-13 | 0.94% | 0.0M | 4.5M | 14.68K |
| 2026-01-30 | 0.90% | 0.0M | 4.5M | 11.01K |
| 2026-01-15 | 0.90% | 0.0M | 4.5M | 9.94K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-03 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-10-30 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-28 | SEC |
| 2026-10-29 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-10-29 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-28 | SEC |
| 2026-10-28 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-10-26 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-21 | SEC |
| 2026-10-19 | 8-K | Current report | 2026-10-19 | SEC |
| 2026-09-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-02 | SEC |
| 2026-09-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-02 | SEC |
| 2026-09-02 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-09-02 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-09-01 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-09-01 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-01 | SEC |
| 2026-08-28 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-27 | SEC |
| 2026-08-28 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-27 | SEC |
| 2026-08-27 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-08-24 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-20 | SEC |
| 2026-08-24 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-20 | SEC |
| 2026-08-24 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-20 | SEC |
| 2026-08-07 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-08-07 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-07 | SEC |
| 2026-08-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-05 | SEC |
| 2026-08-06 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-08-05 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-08-04 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-07-31 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-30 | SEC |
| 2026-07-30 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-28 | SEC |
| 2026-07-30 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-07-29 | SCHEDULE 13G | SEC | ||
| 2026-07-29 | 144 | Filing for proposed sale of securities under Rule 144. | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 30.33K | 2 | 70.15K | 2 |
| 2026-09 | 0 | 0 | 378.78K | 3 |
| 2026-08 | 17.20K | 1 | 310.73K | 3 |
| 2026-07 | 0 | 0 | 368.19K | 5 |
| 2026-06 | 0 | 0 | 70.98K | 2 |
| 2026-05 | 0 | 0 | 64.27K | 2 |
| 2026-04 | 0 | 0 | 71.35K | 3 |
| 2026-03 | 0 | 0 | 17.94K | 1 |
| 2026-02 | 0 | 0 | 103.95K | 4 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 9.71K | 1 |
| 2025-11 | 0 | 0 | 42.46K | 3 |
Institutional holders
| Manager | % owned |
|---|---|
| WELLINGTON MANAGEMENT GROUP LLP | 7.63% |
| BlackRock, Inc. | 5.70% |
| GENDELL JEFFREY L | 3.99% |
| VANGUARD CAPITAL MANAGEMENT LLC | 3.65% |
| DIMENSIONAL FUND ADVISORS LP | 3.62% |
| GEODE CAPITAL MANAGEMENT, LLC | 2.10% |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | 1.54% |
| AMERICAN CENTURY COMPANIES INC | 1.42% |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | 1.41% |
| STATE STREET CORP | 1.18% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.54% |
| iShares Russell 2000 ETF | 2.39% |
| Avantis U.S. Small Cap Value ETF | 1.62% |
| VANGUARD EXTENDED MARKET INDEX FUND | 1.03% |
| Fidelity Small Cap Index Fund | 0.90% |
| iShares Russell 2000 Value ETF | 0.84% |
| EA Bridgeway Omni Small-Cap Value ETF | 0.70% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.47% |
| Omni Small-Cap Value Fund | 0.47% |
| U.S. Targeted Value Portfolio | 0.42% |
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