PB Financial Corp (PBNC)

OTHER OTC:PBNC

PBNC

PB Financial Corp

RESEARCH TOOLSreports

Want to see PBNC full AI Analyst Report?

PB Financial Corp (PBNC) Price & Analysis

5 Followers

PBNC Stock Chart & Stats

$56.76

$0.00(0.00%)

At close: Dec 20 4:00 PM EST

$56.76

$0.00(0.00%)

Day’s Range― - ―

52-Week Range$47.00 - $75.00

Previous CloseN/A

Volume67.00

Average Volume (3M)917.00

Market Cap

$156.26M

Enterprise Value$149.89M

Total Cash (Recent Filing)$34.61M

Total Debt (Recent Filing)$53.12M

Price to Earnings (P/E)8.0

Beta-0.07

Next Earnings

Jul 14, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield4.27%

Share Statistics

EPS (TTM)8.11

Shares Outstanding2,207,576

10 Day Avg. Volume758

30 Day Avg. Volume917

Financial Highlights & Ratios

PEG Ratio0.08

Price to Book (P/B)0.80

Price to Sales (P/S)1.36

P/FCF Ratio5.11

Enterprise Value/Market Cap0.96

Enterprise Value/Revenue1.86

Enterprise Value/Gross Profit2.86

Enterprise Value/Ebitda5.09

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Revenue GrowthConsistent multi-year revenue growth with an acceleration in 2025 indicates durable demand for the bank’s products and expanding franchise scale. Sustained top-line expansion supports future earnings, loan growth capacity, and the ability to fund organic capital needs over the next several quarters.

Improved Leverage & CapitalMaterial reduction in leverage and rising equity materially improves financial flexibility and resilience. Lower debt-to-equity reduces funding risk and supports regulatory buffer, enabling the bank to lend, invest, or return capital with less strain over a multi-quarter horizon.

Cash Generation QualityFree cash flow alignment with net income and rising operating cash flow signal earnings quality and sustainable internal funding. Reliable cash conversion supports dividend capacity and organic growth without heavy reliance on external capital over the coming months.

Bears Say

Rapid Asset Growth / Asset Quality RiskRapid balance-sheet expansion increases credit and interest-rate risk if underwriting standards slip. As assets grow materially, maintaining disciplined credit selection and reserve coverage is critical; failures here could pressure earnings and capital over multiple quarters.

Margin CompressionCompressed margins versus historical peaks suggest competitive or structural pressures on pricing or funding. If margins remain below past peaks, earnings upside may be limited and returns on new assets could be muted for several quarters absent structural improvement.

Low Operating Cash Flow CoverageOperating cash flow that is modest compared with a large balance sheet reduces cushion against credit stress or funding shocks. Limited coverage constrains the bank’s ability to absorb losses, fund rapid loan growth, or increase payouts without raising external capital over the medium term.

PBNC FAQ

What was PB Financial Corp’s price range in the past 12 months?

PB Financial Corp lowest stock price was $47.00 and its highest was $75.00 in the past 12 months.

What is PB Financial Corp’s market cap?

PB Financial Corp’s market cap is $156.26M.

When is PB Financial Corp’s upcoming earnings report date?

PB Financial Corp’s upcoming earnings report date is Jul 14, 2026 which is in 66 days.

How were PB Financial Corp’s earnings last quarter?

PB Financial Corp released its earnings results on Apr 15, 2026. The company reported $1.791 earnings per share for the quarter, beating the consensus estimate of N/A by $1.791.

Is PB Financial Corp overvalued?

According to Wall Street analysts PB Financial Corp’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does PB Financial Corp pay dividends?

PB Financial Corp pays a Quarterly dividend of $0.6 which represents an annual dividend yield of 4.27%. See more information on PB Financial Corp dividends here

What is PB Financial Corp’s EPS estimate?

PB Financial Corp’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does PB Financial Corp have?

PB Financial Corp has 2,207,576 shares outstanding.

What happened to PB Financial Corp’s price movement after its last earnings report?

PB Financial Corp reported an EPS of $1.791 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.329%.

Which hedge fund is a major shareholder of PB Financial Corp?

Currently, no hedge funds are holding shares in PBNC

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

PB Financial Corp

PB Financial Corporation operates as the financial holding company for Providence Bank that provides commercial and retail banking products and services. The company's personal banking products and services include checking accounts, savings accounts, money market accounts, certificate of deposit (CD), and individual retirement accounts; loans, such as consumer loans, equity lines, mortgages, and personal lines of credit, as well as credit cards; E-delivery information services; online banking services; and other products and services comprising telephone banking, ATM, online bill pay, and statement e-delivery services, as well as debit cards. Its business banking products and services include checking accounts, commercial money market accounts, business savings accounts, CDs, and lawyer's trust accounts; commercial loans for machinery, equipment, vehicles, office/warehouse/land purchases and improvements, refinances, balance sheet expansion, investment property, and leasehold improvements, as well as lines of credit for working capital, agriculture, inventory, and seasonal needs; E-delivery information services; cash management services; remote deposit capture services; online banking services; and other products and services comprising sweep accounts, merchant services, and telephone banking services. The company has its branches in Nash, Edgecombe, Wake, and Wilson Counties of North Carolina. PB Financial Corporation was founded in 2006 and is based in Rocky Mount, North Carolina.