PBNC Stock Overview

Operates as the financial holding company for Providence Bank that provides commercial and retail banking products and services. More details

PBNC fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	3/6
Financial Health	6/6
Dividends	3/6

Rewards

Trading at 71.5% below our estimate of its fair value

Earnings grew by 2.4% over the past year

Risk Analysis

Shares are highly illiquid

Shareholders have been diluted in the past year

My Notes

Capture your thoughts, links and company narrative

PB Financial Corporation Competitors

Partners Bancorp

NasdaqCM:PTRS

US$128.5m

Bank of Idaho Holding

OTCPK:BOID

US$119.6m

Muncy Columbia Financial

OTCPK:CCFN

US$147.5m

SouthPoint Bancshares

OTCPK:SOUB

US$108.8m

Price History & Performance

Summary of share price highs, lows and changes for PB Financial
Historical stock prices
Current Share Price	US$44.97
52 Week High	US$46.00
52 Week Low	US$38.00
Beta	-0.011
1 Month Change	4.58%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	12.43%
5 Year Change	45.06%
Change since IPO	28.49%

Recent updates

Shareholder Returns

	PBNC	US Banks	US Market
7D	0%	0.8%	0.6%
1Y	n/a	29.4%	23.7%

Return vs Industry: Insufficient data to determine how PBNC performed against the US Banks industry.

Return vs Market: Insufficient data to determine how PBNC performed against the US Market.

Price Volatility

Is PBNC's price volatile compared to industry and market?
PBNC volatility
PBNC Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.5%
10% least volatile stocks in US Market	3.1%

Stable Share Price: PBNC's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine PBNC's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2006	n/a	Ted Whitehurst	www.pbknc.com

PB Financial Corporation operates as the financial holding company for Providence Bank that provides commercial and retail banking products and services. The company offers checking accounts, savings accounts, money market accounts, certificate of deposit (CD), and individual retirement accounts; personal loans, home equity line of credit, line of credit, and mortgage lending products; and business loans for purchasing land and buildings, making leasehold improvements, refinancing debt, accessing working capital, and investing in property, as well as for buying machinery, equipment, and vehicles. It also provides debit and credit cards; online and mobile banking services; and cash management services, such as ACH transactions, remote deposit capture, account sweep, and merchant services.

PB Financial Corporation Fundamentals Summary

How do PB Financial's earnings and revenue compare to its market cap?
PBNC fundamental statistics
Market cap	US$131.55m
Earnings (TTM)	US$15.24m
Revenue (TTM)	US$38.89m

8.6x

P/E Ratio

1.0x

P/B Ratio

Is PBNC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PBNC income statement (TTM)
Revenue	US$38.89m
Cost of Revenue	US$0
Gross Profit	US$38.89m
Other Expenses	US$23.64m
Earnings	US$15.24m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	5.21
Gross Margin	100.00%
Net Profit Margin	39.20%
Debt/Equity Ratio	43.6%

How did PBNC perform over the long term?

See historical performance and comparison

Dividends

4.8%

Current Dividend Yield

31%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/29 10:20
End of Day Share Price	2024/12/20 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

PB Financial Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution