PB Financial Corp (PBNC)

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PBNC

PB Financial Corp

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PB Financial Corp (PBNC) Price & Analysis

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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$44.90 - $69.99

Previous CloseN/A

Volume67.00

Average Volume (3M)917.00

Market Cap

$146.80M

Enterprise Value$162.00M

Total Cash (Recent Filing)$34.61M

Total Debt (Recent Filing)$53.12M

Price to Earnings (P/E)5.4

Beta-0.05

Next Earnings

Apr 13, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield4.27%

Share Statistics

EPS (TTM)1.97

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 Cap1.10

Enterprise Value/Revenue2.01

Enterprise Value/Gross Profit3.09

Enterprise Value/Ebitda5.50

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 acceleration in 2025 indicates durable demand and successful core banking growth. Higher top-line provides a structural base to fund operating leverage, support credit provisioning, and sustain earnings over the next several quarters as the bank expands relationships.

Improved LeverageMaterial deleveraging and rising equity (to $153.1M) reduce financial risk and increase funding flexibility. Lower leverage improves resilience to credit stress and interest-rate swings, enabling more conservative loan growth and potentially lower funding costs over the medium term.

Profitability & Cash QualityHealthy margins and ROE combined with free cash flow tracking net income point to strong earnings quality and cash conversion. This supports sustainable dividend capacity and internal capital for growth, reducing dependence on external financing over coming quarters.

Bears Say

Thin Operating Cash Flow CoverageOperating cash flow (~$24M in 2025) is modest relative to total assets (~$1.4B), implying lower internal liquidity coverage. That structural gap can constrain the pace of asset growth, increase reliance on wholesale funding, and raise sensitivity to funding-cost shocks over the medium term.

Margin Compression RiskAlthough margins are solid today, compression from prior peaks signals structural pressure on net interest margins or fee income. If competitive or rate dynamics persist, restoring earlier peak margins may be difficult, limiting upside to core profitability over the next several quarters.

Rapid Asset ExpansionSubstantial asset growth increases exposure to underwriting and credit cycles; maintaining asset quality is essential. Rapid scaling can amplify credit risk and loss provisioning needs, making disciplined underwriting and reserves key to preserving capital ratios and earnings durability.

PBNC FAQ

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

PB Financial Corp lowest stock price was $44.90 and its highest was $69.99 in the past 12 months.

What is PB Financial Corp’s market cap?

PB Financial Corp’s market cap is $146.80M.

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

PB Financial Corp’s upcoming earnings report date is Apr 13, 2026 which is in 16 days.

How were PB Financial Corp’s earnings last quarter?

PB Financial Corp released its earnings results on Jan 22, 2026. The company reported $1.97 earnings per share for the quarter, beating the consensus estimate of N/A by $1.97.

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 $1.97 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -1.55%.

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

PB Financial Corp Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

15.77%

Trailing 12-Months

Asset Growth

6.64%

Trailing 12-Months

Top Smart Score Stocks >

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.