PB Financial Corp (PBNC) AI Stock Analysis

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PB Financial Corp

(Other OTC:PBNC)

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Rating:80Outperform

Price Target:$83.00▲(10.73% Upside)

Action:reiterated

Date:08/28/26

The overall score is driven by excellent financial performance, characterized by strong growth, high profitability, and a conservative balance sheet. An attractive valuation with a low P/E and high dividend yield further supports the score. Technical trends are positive but show moderate momentum, which tempers the overall rating slightly.

Positive Factors

Revenue GrowthThe sustained revenue uptrend indicates expanding operating activity and provides a durable base for future earnings. Growth accelerating in 2025 supports continued reinvestment and suggests the bank is increasing its ability to generate income across the business cycle.

Negative Factors

Margin CompressionAlthough current profitability is healthy, the decline from earlier peak margins indicates that earnings conversion is not fully maintaining its historical strength. Continued compression could reduce the benefit of revenue growth and constrain future capital generation or distributions.

PB Financial Corp (PBNC) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $224.21M
Dividend Yield: 3.84%
Average Volume (3M): 1,719
Price to Earnings (P/E): 9.0
Beta (1Y): -0.14
Revenue Growth: 6.24%
EPS Growth: 6.09%
Country: US
Employees: 33
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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, includin...

PB Financial Corp Financial Statement Overview

Summary

Strong financial health with robust revenue growth (29% CAGR), consistent net margins above 20%, a conservative debt-to-equity ratio of 0.35, and growing operating cash flow. Profit margins have moderated slightly from peaks but remain healthy.

Income Statement

88Very Positive

Balance Sheet

92Very Positive

Cash Flow

85Very Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	94.17M	90.08M	79.54M	54.24M	36.74M	28.20M
Gross Profit	57.03M	52.48M	41.77M	30.61M	28.63M	21.77M
EBITDA	33.13M	29.43M	23.01M	18.16M	18.78M	13.10M
Net Income	25.51M	22.83M	16.92M	13.92M	14.25M	9.82M
Balance Sheet
Total Assets	1.56B	1.40B	1.32B	982.39M	849.17M	701.42M
Cash, Cash Equivalents and Short-Term Investments	9.69M	34.61M	138.81M	122.07M	123.14M	124.63M
Total Debt	100.21M	53.12M	60.31M	83.70M	101.74M	59.14M
Total Liabilities	1.40B	1.25B	1.18B	894.86M	781.76M	636.15M
Stockholders Equity	160.82M	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 SentimentPositive

Last Price74.96

Price Trends

50DMA72.51Positive

100DMA71.15Positive

200DMA68.06Positive

Market Momentum

MACD0.52Negative

RSI70.23Negative

STOCH40.49Neutral

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 74.96 is above the 20-day moving average (MA) of 73.04, above the 50-day MA of 72.51, and above the 200-day MA of 68.06, indicating a bullish trend. The MACD of 0.52 indicates Negative momentum. The RSI at 70.23 is Negative, neither overbought nor oversold. The STOCH value of 40.49 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PBNC.

PB Financial Corp Risk Analysis

PB Financial Corp disclosed 55 risk factors in its most recent earnings report. PB Financial Corp reported the most risks in the "Finance & Corporate" category.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

0 New Risks

PB Financial Corp Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

PBNC against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PBNC	80Outperform	$227.49M	9.02	16.27%	3.84%	6.24%	6.09%
SFBC	70Outperform	$116.66M	13.28	7.76%	1.85%	0.49%	26.58%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SRBK	63Neutral	$135.33M	36.92	2.02%	1.17%	9.63%	37.01%
UNB	63Neutral	$112.39M	8.68	15.07%	6.31%	6.11%	5.22%
BSBK	57Neutral	$118.58M	43.18	1.84%	―	20.94%	444.24%
RVSB	49Neutral	$128.30M	-44.47	-2.02%	1.24%	-10.03%	-162.70%

* Financial Sector Average

Performance Comparison

PBNC and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
PBNC	Pb Financial Corporation	74.96	22.27	42.27%
RVSB	Riverview	6.47	1.24	23.66%
UNB	Union Bankshares, Inc.	22.84	2.38	11.64%
SFBC	Sound Financial Bancorp, Inc.	45.50	1.57	3.57%
BSBK	Bogota Financial Corp.	9.34	0.98	11.72%
SRBK	SR Bancorp, Inc.	18.83	3.87	25.84%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Nov 07, 2026

PB Financial Corp AI Stock Analysis