PB Financial Corporation

PB Financial Corporation

PBNC
PB Financial CorporationUS flagOther OTC
68.50
USD
- -
- -
151.22MMarket Cap
PB Financial Corporation
PBNC
(Other OTC)

Recent

price

68.50

P/E

ratio

- -

div

yld

- -

ROIC.AI

2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
7.09
8.13
8.38
10.35
13.13
13.57
15.88
18.42
14.21
Revenue per Share
2.57
3.25
3.09
4.47
6.42
5.98
5.74
7.51
5.81
Basic EPS, GAAP
2.39
3.27
3.25
4.89
6.76
6.35
5.94
8.32
- -
Free Cash Flow per Basic Share
0.49
0.63
0.84
1.01
1.24
1.9
2.52
2.84
- -
Dividend per Share
8.64
11.35
13.55
17.06
22.07
25.25
25.1
29.19
30.1
Book Value per Share
19.49
22.74
24.54
27.88
28.53
35.88
38.52
43.62
43.05
Tangible Book Value per Share
2
2
2
2
2
2
3
3
3
Basic Weighted Avg Shares
16
18
18
23
29
32
44
53
41
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
1
1
- -
- -
- -
1
1
- -
Depreciation Expense
6
7
7
10
14
14
17
23
18
Net Income, GAAP
23.43
22.07
22.09
22.1
22.1
22.2
23.36
22.44
22.23
Effective Tax Rate (%)
36.26
39.93
36.92
43.19
48.88
44.09
38.69
43.15
43.21
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
16
52
57
46
33
73
53
48
48
LT Debt
47
54
58
65
67
88
133
153
155
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
32.36
24.87
29.18
32.97
25.83
24.74
28.21
38.62
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
5
- -
LT Borrowings
- -
48
48
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
18
18
Shares Outstanding
3
3
3
Market Capitalization
148
159
187

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
31
45
Accounts Receivable, Net
- -
5
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
2
- -
ST Debt
- -
5
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
22.52%
14.85%
Free Cash Flow
- -
29.03%
46.04%
Net Income, GAAP
- -
28.7%
34.93%
Sales/Revenue/Turnover
- -
23.86%
20.99%
Total Cash Common Dividend
- -
31.1%
18.2%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
8
12
12
12
44
2025
12
13
- -
14
53
2026
14
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.3
1.46
1.6
1.37
5.74
2025
1.64
1.78
- -
2.1
7.51
2026
1.93
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
2.52
2025
- -
- -
- -
- -
2.84
2026
- -
- -
- -
- -
- -
Business
PB Financial Corporation (PBNC) is a financial holding company for Providence Bank, a state-chartered community bank that provides commercial and retail banking products and services primarily in North Carolina; the company offers checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts; personal loans, home equity lines of credit, advantage lines of credit, and mortgage lending products; business loans for purchasing land and buildings, making leasehold improvements, refinancing debt, accessing working capital, investing in property, and buying machinery, equipment, and vehicles; debit and credit cards; online and mobile banking services; and cash management services including ACH transactions, remote deposit capture, account sweep, and merchant services. Founded in 2006 and headquartered at 450 North Winstead Avenue in Rocky Mount, North Carolina, PB Financial Corporation operates through Providence Bank branches in Rocky Mount (two locations), Tarboro, Nashville, Wilson, Raleigh, Jacksonville, Holly Ridge, Morehead City, Richlands, and a loan production office in New Bern. The company targets individuals, small businesses, and commercial clients in the regional banking sector, with total assets of $1.391 billion, deposits of $1.179 billion, and gross loans of $1.181 billion as of September 30, 2025. In recent developments, PB Financial Corporation completed its strategic merger with Coastal Bank & Trust, which has driven efficiency gains, record third-quarter 2025 earnings of $5.71 million (up 24.21% year-over-year), and its 55th consecutive quarterly dividend increase to $0.59 per share paid on August 22, 2025; the company was also named to the 2025 OTCQX Best 50 list for top performance.

Company News

APIChatGPT
  • PB Financial Corporation Reports First Quarter 2026 Earnings

  • Providence Bank Named One of the Nation's Top 100 Community Banks

  • PB Financial Corporation Declares First-quarter, 2026 Dividend

  • PB Financial Corporation Declares One-Time Special Cash Dividend Following Record 2025 Financial Results

  • PB Financial Corporation Reports Record Earnings for Both the Fourth Quarter and the Year 2025

  • PB Financial Corporation Declares Fourth-Quarter, 2025 Dividend

  • PB Financial Corporation Reports Record Third Quarter 2025 Earnings

  • PB Financial Corporation Declares Third-Quarter, 2025 Dividend

  • PB Financial Corporation Reports Record Second Quarter 2025 Earnings

  • PB Financial Corporation Declares Second-Quarter, 2025 Dividend

  • PB Financial Corporation Reports Record First Quarter 2025 Earnings

  • PB Financial Corporation Declares First-Quarter, 2025 Dividend

  • PB Financial Corporation Reports Earnings For Both The Fourth Quarter And The Year 2024

  • PB Financial Corporation Named to 2025 OTCQX Best 50

  • PB Financial Corporation Reports Record Third Quarter 2024 Earnings

  • PB Financial Corporation Declares Third-Quarter, 2024 Dividend

  • PB Financial Corporation Reports Second Quarter 2024 Earnings

  • Dr. Vanessa J. Ervin Joins PB Financial Corporation and Providence Bank Board of Directors

  • PB Financial Corporation Declares Second-Quarter, 2024 Dividend

  • PB Financial Corporation Reports First Quarter 2024 Earnings