Peoples Bancorp of North Carolina (PEBK): Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization

Peoples Bancorp of North Carolina Inc. - graphic logo of issuer PEBK

Peoples Bank (PEBK) is integrating environmental standards into its operations by digitizing workflows and supporting regional "green" initiatives. The price action based on the EV/EBITDA multiple, which currently stands at 0.00, reflects a transition toward margin stabilization while maintaining strict risk control. The organization's financial model relies on serving North Carolina residents, generating revenue through mortgage lending and deposit attraction.

PEBK Peoples Bancorp of North Carolina, Inc.: EV/EBITDA Multiple in the range 11/23/2025 - 11/12/2026

Financial and market metric breakdowns for peoplesbanknc.com (PEBK)

Original product of peoplesbanknc.com

The EV/EBITDA trend for Peoples Bank (PEBK) reflects the resilience of this North Carolina-based conservative lender to market volatility. This multiple compares the total enterprise value, including debt, against its operating profit before interest, taxes, depreciation, and amortization. The calculation determines the payback period for assets inclusive of liabilities, highlighting potential capital overvaluation risks. Stable margins in the suburban mortgage sector help the bank maintain a balance between enterprise value and operating income.

Competitor analysis

EV/EBITDA Multiple BANF (BancFirst Oklahoma)|EV/EBITDA Multiple Third Federal Savings and Loan TFSL|CBU - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|TOWN (townebank.com) - Enterprise Value to Operating Income Before Depreciation|NBT Bank (NBTB) - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|First Bancorp Inc. (FBNC) - EV/EBITDA Multiple|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Stock Yards Bancorp Inc|Dime Corp (DCOM) - Total Company Value to Operating Income Before Depreciation Ratio|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Bank First Corporation (BFC)|CTBI: Company Value to Operating Income Before Depreciation Ratio|EV/EBITDA Multiple BHRB (Burke & Herbert Bank & Trust)|Southside Bancshares, Inc. (SBSI) - Company Value to EBITDA|EQBK - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|Company Value to EBITDA CNB Financial Inc.|Capital City Bank (CCBG) - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|Company Value to Operating Income Before Depreciation Ratio TRST (trustcobank.com)|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization HomeTrust Bank|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization MPB|EV/EBITDA Multiple FSBC|ORRF - Company Value to EBITDA|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization NB Bancorp, Inc. NBBK|Total Company Value to Operating Income Before Depreciation Ratio firstcommunitybank.com (FCBC)|IBCP: Enterprise Value to EBITDA Ratio|Business Value to Operating Income Before Depreciation SPFI (City Bank)|NPB: EV/EBITDA Multiple|SMBC (Southern Missouri Corp) - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|HTBK (Heritage Commerce) - EV/EBITDA Multiple|EV/EBITDA Multiple Hingham Institution for Saving|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization HarborOne Bank (HONE)|Shore United Bank - Enterprise Value to Operating Income Before Depreciation|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Third Coast Bancshares Inc TCBX|EV/EBITDA Multiple Farmers Corp FMNB|BHB - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|Company Value to Operating Income Before Depreciation Ratio UNTY|PFIS: EV/EBITDA Multiple|Company Value to EBITDA Peapack-Gladstone Financial Corporation (PGC)|NFBK (Northfield Bancorp Inc) - EV/EBITDA Multiple|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization ACNB|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Flushing Financial (FFIC)|EV/EBITDA Multiple bridgewaterbankmn.com (BWB)|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Bank7 BSVN|ChoiceOne Bank - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|CARE - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|Company Value to EBITDA Home Corp|KRNY: EV/EBITDA Multiple|Enterprise Value to EBITDA Ratio firstbanknj.com|CWBC (Central Valley Community Bancorp) - EV/EBITDA Multiple|EV/EBITDA Multiple Civista Bank|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Greene County Bancorp Inc (GCBC)|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization BMRC (Bank of Marin Financial)|Blue Ridge Bank - Enterprise Value to EBITDA Ratio|Business Value to Operating Income Before Depreciation PDLB|Farmers & Merchants Bancorp, Inc. - EV/EBITDA Multiple|OBT: Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|WTBA: EV/EBITDA Multiple|Pioneer Financial (PBFS) - EV/EBITDA Multiple|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization BayCom Corp|Enterprise Value to Operating Income Before Depreciation AVBC (avidiabank.com)|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization FS Bancorp (FSBW)|EV/EBITDA Multiple C&N Bank (CZNC)|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Pacific City Bank PCB|Total Company Value to Operating Income Before Depreciation Ratio Colony Bankcorp (CBAN)|PLBC - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|Company Value to Operating Income Before Depreciation Ratio FNLC|NECB: EV/EBITDA Multiple|Company Value to EBITDA John Marshall Bank (JMSB)|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Timberland Bancorp, Inc.|Company Value to EBITDA WaterStone Financial WSBF|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization LINKBANCORP, Inc. (LNKB)|PKBK: Company Value to Operating Income Before Depreciation Ratio|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Fidelity Bank FDBC|Middlefield Banc Corp. - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|Chemung Financial Corporation - EV/EBITDA Multiple|Company Value to EBITDA Westfield Bank Corp|Norwood Financial Corp. (NWFL) - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|FVCB - Total Company Value to Operating Income Before Depreciation Ratio|Enterprise Value to EBITDA Ratio FBLA|OVLY: Business Value to Operating Income Before Depreciation|EV/EBITDA Multiple PVBC|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization LCNB (lcnb.com)|EV/EBITDA Multiple FCCO (First Community Corporation)|EV/EBITDA Multiple The Bank of Princeton BPRN|HWBK - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|FRAF (Franklin Financial Services) - Enterprise Value to Operating Income Before Depreciation|ir.vnb.com (VABK) - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|Open Bank (OPBK) - EV/EBITDA Multiple|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization First National Corp|Chain Bridge Bank, N.A. - Company Value to Operating Income Before Depreciation Ratio|EV/EBITDA Multiple EFSI|BLFY - Company Value to EBITDA|EV/EBITDA Multiple FSFG (First Savings Financial Group Inc.)|Ames National Corp - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|CBFV - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|BVFL - EV/EBITDA Multiple|unitedsecuritybank.com (UBFO) - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|MNSB (MainStreet Bancshares Inc.) - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Hanover Bank|Company Value to EBITDA Citizens Community Bancorp, Inc CZWI|EV/EBITDA Multiple CFBK|Enterprise Value to EBITDA Ratio firstbankrichmond.com RMBI|EV/EBITDA Multiple FCAP (First Capital)|EV/EBITDA Multiple BCB Bancorp Inc. BCBP|ECBK - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|EBMT: Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|FNWD (ibankpeoples.com) - Enterprise Value to EBITDA Ratio|Rhinebeck Bancorp - Business Value to Operating Income Before Depreciation|SBFG (State Bank and Trust Company) - EV/EBITDA Multiple|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization AFBI|EV/EBITDA Multiple FGBI|EV/EBITDA Multiple somersetsavings.com (SRBK)|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Bogota Financial Corp. BSBK|UNB: Enterprise Value to Operating Income Before Depreciation|SFBC - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|MGYR - EV/EBITDA Multiple|Riverview Bancorp Inc (RVSB) - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|LSBK - Total Company Value to Operating Income Before Depreciation Ratio|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Pathfinder Bancorp, Inc.|CFSB Bancorp Inc - Company Value to Operating Income Before Depreciation Ratio|EV/EBITDA Multiple AUBN|IROQ - Company Value to EBITDA|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization United Bancorp UBCP|Summit State Bank Inc (SSBI) - Company Value to EBITDA|FDSB - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|Company Value to Operating Income Before Depreciation Ratio FUSB|bankofthejames.bank (BOTJ) - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|CPBI (Central Plains Bancshares Inc.) - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|BYFC (Broadway Federal Bank) - EV/EBITDA Multiple|Company Value to EBITDA NSTS Bancorp Inc. NSTS|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Catalyst Bancorp, Inc. (CLST)|Total Company Value to Operating Income Before Depreciation Ratio firstseacoastbank.com|AmeriServ Financial, Inc. - Enterprise Value to EBITDA Ratio|Business Value to Operating Income Before Depreciation PBBK|OptimumBank Holdings Inc - EV/EBITDA Multiple|TCBS: Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|HFBL: EV/EBITDA Multiple|BayFirst Financial (BAFN) - EV/EBITDA Multiple|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Marathon Bancorp|Enterprise Value to Operating Income Before Depreciation KFFB (Kentucky First Federal Bancorp Inc.)|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Glen Burnie Bancorp (GLBZ)|EV/EBITDA Multiple carverbank.com (CARV)|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Brookline Bancorp, Inc. BRKL|EBTC (Enterprise Bancorp, Inc.) - Company Value to Operating Income Before Depreciation Ratio|ESSA Bank - EV/EBITDA Multiple|Company Value to EBITDA Evans Bancorp, Inc.|FBMS: EV/EBITDA Multiple|FLIC (The First of Long Island Corporation) - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization HMN Financial, Inc.|EV/EBITDA Multiple HomeTrust Bancshares Inc.|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Independent Bank (IBTX)|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization MCBC (Macatawa Bank Corp)|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Old Point Financial Corp OPOF|Penns Woods Bank (PWOD) - Company Value to EBITDA|Sandy Spring Bancorp - EV/EBITDA Multiple|territorialsavings.net (TBNK) - Enterprise Value to EBITDA Ratio|VBFC: EV/EBITDA Multiple|williampenn.bank (WMPN) - EV/EBITDA Multiple|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization PyraMax Bank|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization SSBK