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PB BANKSHARES INC (PBBK) Stock Fundamental Analysis

NASDAQ:PBBK - Nasdaq - US69318V1035 - Common Stock - Currency: USD

18.34  -0.02 (-0.08%)

Fundamental Rating

3

Overall PBBK gets a fundamental rating of 3 out of 10. We evaluated PBBK against 396 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 has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year PBBK was profitable.
In the past year PBBK had a positive cash flow from operations.
PBBK had positive earnings in 4 of the past 5 years.
In the past 5 years PBBK always reported a positive cash flow from operatings.
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

PBBK's Return On Assets of 0.39% is on the low side compared to the rest of the industry. PBBK is outperformed by 80.81% of its industry peers.
PBBK has a Return On Equity of 3.61%. This is amonst the worse of the industry: PBBK underperforms 82.58% of its industry peers.
Industry RankSector Rank
ROA 0.39%
ROE 3.61%
ROIC N/A
ROA(3y)0.46%
ROA(5y)0.29%
ROE(3y)4.09%
ROE(5y)2.42%
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 (14.27%) than 78.03% of its industry peers.
PBBK's Profit Margin has improved in the last couple of years.
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) 14.27%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y16.03%
PM growth 5Y6.64%
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.
The number of shares outstanding for PBBK has been reduced compared to 1 year ago.
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
WACC15.09%
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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3

3. Growth

3.1 Past

PBBK shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.03%.
PBBK shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.10% yearly.
PBBK shows a decrease in Revenue. In the last year, the revenue decreased by -3.89%.
PBBK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.47% yearly.
EPS 1Y (TTM)-1.03%
EPS 3Y39.49%
EPS 5Y22.1%
EPS Q2Q%72.72%
Revenue 1Y (TTM)-3.89%
Revenue growth 3Y12.78%
Revenue growth 5Y10.47%
Sales Q2Q%16.72%

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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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 24.13 indicates a rather expensive valuation of PBBK.
82.32% of the companies in the same industry are cheaper than PBBK, based on the Price/Earnings ratio.
PBBK is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.53, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 24.13
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of PBBK indicates a rather expensive valuation: PBBK more expensive than 80.30% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 32.48
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)1.09
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

PBBK does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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PB BANKSHARES INC

NASDAQ:PBBK (7/22/2025, 8:00:02 PM)

18.34

-0.02 (-0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)02-21 2022-02-21
Inst Owners11.44%
Inst Owner Change0%
Ins Owners10.64%
Ins Owner Change0%
Market Cap46.77M
Analysts0
Price TargetN/A
Short Float %0.22%
Short Ratio0.32
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 24.13
Fwd PE N/A
P/S 3.77
P/FCF 32.48
P/OCF 25.7
P/B 0.97
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)0.76
EY4.14%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.56
FCFY3.08%
OCF(TTM)0.71
OCFY3.89%
SpS4.87
BVpS18.82
TBVpS18.82
PEG (NY)N/A
PEG (5Y)1.09
Profitability
Industry RankSector Rank
ROA 0.39%
ROE 3.61%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.27%
GM N/A
FCFM 11.61%
ROA(3y)0.46%
ROA(5y)0.29%
ROE(3y)4.09%
ROE(5y)2.42%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y16.03%
PM growth 5Y6.64%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 105.56%
Cap/Sales 3.06%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 81.36%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.09%
ROIC/WACCN/A
Cap/Depr(3y)117.07%
Cap/Depr(5y)137.14%
Cap/Sales(3y)3.08%
Cap/Sales(5y)3.77%
Profit Quality(3y)134.24%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-1.03%
EPS 3Y39.49%
EPS 5Y22.1%
EPS Q2Q%72.72%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.89%
Revenue growth 3Y12.78%
Revenue growth 5Y10.47%
Sales Q2Q%16.72%
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-55.56%
FCF growth 3Y1.43%
FCF growth 5Y1.3%
OCF growth 1Y-53.09%
OCF growth 3Y9.4%
OCF growth 5Y4.22%