PB Financial Corporation

PBNC

PBNCPB Financial Corporation US flag

Other OTC

68.80

USD

+0.30

- -

151.88MMarket Cap

Profitability (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

Return on Common Equity (%)	- -	32.36	24.87	29.18	32.97	25.83	24.74	28.21
Return on Assets (%)	- -	1.53	1.28	1.52	1.84	1.52	1.47	1.68
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.52	2.99	2.75	2.16	1.66	0.85	2.05	1.55
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	47.36	51.24	47.38	55.44	62.74	56.67	50.48	55.63
Profit Margin (%)	36.26	39.93	36.92	43.19	48.88	44.09	38.69	43.15
Net Income to Common Margin (%)	36.26	39.93	36.92	43.19	48.88	44.09	36.17	40.78
Effective Tax Rate (%)	23.43	22.07	22.09	22.1	22.1	22.2	23.36	22.44
Dvd Payout Ratio (%)	19.13	19.41	27.05	22.62	19.27	31.78	36.93	32
Sustainable Growth Rate (%)	- -	26.08	18.14	22.58	26.61	17.62	15.61	19.18

Credit (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 Debt	48	63	65	56	98	83	58	53
ST Debt	32	11	8	10	65	10	5	5
LT Debt	16	52	57	46	33	73	53	48
Total Debt/EBITDA	121.58	117.95	128.59	114.65	202.15	309.2	64.99	64.94
Net Debt/EBITDA	-16.4	50.76	9.53	31.63	155.17	219.94	37.43	34.93
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.24	5.2	5.09	5.34	5.77	5.98	5.25	5.97
Long-Term Debt/Equity (%)	34.01	96.33	98.35	70.82	49.1	83.67	40.04	31.44
Long-Term Debt/Capital (%)	23.97	59.14	60.16	49.34	22.5	51.59	36.71	31.07
Long-Term Debt/Total Assets (%)	3.57	10.86	9.74	6.59	3.9	7.45	4.05	3.43
Total Debt/Equity (%)	101.51	116.72	112.12	86.14	145.52	95.1	43.8	34.7
Total Debt/Capital (%)	71.56	71.66	68.58	60.01	66.68	58.63	40.14	34.3
Total Debt/Total Assets (%)	10.66	13.16	11.11	8.02	11.55	8.47	4.43	3.78
Net Debt to Equity	-13.69	50.23	8.31	23.77	111.7	67.64	25.22	18.67
Net Debt/Capital (%)	-51.36	52.11	13.92	29.28	60.57	50.2	27.86	21.92
EBITDA	- -	1	1	- -	- -	- -	1	1
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.24	5.2	5.09	5.34	5.77	5.98	5.25	5.97
Long-Term Debt/Equity (%)	34.01	96.33	98.35	70.82	49.1	83.67	40.04	31.44
Long-Term Debt/Capital (%)	23.97	59.14	60.16	49.34	22.5	51.59	36.71	31.07
Long-Term Debt/Total Assets (%)	3.57	10.86	9.74	6.59	3.9	7.45	4.05	3.43
Total Debt/Equity (%)	101.51	116.72	112.12	86.14	145.52	95.1	43.8	34.7
Total Debt/Capital (%)	71.56	71.66	68.58	60.01	66.68	58.63	40.14	34.3
Total Debt/Total Assets (%)	10.66	13.16	11.11	8.02	11.55	8.47	4.43	3.78
CFO/Total Liabilities	1.45	1.71	1.39	1.7	1.92	1.68	1.44	1.92
CFO/CapEx	10.28	69.61	41.98	154.35	323.28	60.86	26.45	290.82
Altman's Z-Score	0.09	0.2	0.18	0.19	0.18	0.17	0.17	0.2

Working Capital (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

Accounts Receivable Turnover	- -	12.59	12.1	12.94	11.62	8.77	9.47	9.96
Days Sales Outstanding	- -	28.98	30.16	28.21	31.42	41.62	38.56	36.63
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (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

Market Capitalization	- -	68	70	88	92	91	124	159
- Cash & Cash Equivalents	55	36	60	41	23	24	25	25
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	18	18
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	48	63	65	56	98	83	58	53
Enterprise Value	-21	75	43	19	67	52	61	199
Total Capital	67	88	95	94	147	142	145	155
Total Debt/Capital (%)	71.56	71.66	68.58	60.01	66.68	58.63	40.14	34.3
Total Debt / EV	-2.31	0.84	1.52	2.9	1.45	1.59	0.95	0.27
EV/Sales	- -	4.22	2.32	0.85	2.31	1.66	1.4	3.76
EV/EBITDA	- -	141.16	84.37	39.6	139	194.92	68.28	243.37
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	10.37	5.83	1.8	4.48	3.49	3.61	8.3
EV/Free Cash Flow to Firm	- -	10.22	5.7	1.78	4.47	3.44	3.47	8.27
Diluted Market Cap	- -	69	72	90	95	95	129	168
Diluted Enterprise Value	-6	96	77	106	171	154	180	215
EV per Share	- -	34.36	19.41	8.84	30.37	22.56	22.27	69.31
TTM Sales	16	18	18	23	29	32	44	53
TTM EBITDA	- -	1	1	- -	- -	- -	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	6	7	7	11	15	15	17	24
TTM Free Cash Flow to Firm	6	7	7	11	15	15	18	24

Multiples (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

Price/Free Cash Flow	- -	9.36	9.6	8.3	6.32	6.2	7.3	6.98
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-21	75	43	19	67	52	61	199
Low Price	- -	31	25	32	37.25	36.5	38	44.05
EV/Sales	- -	4.22	2.32	0.85	2.31	1.66	1.4	3.76
EV/EBITDA	- -	141.16	84.37	39.6	139	194.92	68.28	243.37
Price/Earnings	- -	9.54	10.35	8.94	6.49	6.56	7.83	7.37
Price/Earnings Average	- -	10.36	9.55	8	6.19	6.9	7.21	6.6
Price/Earnings High	- -	10.78	10.83	8.94	6.84	9.19	8.01	7.37
Price/Earnings Low	- -	9.54	8.09	7.16	5.8	6.1	6.62	5.87
Price/Book Value	- -	2.73	2.36	2.34	1.89	1.55	1.79	1.9
Price/Book Value Average	- -	2.97	2.18	2.1	1.8	1.64	1.65	1.7
Price/Book Value High	- -	3.08	2.47	2.34	1.99	2.18	1.83	1.9
Price/Book Value Low	- -	2.73	1.84	1.88	1.69	1.45	1.51	1.51
Price/Tangible Book Value	- -	1.36	1.3	1.43	1.46	1.09	1.17	1.27
Price/Tangible Book Value Average	- -	1.48	1.2	1.28	1.39	1.15	1.07	1.14
Price/Tangible Book Value High	- -	1.54	1.37	1.43	1.54	1.53	1.19	1.27
Price/Tangible Book Value Low	- -	1.36	1.02	1.15	1.31	1.02	0.99	1.01
Price/Sales	- -	3.81	3.82	3.86	3.17	2.89	2.83	3.01
Price/Sales Average	- -	4.14	3.53	3.46	3.03	3.04	2.61	2.69
Price/Sales High	- -	4.3	4	3.86	3.34	4.05	2.9	3.01
Price/Sales Low	- -	3.81	2.99	3.09	2.84	2.69	2.39	2.39
Price/Cash Flow	- -	9.35	9.62	8.12	6.15	6.08	7.28	6.63
Price/Cash Flow Average	- -	10.16	8.87	7.27	5.87	6.4	6.71	5.93
Price/Cash Flow High	- -	10.56	10.07	8.12	6.48	8.52	7.45	6.63
Price/Cash Flow Low	- -	9.35	7.51	6.5	5.5	5.65	6.15	5.28
Price/Free Cash Flow Average	- -	10.17	8.86	7.43	6.03	6.52	6.73	6.25
Price/Free Cash Flow High	- -	10.57	10.05	8.3	6.66	8.69	7.47	6.98
Price/Free Cash Flow Low	- -	9.36	7.5	6.64	5.65	5.77	6.17	5.55
EV/Sales Average	- -	5.66	3.79	4.14	5.61	4.92	3.79	3.57
EV/Sales High	- -	5.82	4.26	4.55	5.93	5.93	4.08	3.89
EV/Sales Low	- -	5.33	3.25	3.77	5.42	4.57	3.57	3.27
EV/EBITDA Average	-16.4	189.07	137.86	191.89	337.14	576.78	184.35	230.78
EV/EBITDA High	-16.4	194.55	155.15	210.73	356.11	695.14	198.42	251.26
EV/EBITDA Low	-16.4	178.12	118.2	174.91	325.63	535.3	173.89	211.51
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	31	32	40	41.65	39.26	44.97	55.37
High Price	- -	35	33.5	40	43.91	55	46	55.37
Enterprise Value Average	-6	101	70	94	164	155	166	189
Enterprise Value High	-6	104	79	103	173	187	178	206
Enterprise Value Low	-6	95	60	86	158	144	156	173

Profitability (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

Return on Common Equity (%)	- -	32.36	24.87	29.18	32.97	25.83	24.74	28.21
Return on Assets (%)	- -	1.53	1.28	1.52	1.84	1.52	1.47	1.68
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.52	2.99	2.75	2.16	1.66	0.85	2.05	1.55
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	47.36	51.24	47.38	55.44	62.74	56.67	50.48	55.63
Profit Margin (%)	36.26	39.93	36.92	43.19	48.88	44.09	38.69	43.15
Net Income to Common Margin (%)	36.26	39.93	36.92	43.19	48.88	44.09	36.17	40.78
Effective Tax Rate (%)	23.43	22.07	22.09	22.1	22.1	22.2	23.36	22.44
Dvd Payout Ratio (%)	19.13	19.41	27.05	22.62	19.27	31.78	36.93	32
Sustainable Growth Rate (%)	- -	26.08	18.14	22.58	26.61	17.62	15.61	19.18

Credit (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 Debt	48	63	65	56	98	83	58	53
ST Debt	32	11	8	10	65	10	5	5
LT Debt	16	52	57	46	33	73	53	48
Total Debt/EBITDA	121.58	117.95	128.59	114.65	202.15	309.2	64.99	64.94
Net Debt/EBITDA	-16.4	50.76	9.53	31.63	155.17	219.94	37.43	34.93
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.24	5.2	5.09	5.34	5.77	5.98	5.25	5.97
Long-Term Debt/Equity (%)	34.01	96.33	98.35	70.82	49.1	83.67	40.04	31.44
Long-Term Debt/Capital (%)	23.97	59.14	60.16	49.34	22.5	51.59	36.71	31.07
Long-Term Debt/Total Assets (%)	3.57	10.86	9.74	6.59	3.9	7.45	4.05	3.43
Total Debt/Equity (%)	101.51	116.72	112.12	86.14	145.52	95.1	43.8	34.7
Total Debt/Capital (%)	71.56	71.66	68.58	60.01	66.68	58.63	40.14	34.3
Total Debt/Total Assets (%)	10.66	13.16	11.11	8.02	11.55	8.47	4.43	3.78
Net Debt to Equity	-13.69	50.23	8.31	23.77	111.7	67.64	25.22	18.67
Net Debt/Capital (%)	-51.36	52.11	13.92	29.28	60.57	50.2	27.86	21.92
EBITDA	- -	1	1	- -	- -	- -	1	1
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.24	5.2	5.09	5.34	5.77	5.98	5.25	5.97
Long-Term Debt/Equity (%)	34.01	96.33	98.35	70.82	49.1	83.67	40.04	31.44
Long-Term Debt/Capital (%)	23.97	59.14	60.16	49.34	22.5	51.59	36.71	31.07
Long-Term Debt/Total Assets (%)	3.57	10.86	9.74	6.59	3.9	7.45	4.05	3.43
Total Debt/Equity (%)	101.51	116.72	112.12	86.14	145.52	95.1	43.8	34.7
Total Debt/Capital (%)	71.56	71.66	68.58	60.01	66.68	58.63	40.14	34.3
Total Debt/Total Assets (%)	10.66	13.16	11.11	8.02	11.55	8.47	4.43	3.78
CFO/Total Liabilities	1.45	1.71	1.39	1.7	1.92	1.68	1.44	1.92
CFO/CapEx	10.28	69.61	41.98	154.35	323.28	60.86	26.45	290.82
Altman's Z-Score	0.09	0.2	0.18	0.19	0.18	0.17	0.17	0.2

Working Capital (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

Accounts Receivable Turnover	- -	12.59	12.1	12.94	11.62	8.77	9.47	9.96
Days Sales Outstanding	- -	28.98	30.16	28.21	31.42	41.62	38.56	36.63
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (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

Market Capitalization	- -	68	70	88	92	91	124	159
- Cash & Cash Equivalents	55	36	60	41	23	24	25	25
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	18	18
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	48	63	65	56	98	83	58	53
Enterprise Value	-21	75	43	19	67	52	61	199
Total Capital	67	88	95	94	147	142	145	155
Total Debt/Capital (%)	71.56	71.66	68.58	60.01	66.68	58.63	40.14	34.3
Total Debt / EV	-2.31	0.84	1.52	2.9	1.45	1.59	0.95	0.27
EV/Sales	- -	4.22	2.32	0.85	2.31	1.66	1.4	3.76
EV/EBITDA	- -	141.16	84.37	39.6	139	194.92	68.28	243.37
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	10.37	5.83	1.8	4.48	3.49	3.61	8.3
EV/Free Cash Flow to Firm	- -	10.22	5.7	1.78	4.47	3.44	3.47	8.27
Diluted Market Cap	- -	69	72	90	95	95	129	168
Diluted Enterprise Value	-6	96	77	106	171	154	180	215
EV per Share	- -	34.36	19.41	8.84	30.37	22.56	22.27	69.31
TTM Sales	16	18	18	23	29	32	44	53
TTM EBITDA	- -	1	1	- -	- -	- -	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	6	7	7	11	15	15	17	24
TTM Free Cash Flow to Firm	6	7	7	11	15	15	18	24

Multiples (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

Price/Free Cash Flow	- -	9.36	9.6	8.3	6.32	6.2	7.3	6.98
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-21	75	43	19	67	52	61	199
Low Price	- -	31	25	32	37.25	36.5	38	44.05
EV/Sales	- -	4.22	2.32	0.85	2.31	1.66	1.4	3.76
EV/EBITDA	- -	141.16	84.37	39.6	139	194.92	68.28	243.37
Price/Earnings	- -	9.54	10.35	8.94	6.49	6.56	7.83	7.37
Price/Earnings Average	- -	10.36	9.55	8	6.19	6.9	7.21	6.6
Price/Earnings High	- -	10.78	10.83	8.94	6.84	9.19	8.01	7.37
Price/Earnings Low	- -	9.54	8.09	7.16	5.8	6.1	6.62	5.87
Price/Book Value	- -	2.73	2.36	2.34	1.89	1.55	1.79	1.9
Price/Book Value Average	- -	2.97	2.18	2.1	1.8	1.64	1.65	1.7
Price/Book Value High	- -	3.08	2.47	2.34	1.99	2.18	1.83	1.9
Price/Book Value Low	- -	2.73	1.84	1.88	1.69	1.45	1.51	1.51
Price/Tangible Book Value	- -	1.36	1.3	1.43	1.46	1.09	1.17	1.27
Price/Tangible Book Value Average	- -	1.48	1.2	1.28	1.39	1.15	1.07	1.14
Price/Tangible Book Value High	- -	1.54	1.37	1.43	1.54	1.53	1.19	1.27
Price/Tangible Book Value Low	- -	1.36	1.02	1.15	1.31	1.02	0.99	1.01
Price/Sales	- -	3.81	3.82	3.86	3.17	2.89	2.83	3.01
Price/Sales Average	- -	4.14	3.53	3.46	3.03	3.04	2.61	2.69
Price/Sales High	- -	4.3	4	3.86	3.34	4.05	2.9	3.01
Price/Sales Low	- -	3.81	2.99	3.09	2.84	2.69	2.39	2.39
Price/Cash Flow	- -	9.35	9.62	8.12	6.15	6.08	7.28	6.63
Price/Cash Flow Average	- -	10.16	8.87	7.27	5.87	6.4	6.71	5.93
Price/Cash Flow High	- -	10.56	10.07	8.12	6.48	8.52	7.45	6.63
Price/Cash Flow Low	- -	9.35	7.51	6.5	5.5	5.65	6.15	5.28
Price/Free Cash Flow Average	- -	10.17	8.86	7.43	6.03	6.52	6.73	6.25
Price/Free Cash Flow High	- -	10.57	10.05	8.3	6.66	8.69	7.47	6.98
Price/Free Cash Flow Low	- -	9.36	7.5	6.64	5.65	5.77	6.17	5.55
EV/Sales Average	- -	5.66	3.79	4.14	5.61	4.92	3.79	3.57
EV/Sales High	- -	5.82	4.26	4.55	5.93	5.93	4.08	3.89
EV/Sales Low	- -	5.33	3.25	3.77	5.42	4.57	3.57	3.27
EV/EBITDA Average	-16.4	189.07	137.86	191.89	337.14	576.78	184.35	230.78
EV/EBITDA High	-16.4	194.55	155.15	210.73	356.11	695.14	198.42	251.26
EV/EBITDA Low	-16.4	178.12	118.2	174.91	325.63	535.3	173.89	211.51
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	31	32	40	41.65	39.26	44.97	55.37
High Price	- -	35	33.5	40	43.91	55	46	55.37
Enterprise Value Average	-6	101	70	94	164	155	166	189
Enterprise Value High	-6	104	79	103	173	187	178	206
Enterprise Value Low	-6	95	60	86	158	144	156	173

Shares Outstanding	2	2	2	2	2	2	3	3
Diluted Weighted Avg Shares	2	2	2	2	2	2	3	3
Basic Weighted Avg Shares	2	2	2	2	2	2	3	3
Revenue per Share	7.09	8.13	8.38	10.35	13.13	13.57	15.88	18.42
EBITDA per Share	0.18	0.24	0.23	0.22	0.22	0.12	0.33	0.28
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -
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 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
Dividend per Share	0.49	0.63	0.84	1.01	1.24	1.9	2.52	2.84
Cash Flow per Share	2.65	3.31	3.33	4.92	6.78	6.46	6.18	8.35
Free Cash Flow per Basic Share	2.39	3.27	3.25	4.89	6.76	6.35	5.94	8.32
Cash & Equivalents per Share	31.14	25.35	42.17	56.76	55.45	52.49	50.41	10.79
Book Value per Share	8.64	11.35	13.55	17.06	22.07	25.25	25.1	29.19
Tangible Book Value per Share	19.49	22.74	24.54	27.88	28.53	35.88	38.52	43.62

PB Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)