PB Financial Past Earnings Performance
Past criteria checks 2/6
PB Financial has been growing earnings at an average annual rate of 21.9%, while the Banks industry saw earnings growing at 9.3% annually. Revenues have been growing at an average rate of 18.6% per year. PB Financial's return on equity is 12.7%, and it has net margins of 43.5%.
Key information
21.9%
Earnings growth rate
20.5%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 18.6% |
| Return on equity | 12.7% |
| Net Margin | 43.5% |
| Last Earnings Update | 31 Mar 2024 |
Recent past performance updates
No updates
Recent updates
Revenue & Expenses Breakdown
How PB Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Mar 24 | 31 | 13 | 10 | 0 |
| 31 Dec 23 | 31 | 14 | 10 | 0 |
| 31 Mar 23 | 30 | 15 | 9 | 0 |
| 31 Dec 22 | 29 | 14 | 9 | 0 |
| 30 Sep 22 | 26 | 13 | 8 | 0 |
| 30 Jun 22 | 24 | 11 | 8 | 0 |
| 31 Mar 22 | 23 | 10 | 0 | 0 |
| 31 Dec 21 | 22 | 10 | 8 | 0 |
| 30 Sep 21 | 21 | 9 | 7 | 0 |
| 30 Jun 21 | 20 | 8 | 7 | 0 |
| 31 Mar 21 | 18 | 7 | 7 | 0 |
| 31 Dec 20 | 17 | 7 | 7 | 0 |
| 30 Sep 20 | 17 | 7 | 7 | 0 |
| 30 Jun 20 | 17 | 7 | 7 | 0 |
| 31 Mar 20 | 17 | 7 | 7 | 0 |
| 31 Dec 19 | 17 | 7 | 7 | 0 |
| 31 Dec 18 | 15 | 6 | 7 | 0 |
| 31 Dec 17 | 11 | 3 | 5 | 0 |
| 31 Dec 16 | 9 | 2 | 5 | 0 |
| 31 Dec 15 | 9 | 2 | 4 | 0 |
| 31 Dec 14 | 8 | 2 | 4 | 0 |
Quality Earnings: PBNC has high quality earnings.
Growing Profit Margin: PBNC's current net profit margins (43.5%) are lower than last year (50.3%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: PBNC's earnings have grown significantly by 21.9% per year over the past 5 years.
Accelerating Growth: PBNC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: PBNC had negative earnings growth (-12.3%) over the past year, making it difficult to compare to the Banks industry average (-14.2%).
Return on Equity
High ROE: PBNC's Return on Equity (12.7%) is considered low.