PB Financial Corporation

PBNC

PBNCPB Financial Corporation US flag

Other OTC

70.00

USD

+1.20

- -

154.53MMarket Cap

Income Statement (USD)

API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	16	18	18	23	29	32	44	53
+ Sales & Services Revenue	16	18	18	23	29	32	44	53
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	5	5	5	6	7	8	12	14
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-5	-5	-5	-6	-7	-8	-12	-14
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-7	-9	-9	-13	-18	-18	-22	-29
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-7	-9	-9	-13	-18	-18	-22	-29
Pretax Income	7	9	9	13	18	18	22	29
- Income Tax Expense (Benefit)	2	2	2	3	4	4	5	7
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	6	7	7	10	14	14	17	23
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	6	7	7	10	14	14	17	23
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	6	7	7	10	14	14	17	23
- Preferred Dividends	- -	- -	- -	- -	- -	- -	1	1
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	6	7	7	10	14	14	16	22
EBIT	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	- -	1	1	- -	- -	- -	1	1
EBITDA Margin (%)	2.52	2.99	2.75	2.16	1.66	0.85	2.05	1.55
EBITA	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	36.26	39.93	36.92	43.19	48.88	44.09	38.69	43.15
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.49	0.63	0.84	1.01	1.24	1.9	2.52	2.84
Depreciation Expense	- -	1	1	- -	- -	- -	1	1
Basic Weighted Avg Shares	2	2	2	2	2	2	3	3
Basic EPS, GAAP	2.57	3.25	3.09	4.47	6.42	5.98	5.74	7.51
Basic EPS from Cont Ops	2.57	3.25	3.09	4.47	6.42	5.98	6.14	7.95
Diluted Weighted Avg Shares	2	2	2	2	2	2	3	3
Diluted EPS, GAAP	2.57	3.2	3.03	4.35	6.23	5.77	5.52	7.11
Diluted EPS from Cont Ops	2.57	3.2	3.03	4.35	6.23	5.77	5.9	7.52

Balance Sheet (USD)

API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	69	56	93	125	123	122	139	31
+ Cash & Cash Equivalents	55	36	60	41	23	24	25	25
+ ST Investments	14	20	33	84	100	98	114	6
+ Accounts & Notes Receiv	1	1	2	2	3	4	5	5
+ Accounts Receivable, Net	1	1	2	2	3	4	5	5
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-70	-57	-94	-127	-126	-126	-144	-36
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	3	2	2	2	2	2	4	4
+ Property, Plant & Equip	4	3	4	4	4	4	5	6
- Accumulated Depreciation	1	1	1	1	1	1	1	2
+ LT Investments & Receivables	14	20	33	84	100	98	114	143
+ LT Investments	14	20	33	84	100	98	114	143
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-18	-22	-35	-86	-103	-100	-118	-147
+ Total Intangible Assets	4	4	4	4	4	4	9	10
+ Goodwill	4	4	4	4	4	4	9	10
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-22	-26	-39	-90	-107	-105	-127	-157
Total Assets	451	479	587	701	849	982	1,317	1,405
+ Payables & Accruals	- -	- -	1	- -	1	2	3	2
+ Accounts Payable	- -	- -	1	- -	1	2	3	2
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	32	11	8	10	65	10	5	5
+ ST Borrowings	32	11	8	10	65	10	5	5
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-32	-11	-9	-10	-66	-12	-8	-7
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-32	-11	-9	-10	-66	-12	-8	-7
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	16	52	57	46	33	73	53	48
+ LT Borrowings	16	52	57	46	33	73	53	48
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-16	-52	-57	-46	-33	-73	-53	-48
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-16	-52	-57	-46	-33	-73	-53	-48
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	404	425	528	636	782	895	1,184	1,252
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	18	18
+ Share Capital & APIC	30	31	30	30	31	41	58	59
+ Common Stock	2	2	2	2	2	2	3	3
+ Additional Paid in Capital	28	29	28	28	29	38	55	56
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	17	23	28	35	47	56	66	81
+ Other Equity	- -	- -	- -	- -	-11	-9	-9	-5
Equity Before Minority Interest	47	54	58	65	67	88	133	153
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	47	54	58	65	67	88	133	153
Total Liabilities & Equity	451	479	587	701	849	982	1,317	1,405
Shares Outstanding	2	2	2	2	2	2	3	3
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	-6	27	5	16	75	59	34	29
Net Debt to Equity	-13.69	50.23	8.31	23.77	111.7	67.64	25.22	18.67
Tangible Common Equity Ratio	9.64	10.51	9.28	8.78	7.5	8.53	8.11	8.98
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	6	7	7	10	14	14	17	23
+ Depreciation & Amortization	- -	1	1	- -	- -	- -	1	1
+ Non-Cash Items	- -	- -	- -	- -	1	1	- -	-2
+ Stock-Based Compensation	- -	- -	- -	- -	- -	1	1	1
+ Deferred Income Taxes	- -	- -	- -	- -	- -	-1	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	-1	- -	- -	- -	- -	1	-1	-3
+ Chg in Non-Cash Work Cap	- -	- -	- -	- -	- -	- -	-1	2
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	-1	-1	-1	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	1	1	1	1
+ Inc (Dec) in Other	- -	- -	- -	- -	- -	- -	-2	2
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	6	7	7	11	15	15	17	24
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	1	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	1	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	- -	- -	- -	- -	- -	-1	- -
+ Acq of Fixed Prod Assets	-1	- -	- -	- -	- -	- -	-1	- -
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	1	- -	-1	- -	- -	8	-1	-1
+ Increase in Capital Stock	1	- -	- -	- -	- -	8	- -	- -
+ Decrease in Capital Stock	- -	- -	-1	- -	- -	- -	-1	-1
+ Net Change in LT Investment	-3	-6	-12	-52	-30	4	7	-24
+ Dec in LT Investment	4	6	21	5	7	11	20	28
+ Inc in LT Investment	-7	-12	-34	-57	-37	-7	-13	-51
+ Net Cash From Acq & Div	-4	- -	- -	- -	- -	- -	5	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	5	- -
+ Cash for Acq of Subs	-4	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-34	-32	-79	-82	-144	-140	-125	-43
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-42	-37	-92	-135	-174	-137	-113	-67
+ Dividends Paid	-1	-1	-2	-2	-3	-4	-7	-8
+ Net Cash From Debt	26	15	2	-9	43	-18	-25	-5
+ Cash From Debt	76	52	33	10	227	357	100	33
+ Repayments of Debt	-50	-37	-31	-19	-184	-375	-125	-38
+ Other Financing Activities	8	6	102	117	102	130	129	72
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	34	19	101	105	141	115	96	58
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-2	-11	16	-18	-18	-6	- -	15
EBITDA	- -	1	1	- -	- -	- -	1	1
EBITDA Margin (%)	2.52	2.99	2.75	2.16	1.66	0.85	2.05	1.55
Free Cash Flow	5	7	7	11	15	15	16	24
Net Cash Paid for Acquisitions	4	- -	- -	- -	- -	- -	-5	- -
Free Cash Flow to Firm	5	7	7	11	15	15	16	24
Free Cash Flow to Equity	- -	23	9	2	58	-3	8	17
Free Cash Flow per Basic Share	2.39	3.27	3.25	4.89	6.76	6.35	5.94	8.32
Price/Free Cash Flow	- -	9.36	9.6	8.3	6.32	6.2	7.3	6.98
Cash Flow to Net Income	1.03	1.02	1.08	1.1	1.06	1.08	1.01	1.05
Capital Expenditures	-1	- -	- -	- -	- -	- -	-1	- -