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PB BANKSHARES INC (PBBK) Stock Fundamental Analysis

USA - NASDAQ:PBBK - US69318V1035 - Common Stock

19.87 USD
+0.14 (+0.71%)
Last: 10/31/2025, 8:06:57 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to PBBK. PBBK was compared to 390 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 valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year PBBK was profitable.
PBBK had a positive operating cash flow in the past year.
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

Looking at the Return On Assets, with a value of 0.47%, PBBK is doing worse than 77.44% of the companies in the same industry.
PBBK has a Return On Equity of 4.37%. This is in the lower half of the industry: PBBK underperforms 79.49% 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's Profit Margin of 16.29% is on the low side compared to the rest of the industry. PBBK is outperformed by 73.33% of its industry peers.
PBBK's Profit Margin has improved in the last couple of years.
PBBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
PBBK has less shares outstanding than it did 1 year ago.
PBBK has less shares outstanding than it did 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

PBBK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC14.69%
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

PBBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 41.32%, which is quite impressive.
The Earnings Per Share has been growing by 22.04% on average over the past years. This is a very strong growth
Looking at the last year, PBBK shows a quite strong growth in Revenue. The Revenue has grown by 12.10% in the last year.
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)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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0

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 21.14 indicates a rather expensive valuation of PBBK.
Compared to the rest of the industry, the Price/Earnings ratio of PBBK indicates a rather expensive valuation: PBBK more expensive than 81.79% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.11, PBBK is valued at the same level.
Industry RankSector Rank
PE 21.14
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

Based on the Price/Free Cash Flow ratio, PBBK is valued a bit more expensive than 74.87% of the companies in the same industry.
Industry RankSector Rank
P/FCF 24.61
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)0.96
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 (10/31/2025, 8:06:57 PM)

19.87

+0.14 (+0.71%)

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 Cap50.67M
Revenue(TTM)13.49M
Net Income(TTM)2.20M
Analysts0
Price TargetN/A
Short Float %0.08%
Short Ratio0.15
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 21.14
Fwd PE N/A
P/S 3.76
P/FCF 24.61
P/OCF 20.16
P/B 1.01
P/tB 1.01
EV/EBITDA N/A
EPS(TTM)0.94
EY4.73%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.81
FCFY4.06%
OCF(TTM)0.99
OCFY4.96%
SpS5.29
BVpS19.74
TBVpS19.74
PEG (NY)N/A
PEG (5Y)0.96
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
WACC14.69%
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%

PB BANKSHARES INC / PBBK FAQ

Can you provide the ChartMill fundamental rating for PB BANKSHARES INC?

ChartMill assigns a fundamental rating of 3 / 10 to PBBK.


What is the valuation status for PBBK stock?

ChartMill assigns a valuation rating of 0 / 10 to PB BANKSHARES INC (PBBK). This can be considered as Overvalued.


Can you provide the profitability details for PB BANKSHARES INC?

PB BANKSHARES INC (PBBK) has a profitability rating of 2 / 10.