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PB BANKSHARES INC (PBBK) Stock Fundamental Analysis

USA - NASDAQ:PBBK - US69318V1035 - Common Stock

19.42 USD
+0.47 (+2.5%)
Last: 10/23/2025, 1:24:07 PM
Fundamental Rating

3

Overall PBBK gets a fundamental rating of 3 out of 10. We evaluated PBBK against 391 industry peers in the Banks industry. PBBK scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. PBBK is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

PBBK had positive earnings in the past year.
PBBK had a positive operating cash flow in the past year.
Of the past 5 years PBBK 4 years were profitable.
Each year in the past 5 years PBBK had a positive operating cash flow.
PBBK Yearly Net Income VS EBIT VS OCF VS FCFPBBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 1M 2M 3M

1.2 Ratios

With a Return On Assets value of 0.47%, PBBK is not doing good in the industry: 75.70% of the companies in the same industry are doing better.
PBBK has a worse Return On Equity (4.37%) than 79.03% of its industry peers.
Industry RankSector Rank
ROA 0.47%
ROE 4.37%
ROIC N/A
ROA(3y)0.46%
ROA(5y)0.29%
ROE(3y)4.1%
ROE(5y)2.43%
ROIC(3y)N/A
ROIC(5y)N/A
PBBK Yearly ROA, ROE, ROICPBBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 2 4

1.3 Margins

PBBK has a worse Profit Margin (16.29%) than 72.63% of its industry peers.
In the last couple of years the Profit Margin of PBBK has grown nicely.
The Operating Margin and Gross Margin are not available for PBBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 16.29%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y16.07%
PM growth 5Y6.66%
GM growth 3YN/A
GM growth 5YN/A
PBBK Yearly Profit, Operating, Gross MarginsPBBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

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5

2. Health

2.1 Basic Checks

PBBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PBBK has less shares outstanding
The number of shares outstanding for PBBK has been reduced compared to 5 years ago.
PBBK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
PBBK Yearly Shares OutstandingPBBK Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 500K 1M 1.5M 2M 2.5M
PBBK Yearly Total Debt VS Total AssetsPBBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.2 Solvency

There is no outstanding debt for PBBK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC14.77%
PBBK Yearly LT Debt VS Equity VS FCFPBBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 10M 20M 30M 40M 50M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PBBK Yearly Current Assets VS Current LiabilitesPBBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2M 4M 6M

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 41.32% over the past year.
The Earnings Per Share has been growing by 22.04% on average over the past years. This is a very strong growth
The Revenue has grown by 12.10% in the past year. This is quite good.
Measured over the past years, PBBK shows a quite strong growth in Revenue. The Revenue has been growing by 10.47% on average per year.
EPS 1Y (TTM)41.32%
EPS 3Y39.38%
EPS 5Y22.04%
EPS Q2Q%70.13%
Revenue 1Y (TTM)12.1%
Revenue growth 3Y12.78%
Revenue growth 5Y10.47%
Sales Q2Q%19.42%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
PBBK Yearly Revenue VS EstimatesPBBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M

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1

4. Valuation

4.1 Price/Earnings Ratio

PBBK is valuated rather expensively with a Price/Earnings ratio of 20.66.
Based on the Price/Earnings ratio, PBBK is valued more expensive than 80.82% of the companies in the same industry.
PBBK is valuated rather cheaply when we compare the Price/Earnings ratio to 27.57, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 20.66
Fwd PE N/A
PBBK Price Earnings VS Forward Price EarningsPBBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

74.42% of the companies in the same industry are cheaper than PBBK, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 24.05
EV/EBITDA N/A
PBBK Per share dataPBBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.94
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for PBBK!.
Industry RankSector Rank
Dividend Yield N/A

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PB BANKSHARES INC

NASDAQ:PBBK (10/23/2025, 1:24:07 PM)

19.42

+0.47 (+2.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23
Earnings (Next)11-13 2025-11-13
Inst Owners26.03%
Inst Owner Change0%
Ins Owners10.72%
Ins Owner Change1.18%
Market Cap49.52M
Revenue(TTM)13.49M
Net Income(TTM)2.20M
Analysts0
Price TargetN/A
Short Float %0.2%
Short Ratio0.31
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 20.66
Fwd PE N/A
P/S 3.67
P/FCF 24.05
P/OCF 19.71
P/B 0.98
P/tB 0.98
EV/EBITDA N/A
EPS(TTM)0.94
EY4.84%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.81
FCFY4.16%
OCF(TTM)0.99
OCFY5.07%
SpS5.29
BVpS19.74
TBVpS19.74
PEG (NY)N/A
PEG (5Y)0.94
Graham Number20.43
Profitability
Industry RankSector Rank
ROA 0.47%
ROE 4.37%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.29%
GM N/A
FCFM 15.26%
ROA(3y)0.46%
ROA(5y)0.29%
ROE(3y)4.1%
ROE(5y)2.43%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y16.07%
PM growth 5Y6.66%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 111.55%
Cap/Sales 3.37%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 93.68%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC14.77%
ROIC/WACCN/A
Cap/Depr(3y)118.56%
Cap/Depr(5y)138.03%
Cap/Sales(3y)3.09%
Cap/Sales(5y)3.77%
Profit Quality(3y)134.22%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)41.32%
EPS 3Y39.38%
EPS 5Y22.04%
EPS Q2Q%70.13%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.1%
Revenue growth 3Y12.78%
Revenue growth 5Y10.47%
Sales Q2Q%19.42%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-51.78%
FCF growth 3Y1.38%
FCF growth 5Y1.27%
OCF growth 1Y-49.33%
OCF growth 3Y9.38%
OCF growth 5Y4.21%