OTC · Banks - Regional

PB Financial Corporation (PBNC) Stock

$70.00 +0.00% OTC: PBNC Financial Services

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).

Valuation

MetricValue
Price$70.00
Market Cap$154.53M
P/E Ratio8.04
P/B Ratio1.46
P/S Ratio1.86
EPS (TTM)$8.71
52-Week High$78.93
52-Week Low$49.51
Dividend Yield3.60%

Financials & Margins

MetricValue
ROE16.03%
ROA1.63%
ROCE2.49%
Gross Margin67.02%
Operating Margin45.45%
Net Margin29.69%
Debt/Equity0.34
Current Ratio0.03

Annual Financials (USD)

Metric20212022202320242025
Revenue$28.0M$37.0M$54.0M$80.0M$90.0M
Operating Profit$13.0M$18.0M$18.0M$23.0M$29.0M
Net Profit$10.0M$14.0M$14.0M$17.0M$23.0M
EPS$4.35$6.23$5.77$5.52$7.07
Op Margin44.7%49.8%33.0%28.9%32.7%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$701.0M$849.0M$982.0M$1.3B$1.4B
Total Liabilities$636.0M$782.0M$895.0M$1.2B$1.3B
Cash$41.0M$23.0M$24.0M$15.0M$35.0M
Borrowings$59.0M$102.0M$84.0M$60.0M$53.0M

Latest News

PB Financial Corporation Declares Third-Quarter, 2026 Dividend ACCESS Newswire · Jul 8, 2026 PB Financial Corporation Reports Record Second Quarter 2026 Earnings ACCESS Newswire · Jul 7, 2026 PB Financial Corporation Declares Second-Quarter, 2026 Dividend ACCESS Newswire · Apr 24, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$11.0M$15.0M$15.0M$17.0M$24.0M
Investing Cash Flow$-135.0M$-174.0M$-137.0M$-113.0M$-67.0M
Financing Cash Flow$117.0M$101.0M$130.0M$110.0M$70.0M
Net Cash Flow$-18.0M$-18.0M$-6.0M$0$0
Free Cash Flow$11.0M$15.0M$15.0M$16.0M$24.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.22
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y46.72%
Return 3Y102.35%
Return 5Y142.42%

Ownership

Insiders Held0.00%
Institutions Held0.24%
Institutions Float Held0.24%
Institutional HolderSharesReport Date
PL Capital Advisors, LLC7,1022026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
CBBICBB Bancorp, Inc. $13.30 +0.38% 7.31 $140.82M 3.76%
CNBPCornerstone Bancorp Inc. $119.99 +0.00% 10.51 $118.16M 2.29%
KISBKish Bancorp, Inc. $74.00 +5.10% 11.21 $223.56M 2.38%
PBNKPinnacle Bank $18.00 +1.98% 22.00 $106.72M 0.00%
PFLCPacific Financial Corporation $17.95 +0.96% 14.59 $179.93M 3.34%

About PB Financial Corporation

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.

PB Financial Corporation is headquartered in US.

PB Financial Corporation (PBNC) stock trades at $70.00 with a market capitalization of $154.53M. The stock is valued at a price-to-earnings (P/E) ratio of 8.04, price-to-book of 1.46, price-to-sales of 1.86. Over the past 52 weeks the stock has ranged between $49.51 and $78.93, and currently trades 11.3% below its 52-week high. It pays a dividend yielding 3.60%.

On profitability, PB Financial Corporation generates a return on equity (ROE) of 16.03%, above the typical market average, return on capital employed of 2.49%, an operating margin of 45.45%, a net profit margin of 29.69%.

Official website: www.pbknc.com

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