PEBK Should I Buy
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$
0.000
0.000(0.000%)
At close0.000(0.000%)Aft-market
ET
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Not a good buy right now. At the current pre-market price (~36.1), PEBK is sitting just below the key pivot (36.431) with neutral-to-soft momentum and no proprietary buy signals. With no clear technical edge for an immediate move and the recent earnings strength partially helped by a one-time gain, the risk/reward for an impatient entry is not attractive today. I would HOLD (do not add here).
Price/levels: Pre-market ~36.1 is below the pivot (36.431), leaving the stock in a "below-pivot" stance. Nearest support is S1 35.581 (then S2 35.056). Upside resistance sits at R1 37.281 (then R2 37.806).
Momentum: MACD histogram is negative (-0.188) but contracting, suggesting bearish pressure is easing rather than a confirmed bullish reversal. RSI(6) ~47.98 is neutral, implying no strong overbought/oversold edge.
Trend/structure: Converging moving averages typically indicate consolidation/range behavior rather than a clean trend. Given this setup, a fast, high-conviction long entry is not supported at the moment.
Intellectia Proprietary Trading Signals
Pattern-based probabilities (from similar candlesticks): ~40% chance of -0.5% next day; +1.29% next week; +2.05% next month—modestly positive beyond the very near term, but not strong enough to justify an impatient buy without confirmation.
GAAP EPS came in at $1.21 with revenue of $24.98M, indicating strong year-over-year improvement.
Recent Q4 results included a $3.0M net gain from the NCDOT eminent domain acquisition, which is non-recurring and can inflate EPS versus core run-rate.
Technical setup is not a clear buy: below pivot, MACD still negative, and moving averages converging (range-bound / indecision).
Macro tape is risk-off pre-market (S&P 500 -0.45%), which can pressure small-cap financials.
No noted hedge fund accumulation, insider buying, or congress trading tailwind (no recent congress trading data available).
Latest provided quarter: 2025/Q3 — Revenue rose to $15.711M (+4.52% YoY), but profitability softened: Net Income $3.692M (-6.72% YoY) and EPS $0.67 (-6.94% YoY). This shows top-line growth without matching bottom-line growth.
Most recent newsworthy quarter (Q4, reported 2026-01-26): GAAP EPS $1.21 on revenue $24.98M, with NIM improving to 3.62%. However, results benefited from a $3.0M one-time net gain (eminent domain), so core earnings quality should be viewed as less clean than the headline beat suggests.
No analyst rating / price-target change data was provided. Practically, that means you should not expect strong Wall Street-driven momentum catalysts (upgrades/target hikes) to help the stock in the near term.
Wall Street-style pros view (based on available fundamentals): improving NIM and recent strong quarter headline results. Cons view: small-cap bank with limited visible analyst sponsorship, recent (Q3) profit/EPS contraction, and Q4 headline strength partly influenced by a non-recurring gain.
