PB Financial Corp (PBNC) AI Stock Analysis

• Market Cap: $105.14M
• Dividend Yield: 4.62%
• Average Volume (3M): 260.00
• Price to Earnings (P/E): 8.2
• Beta (1Y): 0.03
• Revenue Growth: 47.50%
• EPS Growth: 17.61%
• Country: US
• Employees: 33
• Sector: Financial
• Sector Strength: 84
• Industry: Banks - Regional
• EPS (TTM): 5.83
• Shares Outstanding: 2,207,576
• 10 Day Avg. Volume: 116
• 30 Day Avg. Volume: 260
• PEG Ratio: 2.48
• Price to Book (P/B): 0.98
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 77 Outperform
• Price Target: ―

PB Financial Corp's strong financial performance is the key driver of its stock score, supported by solid technical indicators and an attractive valuation. The lack of significant corporate events or earnings call insights results in a neutral impact on the overall score.

PB Financial Corp Business Overview & Revenue Model

Company Description

PB Financial Corporation operates as the financial holding company for Providence Bank that provides commercial and retail banking products and services. The company's personal banking products and services include checking accounts, savings accounts, money market accounts, certificate of deposit (CD), and individual retirement accounts; loans, such as consumer loans, equity lines, mortgages, and personal lines of credit, as well as credit cards; E-delivery information services; online banking services; and other products and services comprising telephone banking, ATM, online bill pay, and statement e-delivery services, as well as debit cards. Its business banking products and services include checking accounts, commercial money market accounts, business savings accounts, CDs, and lawyer's trust accounts; commercial loans for machinery, equipment, vehicles, office/warehouse/land purchases and improvements, refinances, balance sheet expansion, investment property, and leasehold improvements, as well as lines of credit for working capital, agriculture, inventory, and seasonal needs; E-delivery information services; cash management services; remote deposit capture services; online banking services; and other products and services comprising sweep accounts, merchant services, and telephone banking services. The company has its branches in Nash, Edgecombe, Wake, and Wilson Counties of North Carolina. PB Financial Corporation was founded in 2006 and is based in Rocky Mount, North Carolina.

How the Company Makes Money

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PB Financial Corp Financial Statement Overview

Summary

PB Financial Corp exhibits strong financial health with consistent revenue growth and profitability. The balance sheet is stable with reasonable leverage, and cash flows are generally well-managed. However, the slight decline in free cash flow growth is a minor concern.

Income Statement

PB Financial Corp has demonstrated solid revenue growth with a 5% increase from the previous year. The Gross Profit Margin stands at 177.2%, indicating a strong ability to generate profit from its revenues. The Net Profit Margin is 45.5%, showcasing effective cost management. EBIT and EBITDA margins are robust at 65.9% and 59.2% respectively, reflecting operational efficiency.

Balance Sheet

The company maintains a healthy balance sheet with a Debt-to-Equity Ratio of 0.95, which is considered stable for the banking industry. Return on Equity is strong at 15.9%, indicating effective use of equity capital to generate profits. The Equity Ratio is 8.9%, showing a balanced asset structure and financial stability.

Cash Flow

Operating Cash Flow to Net Income Ratio is 1.08, reflecting strong cash generation relative to net income. Free Cash Flow to Net Income Ratio is slightly lower at 1.06, indicating effective cash management. The Free Cash Flow Growth Rate is -1.5%, showing a slight decrease from the previous year, which is a point of concern.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
51.74M	30.61M	29.16M	22.74M	18.44M	17.84M
	Gross Profit
43.69M	54.24M	29.16M	22.74M	18.44M	17.84M
	EBIT
33.19M	20.19M	18.30M	12.61M	8.74M	9.14M
	EBITDA
8.43M	18.11M	18.91M	13.27M	9.47M	9.94M
	Net Income Common Stockholders
13.53M	13.92M	14.25M	9.82M	6.81M	7.12M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
-9.42M	14.59M	123.14M	124.63M	92.86M	55.61M
	Total Assets
878.91M	982.39M	849.17M	701.42M	586.56M	478.34M
	Total Debt
94.42M	83.23M	98.10M	56.23M	65.14M	62.97M
	Net Debt
103.83M	59.20M	75.30M	15.51M	4.83M	27.10M
	Total Liabilities
806.52M	894.86M	781.76M	636.15M	528.46M	424.39M
	Stockholders Equity
72.39M	87.53M	67.41M	65.27M	58.10M	53.95M
Cash Flow		Free Cash Flow
0.00	14.77M	15.00M	10.74M	7.15M	7.16M
	Operating Cash Flow
0.00	15.02M	15.05M	10.81M	7.33M	7.27M
	Investing Cash Flow
0.00	-136.50M	-173.94M	-134.53M	-91.93M	-37.14M
	Financing Cash Flow
0.00	115.42M	141.27M	105.32M	100.81M	19.23M

PB Financial Corp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 47.62
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 47.62 is below the 20-day moving average (MA) of 47.94, above the 50-day MA of 46.43, and above the 200-day MA of 43.54, indicating a neutral trend. The MACD of 0.34 indicates Positive momentum. The RSI at 52.10 is Neutral, neither overbought nor oversold. The STOCH value of 13.82 is Positive, 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	77 Outperform	$105.14M	8.17	15.18%	4.62%	47.50%	17.61%
MGYR	75 Outperform	$102.89M	11.18	8.11%	1.32%	20.91%	20.30%
PROV	70 Outperform	$102.10M	15.97	5.09%	3.63%	5.62%	-5.99%
Sector *	64 Neutral	$12.79B	9.75	7.54%	16970.99%	12.09%	-7.43%
PBHC	54 Neutral	$93.35M	31.55	2.30%	2.63%	11.12%	―
FNWB	53 Neutral	$83.08M	―	-10.46%	3.18%	10.31%	-557.61%
WMPN	53 Neutral	$113.45M	―	-0.81%	0.97%	2.25%	-261.40%