NASDAQ · Banks - Regional

PBFS (PBFS) Stock

$17.31 +0.82% NASDAQ: PBFS Financial Services

Valuation

MetricValue
Price$17.31
Market Cap$434.08M
P/E Ratio19.75
P/B Ratio1.20
P/S Ratio2.89
EPS (TTM)$0.76
52-Week High$17.99
52-Week Low$11.40
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE6.05%
ROA0.91%
ROCE10.51%
Gross Margin37.50%
Operating Margin37.50%
Net Margin15.32%
Debt/Equity0.00
Current Ratio0.24

Annual Financials (USD)

Metric20212022202320242025
Revenue$60.0M$58.0M$85.0M$99.0M$88.0M
Operating Profit$3.0M$13.0M$28.0M$19.0M$33.0M
Net Profit$1.0M$10.0M$22.0M$15.0M$19.0M
EPS$0.04$0.41$0.87$0.61$0.76
Op Margin4.5%23.0%32.7%19.7%37.3%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.8B$2.0B$1.9B$1.9B$2.1B
Total Liabilities$1.6B$1.7B$1.6B$1.6B$1.8B
Cash$325.0M$373.0M$148.0M$152.0M$119.0M
Borrowings$0$0$0$0$0

Latest News

PBFS's Valuation Remains Premium: Is It Worth Overpaying for? Zacks · Jul 1, 2026 Zacks Initiates Coverage of PBFS With Neutral Recommendation Zacks · May 28, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$33.0M$50.0M$26.0M$24.0M$34.0M
Investing Cash Flow$-126.0M$-149.0M$-115.0M$-19.0M$-313.0M
Financing Cash Flow$261.0M$149.0M$-137.0M$9.0M$141.0M
Net Cash Flow$168.0M$51.0M$-226.0M$15.0M$15.0M
Free Cash Flow$32.0M$49.0M$26.0M$23.0M$32.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y37.03%
Return 3Y77.78%
Return 5Y45.59%

Ownership

Insiders Held58.77%
Institutions Held23.63%
Institutions Float Held57.30%
Institutional HolderSharesReport Date
M3F, Inc.2,071,9732026-03-31
Blackrock Inc.602,1422026-03-31
Vanguard Capital Management LLC525,6732026-03-31
Alliancebernstein L.P.508,9812026-03-31
Private Capital Management, LLC354,8392026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BWFG $63.58 +2.20% 11.52 $506.93M 1.54%
FMAO $34.44 +10.38% 7.72 $474.18M 3.35%
MSBI $33.84 -0.76% -4.32 $701.50M 4.81%
MVBF $29.14 +0.14% 12.54 $374.45M 2.67%
OBT $37.68 -0.03% 10.11 $505.21M 1.82%

About PBFS

PBFS is led by CEO Thomas L. Amell, employs 268 people, headquartered in US, publicly traded since 2019.

PBFS stock trades at $17.31 with a market capitalization of $434.08M. The stock is valued at a price-to-earnings (P/E) ratio of 19.75, price-to-book of 1.20, price-to-sales of 2.89. Over the past 52 weeks the stock has ranged between $11.40 and $17.99, and currently trades 3.8% below its 52-week high.

On profitability, PBFS generates a return on equity (ROE) of 6.05%, return on capital employed of 10.51%, an operating margin of 37.50%, a net profit margin of 15.32%.

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