PB Financial Corporation (PBNC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 18 | 23 | 29 | 32 | 44 | 53 | 47 | - |
| Operating profit | $m | 29 | 38 | ||||||
| Net profit | $m | 7 | 10 | 14 | 14 | 17 | 23 | 25 | - |
| EPS reported | $ | 7.07 | 7.56 | ||||||
| Operating cashflow per share | $ | 10.86 | 7.26 | ||||||
| Capex per share | $ | 0.04 | 0.02 | ||||||
| FCF per share | $ | 10.83 | 7.24 | ||||||
| Free cash flow | $m | 24 | 24 | ||||||
| Net debt | $m | 19 | 40 | ||||||
| Book value equity | $m | 153 | 158 | ||||||
| Book value per share | $ | 50.14 | 50.41 | ||||||
| Number of shares | m | 3.05 | 3.14 | ||||||
| DPS (TTM paid) | $ | 2.34 | 2.80 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 7.83 | 9.52 | ||||||
| P/B LTM | x | 0.80 | 0.77 | ||||||
| P/S LTM | x | 2.31 | 2.62 | ||||||
| P/FCF LTM | x | 5.11 | 5.11 | ||||||
| EV/EBITDA LTM | x | 4.78 | 4.39 | ||||||
| EV/Sales LTM | x | 1.56 | 2.37 | ||||||
| Earnings Yield LTM | % | +12.77% | +10.50% | ||||||
| FCF Yield | % | +19.55% | +19.55% | ||||||
| Quality | |||||||||
| ROE | % | +14.91% | +16.03% | ||||||
| ROIC | % | +10.50% | +1.93% | ||||||
| Operating margin | % | +32.67% | +45.45% | ||||||
| Gross margin | % | +58.26% | +67.02% | ||||||
| FCF/Sales | % | +26.53% | +28.80% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +28.08% | +36.96% | ||||||
| Sales Growth YoY | % | +20.99% | +6.78% | ||||||
| Net Income Growth YoY | % | +34.94% | +45.61% | ||||||
| FCF Growth | % | +46.04% | +46.04% | ||||||
| Operating Profit Growth | % | +27.90% | +63.90% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +6.67% | +3.89% | ||||||
| Dividend Growth | % | +8.84% | +30.23% | ||||||
| Payout Ratio | % | +37.79% | +34.96% | ||||||
| FCF/Debt | x | 0.45 | 0.45 | ||||||
| Net Debt/EBITDA | x | 0.63 | 1.24 | ||||||
| EBIT/Net interest | x | 0.79 | 1.04 | ||||||
| Net debt/market cap | % | +43.46% | +33.93% | ||||||
| Net debt/Equity | x | 0.12 | 0.25 | ||||||
| Gross debt/equity | x | 0.35 | 0.34 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
PB Financial Corporation operates as the parent financial holding company for Providence Bank, offering a broad spectrum of commercial and retail banking products and services. For individual clients, the bank provides diverse account types, including checking, savings, money market, certificates of deposit (CDs), and individual retirement accounts (IRAs). Its personal lending solutions encompass consumer loans, home equity lines of credit, mortgages, and personal lines of credit, alongside credit card offerings. Modern digital conveniences like online banking and e-delivery of statements and information are complemented by traditional services such as telephone banking, ATM access, online bill payment, and debit cards. Regarding its business clientele, account options span checking, commercial money market, and business savings accounts, in addition to certificates of deposit and specialized lawyer's trust accounts. The institution extends commercial loans tailored for various purposes, including financing machinery, equipment, vehicles, and real estate (such as office, warehouse, and land purchases, improvements, and investment properties). It also provides funding for refinances, balance sheet expansion, and leasehold improvements. Furthermore, lines of credit are available to support working capital, agricultural ventures, inventory management, and seasonal demands. Additional business amenities encompass online banking, e-delivery of information, sophisticated cash management tools, remote deposit capture, sweep accounts, merchant services, and telephone banking. The company's branch network serves customers across Nash, Edgecombe, Wake, and Wilson Counties within North Carolina. Established in 2006, PB Financial Corporation is headquartered in Rocky Mount, North Carolina.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
PB Financial Corporation (PBNC)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
PB Financial Corporation operates as the parent financial holding company for Providence Bank, offering a broad spectrum of commercial and retail banking products and services. For individual clients, the bank provides diverse account types, including checking, savings, money market, certificates of deposit (CDs), and individual retirement accounts (IRAs). Its personal lending solutions encompass consumer loans, home equity lines of credit, mortgages, and personal lines of credit, alongside credit card offerings. Modern digital conveniences like online banking and e-delivery of statements and information are complemented by traditional services such as telephone banking, ATM access, online bill payment, and debit cards. Regarding its business clientele, account options span checking, commercial money market, and business savings accounts, in addition to certificates of deposit and specialized lawyer's trust accounts. The institution extends commercial loans tailored for various purposes, including financing machinery, equipment, vehicles, and real estate (such as office, warehouse, and land purchases, improvements, and investment properties). It also provides funding for refinances, balance sheet expansion, and leasehold improvements. Furthermore, lines of credit are available to support working capital, agricultural ventures, inventory management, and seasonal demands. Additional business amenities encompass online banking, e-delivery of information, sophisticated cash management tools, remote deposit capture, sweep accounts, merchant services, and telephone banking. The company's branch network serves customers across Nash, Edgecombe, Wake, and Wilson Counties within North Carolina. Established in 2006, PB Financial Corporation is headquartered in Rocky Mount, North Carolina.
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