MS
Morgan Stanley
MS's fundamentals are strong: revenue grew 16% and earnings per share grew 29%. At 15x earnings, it's trading in line with its usual 14x. Analysts expect earnings growth.
PEBK
Peoples Bancorp of North Carolina, Inc.
There isn't enough reported data to score PEBK yet.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
PEBK Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Strong | |
| N/A | |
| N/A |
PEBK's profitability is currently strong, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like PEBK.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x next year's earnings.
PEBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.7x | $35.15 | -19% |
| Fair | 11x | $42.42 | -2.1% |
| Current | 11x | $43.35 | — |
| Expensive | 12x | $47.33 | +9.2% |
Historical ranges are pointers, not guarantees.
PEBK has the edge over MS in the historical PE scenario, which offers more potential upside but is not a forecast.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MS, with profitability improving.
PEBK Forward outlook
There aren't enough analyst estimates for PEBK to show an outlook.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS has the edge over PEBK on earnings, with stronger typical year-over-year growth.
PEBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $4.02 | +31% |
| Q2 2026 | $3.64 | +17% |
| Q1 2026 | $3.63 | +19% |
| Q4 2025 | $3.62 | +21% |
| Q3 2025 | $3.06 | +3.7% |
| Q2 2025 | $3.11 | +4.7% |
| Q1 2025 | $3.05 | +4.1% |
| Q4 2024 | $2.98 | +7.6% |
PEBK's earnings per share have climbed steadily: $4.02 over the past year, up 31% from the year before, and higher year over year for nine quarters in a row.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS has the edge over PEBK on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS has the edge over PEBK on profitability, with a higher operating margin.
PEBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $23.4M | -18% |
| Q2 2026 | $23.1M | -19% |
| Q1 2026 | $21.6M | -19% |
| Q4 2025 | $31.2M | +14% |
| Q3 2025 | $28.5M | +3.5% |
| Q2 2025 | $28.4M | +3% |
| Q1 2025 | $26.5M | +2.5% |
| Q4 2024 | $27.4M | +42% |
PEBK's revenue is shrinking: $23M last quarter, down 18% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | +15 points |
| Q2 2026 | 29% | +5.7 points |
| Q1 2026 | 26% | +4.9 points |
| Q4 2025 | 28% | +11 points |
| Q3 2025 | 17% | -2.5 points |
| Q2 2025 | 23% | +0.7 points |
| Q1 2025 | 21% | +2.9 points |
| Q4 2024 | 17% | -6.1 points |
PEBK's operating margin was 32% last quarter, up 15 points from the same quarter a year ago, near the top of its range since 2019.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
PEBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $8.4M | +92% |
| Q2 2026 | $6M | +13% |
| Q1 2026 | $4.6M | -11% |
| Q4 2025 | $5.1M | -1.3% |
| Q3 2025 | $4.4M | -7.7% |
| Q2 2025 | $5.4M | -18% |
| Q1 2025 | $5.2M | +46% |
| Q4 2024 | $5.1M | -3.1% |
PEBK has the edge over MS on cash generation, producing positive trailing cash flow while its opponent burns cash.
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has the edge over PEBK on shareholder dilution, with a more favorable share count trend.
PEBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -3.8K shares |
| 1 year | 0% | +271 shares |
| 3 years | -3% | -169K shares |
PEBK has 5M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | $2M |
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
PEBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.3x | Net Cash |
| Q2 2026 | -1.6x | Net Cash |
| Q1 2026 | -1.6x | Net Cash |
| Q4 2025 | -1.5x | Net Cash |
| Q3 2025 | -0.5x | Net Cash |
| Q2 2025 | -0.7x | Net Cash |
| Q1 2025 | -0.7x | Net Cash |
| Q4 2024 | -1.8x | Net Cash |
PEBK has the edge over MS on leverage, with a lower net debt burden relative to earnings.
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (oversold).
PEBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.0 | Neutral |
| Stochastic | 41.0 | Neutral |
PEBK's weekly RSI is 53 (neutral) and its Stochastic is 41 (neutral).
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS is trading at 15x earnings, a 15% premium to the Financial Services sector's median of 13x.
PEBK PE vs Financial Services Sector
| Metric | PEBK | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 17% below |
| PE % | 57 | 63 | 6 pts below |
PEBK has the edge over MS on valuation relative to its sector.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS's trend is mixed: it's above three of its five weekly moving averages, and 46% above its 200-week average.
PEBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $43.5 | 0.3% below |
| 20 week MA | $43.5 | 0.3% below |
| 50 week MA | $40.9 | 6% above |
| 100 week MA | $35.0 | 24% above |
| 200 week MA | $30.9 | 40% above |
PEBK has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 40% above its 200-week average.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has finished higher in five of the last six years. It's up 4% so far in 2026.
PEBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $32.3 | $25.3 | -22% |
| 2021 | $25.3 | $27.5 | +8.8% |
| 2022 | $27.5 | $32.2 | +17% |
| 2023 | $32.2 | $30.9 | -3.8% |
| 2024 | $30.9 | $31.6 | +2.2% |
| 2025 | $31.6 | $37.0 | +17% |
| 2026 YTD | $37.0 | $43.4 | +17% |
PEBK has the edge over MS on returns for 2026, with the stronger performance.