PB BANKSHARES INC (PBBK) Fundamental Analysis & Valuation

NASDAQ:PBBK • US69318V1035

Current stock price

19.81 USD
-1.34 (-6.34%)
At close:
19.81 USD
0 (0%)
After Hours:

This PBBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. PBBK Profitability Analysis

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.
  • PBBK had a positive operating cash flow in each of the past 5 years.
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 0.51%, PBBK is not doing good in the industry: 77.26% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of 4.50%, PBBK is doing worse than 79.59% of the companies in the same industry.
Industry RankSector Rank
ROA 0.51%
ROE 4.5%
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

  • Looking at the Profit Margin, with a value of 16.51%, PBBK is doing worse than 73.39% of the companies in the same industry.
  • 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) 16.51%
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. PBBK Health Analysis

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 5 years ago, PBBK has less shares outstanding
  • 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.
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
WACC14.73%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. PBBK Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 55.58% over the past year.
  • Measured over the past years, PBBK shows a very strong growth in Earnings Per Share. The EPS has been growing by 22.04% on average per year.
  • The Revenue has grown by 17.69% in the past year. This is quite good.
  • 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)55.58%
EPS 3Y39.38%
EPS 5Y22.04%
EPS Q2Q%23.36%
Revenue 1Y (TTM)17.69%
Revenue growth 3Y12.78%
Revenue growth 5Y10.47%
Sales Q2Q%16.77%

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. PBBK Valuation Analysis

4.1 Price/Earnings Ratio

  • PBBK is valuated rather expensively with a Price/Earnings ratio of 20.21.
  • Compared to the rest of the industry, the Price/Earnings ratio of PBBK indicates a rather expensive valuation: PBBK more expensive than 80.88% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of PBBK to the average of the S&P500 Index (26.91), we can say PBBK is valued slightly cheaper.
Industry RankSector Rank
PE 20.21
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 75.71% of the companies in the same industry.
Industry RankSector Rank
P/FCF 23.46
EV/EBITDA N/A
PBBK Per share dataPBBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. PBBK Dividend Analysis

5.1 Amount

  • No dividends for PBBK!.
Industry RankSector Rank
Dividend Yield 0%

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PBBK Fundamentals: All Metrics, Ratios and Statistics

PB BANKSHARES INC

NASDAQ:PBBK (1/2/2026, 8:00:02 PM)

After market: 19.81 0 (0%)

19.81

-1.34 (-6.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength73.91
Industry Growth92.55
Earnings (Last)11-14
Earnings (Next)03-26
Inst Owners36.71%
Inst Owner Change-10.83%
Ins Owners14.02%
Ins Owner Change-261.78%
Market Cap50.52M
Revenue(TTM)14.01M
Net Income(TTM)2.31M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
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 20.21
Fwd PE N/A
P/S 3.61
P/FCF 23.46
P/OCF 19.43
P/B 0.98
P/tB 0.98
EV/EBITDA N/A
EPS(TTM)0.98
EY4.95%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.84
FCFY4.26%
OCF(TTM)1.02
OCFY5.15%
SpS5.49
BVpS20.14
TBVpS20.14
PEG (NY)N/A
PEG (5Y)0.92
Graham Number21.0728 (6.37%)
Profitability
Industry RankSector Rank
ROA 0.51%
ROE 4.5%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.51%
GM N/A
FCFM 15.37%
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 105.43%
Cap/Sales 3.19%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 93.08%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC14.73%
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)55.58%
EPS 3Y39.38%
EPS 5Y22.04%
EPS Q2Q%23.36%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.69%
Revenue growth 3Y12.78%
Revenue growth 5Y10.47%
Sales Q2Q%16.77%
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-37.23%
FCF growth 3Y1.38%
FCF growth 5Y1.27%
OCF growth 1Y-37.05%
OCF growth 3Y9.38%
OCF growth 5Y4.21%

PB BANKSHARES INC / PBBK Fundamental Analysis 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 of PB BANKSHARES INC (PBBK) stock?

ChartMill assigns a valuation rating of 1 / 10 to PB BANKSHARES INC (PBBK). This can be considered as Overvalued.


What is the profitability of PBBK stock?

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


Can you provide the financial health for PBBK stock?

The financial health rating of PB BANKSHARES INC (PBBK) is 5 / 10.