PB Financial Corp (PBNC) AI Stock Analysis

• Market Cap: $218.30M
• Dividend Yield: 3.93%
• Average Volume (3M): 659.00
• Price to Earnings (P/E): 8.2
• Beta (1Y): -0.13
• Revenue Growth: 6.36%
• EPS Growth: 17.55%
• Country: US
• Employees: 33
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 8.55
• Shares Outstanding: 3,021,696
• 10 Day Avg. Volume: 20
• 30 Day Avg. Volume: 659
• PEG Ratio: 0.08
• Price to Book (P/B): 0.80
• Price to Sales (P/S): 1.36
• P/FCF Ratio: 5.11
• Enterprise Value/Market Cap: <0.01
• Enterprise Value/Revenue: <0.01
• Enterprise Value/Gross Profit: <0.01
• Enterprise Value/Ebitda: <0.01
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 80 Outperform
• Price Target: $83.00 ▲(18.57% Upside)
• Action: Reiterated
• Date: 08/06/26

Positive Factors

Revenue Growth

The multi-year revenue uptrend, including accelerated 2025 growth, indicates expanding earning capacity and customer activity. Sustained growth can strengthen the bank’s operating base and support future profitability if lending and funding remain disciplined.

Negative Factors

Margin Compression

Although absolute earnings remain solid, lower margins than at peak levels indicate that profitability may be sensitive to funding costs, loan pricing, or operating expenses. Persistent compression could reduce capital generation and limit earnings growth.

PB Financial Corp Business Overview & Revenue Model

Company Description

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, inclu...

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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, inclu...

How the Company Makes Money

PB Financial Corp primarily makes money through the operating results of its banking subsidiary, The Provident Bank. The core earnings driver for a community bank is typically net interest income, which is the spread between (1) interest earned on...

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PB Financial Corp primarily makes money through the operating results of its banking subsidiary, The Provident Bank. The core earnings driver for a community bank is typically net interest income, which is the spread between (1) interest earned on...

PB Financial Corp Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	82.98M	90.08M	79.54M	54.24M	36.74M	28.20M
Gross Profit	55.61M	52.48M	41.77M	30.61M	28.63M	21.77M
EBITDA	32.08M	29.43M	23.01M	18.16M	18.78M	13.10M
Net Income	24.63M	22.83M	16.92M	13.92M	14.25M	9.82M
Balance Sheet
Total Assets	1.51B	1.40B	1.32B	982.39M	849.17M	701.42M
Cash, Cash Equivalents and Short-Term Investments	13.30M	34.61M	138.81M	122.07M	123.14M	124.63M
Total Debt	53.18M	53.12M	60.31M	83.70M	101.74M	59.14M
Total Liabilities	1.36B	1.25B	1.18B	894.86M	781.76M	636.15M
Stockholders Equity	158.08M	153.07M	133.29M	87.53M	67.41M	65.27M
Cash Flow
Free Cash Flow	23.90M	23.90M	16.36M	14.77M	15.00M	10.74M
Operating Cash Flow	23.98M	23.98M	17.01M	15.02M	15.05M	10.81M
Investing Cash Flow	-66.67M	-66.67M	-112.70M	-136.50M	-173.94M	-134.53M
Financing Cash Flow	57.61M	57.61M	95.90M	115.42M	141.27M	105.32M

PB Financial Corp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 70.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 70 is below the 20-day moving average (MA) of 71.26, below the 50-day MA of 70.30, and above the 200-day MA of 63.69, indicating a bullish trend. The MACD of 0.42 indicates Negative momentum. The RSI at 57.30 is Neutral, neither overbought nor oversold. The STOCH value of 61.65 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PBNC.

PB Financial Corp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PBNC	80 Outperform	$218.30M	8.19	16.03%	3.62%	6.36%	17.55%
SFBC	72 Outperform	$120.42M	15.05	7.31%	1.78%	-0.53%	27.52%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SRBK	63 Neutral	$143.05M	43.50	1.80%	1.10%	6.46%	1.90%
UNB	60 Neutral	$116.60M	9.10	14.72%	5.81%	10.15%	28.62%
BSBK	58 Neutral	$116.89M	43.33	1.83%	―	21.45%	―
RVSB	54 Neutral	$103.76M	-26.94	-2.50%	1.52%	-11.21%	-176.24%