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PB BANKSHARES INC (PBBK) Stock Fundamental Analysis

NASDAQ:PBBK - US69318V1035 - Common Stock

19.13 USD
-0.52 (-2.65%)
Last: 9/8/2025, 12:04:33 PM
Fundamental Rating

3

Taking everything into account, PBBK scores 3 out of 10 in our fundamental rating. PBBK was compared to 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. While showing a medium growth rate, PBBK is valued expensive at the moment.


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.
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

With a Return On Assets value of 0.47%, PBBK is not doing good in the industry: 75.19% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 4.37%, PBBK is doing worse than 78.77% of the companies in the same industry.
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 Profit Margin of 16.29%. This is in the lower half of the industry: PBBK underperforms 72.38% 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
WACC14.99%
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.
PBBK shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.04% yearly.
PBBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.10%.
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

With a Price/Earnings ratio of 20.35, PBBK is valued on the expensive side.
Based on the Price/Earnings ratio, PBBK is valued expensively inside the industry as 80.82% of the companies are valued cheaper.
The average S&P500 Price/Earnings ratio is at 27.06. PBBK is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 20.35
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

73.40% of the companies in the same industry are cheaper than PBBK, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 23.69
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)0.92
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 (9/8/2025, 12:04:33 PM)

19.13

-0.52 (-2.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23
Earnings (Next)11-13 2025-11-13
Inst Owners17.88%
Inst Owner Change18.66%
Ins Owners10.72%
Ins Owner Change1.18%
Market Cap48.78M
Analysts0
Price TargetN/A
Short Float %0.18%
Short Ratio0.18
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 20.35
Fwd PE N/A
P/S 3.62
P/FCF 23.69
P/OCF 19.41
P/B 0.97
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)0.94
EY4.91%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.81
FCFY4.22%
OCF(TTM)0.99
OCFY5.15%
SpS5.29
BVpS19.74
TBVpS19.74
PEG (NY)N/A
PEG (5Y)0.92
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
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 3Y16.07%
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
WACC14.99%
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%