Is PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 36.1% | |
| Net Margin | 22.3% | |
| Return on Equity (ROE) | 13.8% | |
| Return on Assets (ROA) | 1.2% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $21M |
| Free Cash Flow | $20M |
| Total Debt | $19M |
| Total Assets | $1.7B |
Price & Trading
| Last Close | $38.59 |
| 50-Day MA | $37.83 |
| 200-Day MA | $32.88 |
| Avg Volume | 20K |
| Beta | 0.3 |
|
52-Week Range
$23.74
| |
About PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK)
Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various banking products and services for individuals and small-to medium-sized businesses in the North Carolina, United States. The company offers deposit products. It also originates commercial real estate loans, commercial loans, construction and land development loans, single-family residential mortgage loans, as well as agricultural loans. In addition, the company provides investment counseling and non-deposit investment products, such as stocks, bonds, mutual funds, tax deferred annuities, and related brokerage services; and real estate appraisal and brokerage services. Further, it operates as a clearinghouse for the provision of appraisal services for community banks; and acquires, manages, and disposes of real property, other collateral, and other assets obtained in the ordinary course of collecting debts. The company was founded in 1912 and is headquartered in Newton, North Carolina.
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Frequently Asked Questions
Is PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), PEOPLES BANCORP OF NORTH CAROLINA INC is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is PEOPLES BANCORP OF NORTH CAROLINA INC's debt ratio?
PEOPLES BANCORP OF NORTH CAROLINA INC's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are PEOPLES BANCORP OF NORTH CAROLINA INC's key financial metrics?
PEOPLES BANCORP OF NORTH CAROLINA INC has a market capitalization of $210M, trailing P/E ratio of 10.6, and revenue of $74M. Return on equity stands at 13.8%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.