PB Financial Corp (PBNC)

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PBNC

PB Financial Corp

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PB Financial Corp (PBNC) Price & Analysis

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PBNC Stock Chart & Stats

$56.76

$0.00(0.00%)

At close: Dec 20 4:00 PM EST

$56.76

$0.00(0.00%)

Day’s Range― - ―

52-Week Range$49.15 - $79.00

Previous CloseN/A

Volume67.00

Average Volume (3M)917.00

Market Cap

$205.03M

Enterprise Value$154.24M

Total Cash (Recent Filing)$34.61M

Total Debt (Recent Filing)$53.12M

Price to Earnings (P/E)8.4

Beta-0.09

Next Earnings

Jul 14, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield4.27%

Share Statistics

EPS (TTM)8.11

Shares Outstanding3,020,635

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 Cap0.75

Enterprise Value/Revenue1.91

Enterprise Value/Gross Profit2.94

Enterprise Value/Ebitda5.24

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

Bulls Say, Bears Say

Bulls Say

Sustained Revenue GrowthAccelerating revenue over multiple years indicates expanding core banking activity and market penetration. Durable top-line growth supports scale, funds reinvestment and capital accumulation, and underpins mid-term earnings stability even if margins fluctuate.

Improved Leverage And Capital BaseMaterial reduction in leverage and a larger equity base increases financial resilience and regulatory buffer. Lower debt-to-equity improves funding flexibility and reduces interest sensitivity, supporting sustainable lending capacity and long-term ROE stability.

Reliable Cash ConversionClose alignment of free cash flow with net income demonstrates earnings quality and dependable cash generation. Consistent cash conversion supports dividends, loan growth or capital retention without frequent capital raises, enhancing long-term financial flexibility.

Bears Say

Margin Compression Vs. Peak YearsSustained lower margins reduce the bank's profitability buffer against credit losses, funding cost volatility, or rising expenses. If structural pressures on spreads persist, long-term earnings power and capacity to build capital could be constrained relative to prior peak performance.

Operating Cash Flow Small Relative To Asset BaseModest operating cash flow versus a large asset base limits internal liquidity and increases reliance on funding markets or non-operating items. Over time this can strain the bank's ability to self-fund growth or absorb shocks without tapping external capital.

Rapid Asset Expansion Increases Asset-quality RiskFast balance-sheet growth can outpace underwriting, compliance and credit-monitoring infrastructure. Without disciplined origination standards, scaling assets raises the odds of future non-performing loans and capital erosion, posing a medium-term risk to stability.

PBNC FAQ

What was PB Financial Corp’s price range in the past 12 months?

PB Financial Corp lowest stock price was $49.15 and its highest was $79.00 in the past 12 months.

What is PB Financial Corp’s market cap?

PB Financial Corp’s market cap is $205.03M.

When is PB Financial Corp’s upcoming earnings report date?

PB Financial Corp’s upcoming earnings report date is Jul 14, 2026 which is in 28 days.

How were PB Financial Corp’s earnings last quarter?

PB Financial Corp released its earnings results on Apr 15, 2026. The company reported $1.791 earnings per share for the quarter, beating the consensus estimate of N/A by $1.791.

Is PB Financial Corp overvalued?

According to Wall Street analysts PB Financial Corp’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does PB Financial Corp pay dividends?

PB Financial Corp pays a Quarterly dividend of $0.62 which represents an annual dividend yield of 4.27%. See more information on PB Financial Corp dividends here

What is PB Financial Corp’s EPS estimate?

PB Financial Corp’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does PB Financial Corp have?

PB Financial Corp has 3,020,635 shares outstanding.

What happened to PB Financial Corp’s price movement after its last earnings report?

PB Financial Corp reported an EPS of $1.791 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.329%.

Which hedge fund is a major shareholder of PB Financial Corp?

Currently, no hedge funds are holding shares in PBNC

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

PB Financial Corp

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.