PB BANKSHARES INC (PBBK)

US69318V1035 - Common Stock

12.5  +0.2 (+1.63%)

Fundamental Rating

1

Overall PBBK gets a fundamental rating of 1 out of 10. We evaluated PBBK against 412 industry peers in the Banks industry. PBBK has a bad profitability rating. Also its financial health evaluation is rather negative. PBBK is valued expensive and it does not seem to be growing.



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1. Profitability

1.1 Basic Checks

In the past year PBBK was profitable.
PBBK had a positive operating cash flow in the past year.
Of the past 5 years PBBK 4 years were profitable.
In the past 5 years PBBK always reported a positive cash flow from operatings.

1.2 Ratios

The Return On Assets of PBBK (0.44%) is worse than 81.31% of its industry peers.
PBBK has a worse Return On Equity (4.08%) than 82.52% of its industry peers.
Industry RankSector Rank
ROA 0.44%
ROE 4.08%
ROIC N/A
ROA(3y)0.41%
ROA(5y)0.29%
ROE(3y)3.47%
ROE(5y)2.4%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

PBBK's Profit Margin of 14.87% is on the low side compared to the rest of the industry. PBBK is outperformed by 80.58% of its industry peers.
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) 14.87%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A

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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
Compared to 1 year ago, PBBK has a worse debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of PBBK is 17.00, which is on the high side as it means it would take PBBK, 17.00 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 17.00, PBBK is doing worse than 82.77% of the companies in the same industry.
PBBK has a Debt/Equity ratio of 1.17. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.17, PBBK is not doing good in the industry: 86.65% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.17
Debt/FCF 17
Altman-Z N/A
ROIC/WACCN/A
WACC12.27%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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3

3. Growth

3.1 Past

The earnings per share for PBBK have decreased strongly by -17.43% in the last year.
PBBK shows a small growth in Revenue. In the last year, the Revenue has grown by 5.12%.
The Revenue has been growing by 21.06% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-17.43%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q-70.54%
Revenue 1Y (TTM)5.12%
Revenue growth 3Y21.06%
Revenue growth 5YN/A
Revenue growth Q2Q-28.19%

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.

More info and screens

1

4. Valuation

4.1 Price/Earnings Ratio

PBBK is valuated correctly with a Price/Earnings ratio of 16.23.
Compared to the rest of the industry, the Price/Earnings ratio of PBBK indicates a rather expensive valuation: PBBK more expensive than 80.10% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of PBBK to the average of the S&P500 Index (28.02), we can say PBBK is valued slightly cheaper.
Industry RankSector Rank
PE 16.23
Fwd PE N/A

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as PBBK.
Industry RankSector Rank
P/FCF 10.14
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
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 (5/7/2024, 3:00:15 PM)

12.5

+0.2 (+1.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap32.88M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 16.23
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.44%
ROE 4.08%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 14.87%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 1.17
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-17.43%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)5.12%
Revenue growth 3Y21.06%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y