PB Financial Corp (PBNC)
OTHER OTC:PBNC
Top Page
PB Financial Corp
(OTC:PBNC)
Select Model
Select Model
Rating:78Outperform
Price Target:
$74.00
▲(30.37% Upside)
Action:ReiteratedDate:03/24/26
The score is driven primarily by solid financial performance (revenue growth, healthy margins, and improved leverage) and a notably attractive valuation (low P/E and strong dividend yield). Technicals are supportive with the stock trading above major moving averages and positive MACD, reinforcing the overall outlook.
Positive Factors
Revenue Growth
Consistent 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.
Negative Factors
Thin Operating Cash Flow Coverage
Operating 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Consistent 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.
Read all positive factors
PB Financial Corp (PBNC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$144.08M
Dividend Yield4.27%
Average Volume (3M)917.00
Price to Earnings (P/E)5.4
Beta (1Y)-0.08
Revenue Growth21.71%
EPS Growth17.03%
CountryUS
Employees33
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap1.13
Enterprise Value/Revenue2.02
Enterprise Value/Gross Profit3.11
Enterprise Value/Ebitda5.54
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
PB Financial Corp Business Overview & Revenue Model
Company Description
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 accou...
PB Financial Corp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
71
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 90.08M | 79.54M | 54.24M | 36.74M | 28.20M |
| Gross Profit | 52.48M | 41.77M | 30.61M | 28.63M | 21.77M |
| EBITDA | 29.43M | 23.01M | 18.16M | 18.78M | 13.10M |
| Net Income | 22.83M | 16.92M | 13.92M | 14.25M | 9.82M |
Balance Sheet | |||||
| Total Assets | 1.40B | 1.32B | 982.39M | 849.17M | 701.42M |
| Cash, Cash Equivalents and Short-Term Investments | 34.61M | 0.00 | 122.07M | 123.14M | 124.63M |
| Total Debt | 53.12M | 60.31M | 83.70M | 101.74M | 59.14M |
| Total Liabilities | 1.25B | 1.18B | 894.86M | 781.76M | 636.15M |
| Stockholders Equity | 153.07M | 133.29M | 87.53M | 67.41M | 65.27M |
Cash Flow | |||||
| Free Cash Flow | 23.90M | 16.36M | 14.77M | 15.00M | 10.74M |
| Operating Cash Flow | 23.98M | 17.01M | 15.02M | 15.05M | 10.81M |
| Investing Cash Flow | -66.67M | -112.70M | -136.50M | -173.94M | -134.53M |
| Financing Cash Flow | 57.61M | 95.90M | 115.42M | 141.27M | 105.32M |
PB Financial Corp Technical Analysis
Positive
56.76
Price Trends
62.97
Positive
58.69
Positive
54.47
Positive
Market Momentum
0.76
Positive
56.82
Neutral
11.33
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PBNC, the sentiment is Positive. The current price of 56.76 is below the 20-day moving average (MA) of 65.60, below the 50-day MA of 62.97, and above the 200-day MA of 54.47, indicating a neutral trend. The MACD of 0.76 indicates Positive momentum. The RSI at 56.82 is Neutral, neither overbought nor oversold. The STOCH value of 11.33 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PBNC.
PB Financial Corp Risk Analysis
PB Financial Corp disclosed 55 risk factors in its most recent earnings report. PB Financial Corp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
PB Financial Corp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $144.08M | 5.35 | 15.77% | 4.27% | 21.71% | 17.03% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $116.22M | 15.59 | 6.70% | 1.75% | 2.85% | 73.41% | |
60 Neutral | $120.33M | 18.92 | 2.98% | 1.51% | 8.77% | 369.81% | |
59 Neutral | $135.21M | 35.78 | 1.57% | 0.88% | 9.43% | 166.36% | |
53 Neutral | $112.54M | 9.78 | 14.80% | 6.08% | 14.52% | 27.90% | |
50 Neutral | $110.33M | 51.05 | 1.50% | ― | -15.09% | ― |
* Financial Sector Average
PBNC
PB Financial Corp
65.27
22.01
50.88%
RVSB
Riverview Bancorp
5.81
0.20
3.64%
UNB
Union Bankshares
24.39
-2.29
-8.59%
SFBC
Sound Financial Bancorp
45.29
-4.10
-8.30%
BSBK
Bogota Financial
8.54
1.59
22.88%
SRBK
SR Bancorp, Inc.
17.85
6.07
51.49%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.