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STOCKS

PB Financial Corp (PBNC)

OTHER OTC:PBNC

PBNC

PB Financial Corp

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PB Financial Corp (PBNC) Ratios

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PB Financial Corp Ratios

PBNC's free cash flow for Q4 2025 was $0.60. For the 2025 fiscal year, PBNC's free cash flow was decreased by $ and operating cash flow was $0.35. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.03	0.03	0.03	0.15	0.17
Quick Ratio	0.03	0.03	0.03	0.15	0.17
Cash Ratio	0.03	0.03	0.01	0.03	0.03
Solvency Ratio	0.02	0.02	0.01	0.02	0.02
Operating Cash Flow Ratio	0.02	0.02	0.02	0.02	0.02
Short-Term Operating Cash Flow Coverage	0.00	0.00	3.16	1.44	0.22
Net Current Asset Value	$ -1.22B	$ -1.22B	$ -1.15B	$ -768.73M	$ -655.49M
Leverage Ratios
Debt-to-Assets Ratio	0.04	0.04	0.05	0.09	0.12
Debt-to-Equity Ratio	0.35	0.35	0.45	0.96	1.51
Debt-to-Capital Ratio	0.26	0.26	0.31	0.49	0.60
Long-Term Debt-to-Capital Ratio	0.26	0.26	0.29	0.46	0.33
Financial Leverage Ratio	9.17	9.17	9.88	11.22	12.60
Debt Service Coverage Ratio	0.82	0.61	3.31	0.43	0.19
Interest Coverage Ratio	1.27	0.79	0.00	0.79	2.41
Debt to Market Cap	0.38	0.43	0.47	0.92	1.10
Interest Debt Per Share	36.61	40.90	21.90	45.74	49.23
Net Debt to EBITDA	0.63	0.63	1.98	3.29	4.20
Profitability Margins
Gross Profit Margin	65.10%	58.26%	52.52%	56.43%	77.93%
EBIT Margin	36.51%	32.67%	28.93%	32.98%	49.80%
EBITDA Margin	36.51%	32.67%	28.93%	33.47%	51.12%
Operating Profit Margin	43.80%	32.67%	28.93%	32.98%	49.80%
Pretax Profit Margin	36.51%	32.67%	27.75%	32.98%	49.80%
Net Profit Margin	28.32%	25.34%	21.27%	25.66%	38.80%
Continuous Operations Profit Margin	28.32%	25.34%	21.27%	25.66%	38.80%
Net Income Per EBT	77.56%	77.56%	76.64%	77.80%	77.90%
EBT Per EBIT	83.36%	100.00%	95.93%	100.00%	100.00%
Return on Assets (ROA)	1.63%	1.63%	1.28%	1.42%	1.68%
Return on Equity (ROE)	15.77%	14.91%	12.69%	15.90%	21.15%
Return on Capital Employed (ROCE)	16.25%	13.54%	7.69%	10.75%	18.21%
Return on Invested Capital (ROIC)	12.60%	10.50%	5.27%	7.87%	8.43%
Return on Tangible Assets	1.64%	1.64%	1.29%	1.42%	1.69%
Earnings Yield	16.18%	18.67%	13.66%	15.24%	15.41%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	13.36	11.71
Payables Turnover	0.00	0.00	0.00	12.15	8.45
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	0.00	14.21	22.54	16.27
Asset Turnover	0.06	0.06	0.06	0.06	0.04
Working Capital Turnover Ratio	-0.14	-0.08	-0.09	-0.08	-0.07
Cash Conversion Cycle	0.00	0.00	0.00	-2.71	-12.03
Days of Sales Outstanding	0.00	0.00	0.00	27.33	31.16
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	30.03	43.19
Operating Cycle	0.00	0.00	0.00	27.33	31.16
Cash Flow Ratios
Operating Cash Flow Per Share	10.86	10.86	6.18	6.46	6.78
Free Cash Flow Per Share	10.83	10.83	5.94	6.35	6.76
CapEx Per Share	0.04	0.04	0.23	0.11	0.02
Free Cash Flow to Operating Cash Flow	1.00	1.00	0.96	0.98	1.00
Dividend Paid and CapEx Coverage Ratio	2.91	2.91	2.24	3.22	5.39
Capital Expenditure Coverage Ratio	290.82	290.82	26.45	60.86	323.28
Operating Cash Flow Coverage Ratio	0.45	0.45	0.28	0.18	0.15
Operating Cash Flow to Sales Ratio	0.30	0.27	0.21	0.28	0.41
Free Cash Flow Yield	16.94%	19.55%	13.21%	16.18%	16.22%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	6.18	5.35	7.32	6.56	6.49
Price-to-Sales (P/S) Ratio	1.75	1.36	1.56	1.68	2.52
Price-to-Book (P/B) Ratio	0.92	0.80	0.93	1.04	1.37
Price-to-Free Cash Flow (P/FCF) Ratio	5.90	5.11	7.57	6.18	6.17
Price-to-Operating Cash Flow Ratio	5.88	5.10	7.28	6.08	6.15
Price-to-Earnings Growth (PEG) Ratio	0.62	0.08	-1.82	-0.96	0.15
Price-to-Fair Value	0.92	0.80	0.93	1.04	1.37
Enterprise Value Multiple	5.42	4.78	7.36	8.32	9.13
Enterprise Value	159.57M	140.74M	169.36M	150.98M	171.44M
EV to EBITDA	5.42	4.78	7.36	8.32	9.13
EV to Sales	1.98	1.56	2.13	2.78	4.67
EV to Free Cash Flow	6.68	5.89	10.35	10.22	11.43
EV to Operating Cash Flow	6.65	5.87	9.96	10.05	11.39
Tangible Book Value Per Share	63.06	63.06	45.03	35.88	28.53
Shareholders’ Equity Per Share	69.34	69.34	48.40	37.63	30.36
Tax and Other Ratios
Effective Tax Rate	0.22	0.22	0.23	0.22	0.22
Revenue Per Share	36.52	40.80	28.89	23.32	16.55
Net Income Per Share	10.34	10.34	6.14	5.98	6.42
Tax Burden	0.78	0.78	0.77	0.78	0.78
Interest Burden	1.00	1.00	0.96	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.00	0.05	0.15	0.18
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.01	<0.01
Income Quality	1.05	1.05	1.01	1.08	1.06

Currency in USD