PB Financial (PBNC) Stock Overview
Operates as the financial holding company for Providence Bank that provides commercial and retail banking products and services. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 2/6 |
Rewards
Risk Analysis
No risks detected for PBNC from our risk checks.
PBNC Community Fair Values
Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.
PB Financial Corporation Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$54.00 |
| 52 Week High | US$54.00 |
| 52 Week Low | US$41.89 |
| Beta | -0.011 |
| 1 Month Change | 0% |
| 3 Month Change | 8.00% |
| 1 Year Change | 29.50% |
| 3 Year Change | 33.17% |
| 5 Year Change | 80.00% |
| Change since IPO | 54.29% |
Recent News & Updates
Recent updates
Shareholder Returns
| PBNC | US Banks | US Market | |
|---|---|---|---|
| 7D | 2.1% | -4.0% | -2.7% |
| 1Y | 29.5% | 18.5% | 13.4% |
Return vs Industry: PBNC exceeded the US Banks industry which returned 18.5% over the past year.
Return vs Market: PBNC exceeded the US Market which returned 13.4% over the past year.
Price Volatility
| PBNC volatility | |
|---|---|
| PBNC Average Weekly Movement | 3.0% |
| Banks Industry Average Movement | 3.6% |
| Market Average Movement | 6.5% |
| 10% most volatile stocks in US Market | 17.3% |
| 10% least volatile stocks in US Market | 3.0% |
Stable Share Price: PBNC has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: Insufficient data to determine PBNC's volatility change over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2006 | n/a | Ted Whitehurst | www.pbknc.com |
PB Financial Corporation operates as the financial holding company for Providence Bank that provides commercial and retail banking products and services. The company offers checking accounts, savings accounts, money market accounts, certificate of deposit (CD), and individual retirement accounts; personal loans, home equity line of credit, advantage line of credit, and mortgage lending products; and business loans for purchasing land and buildings, making leasehold improvements, refinancing debt, accessing working capital, and investing in property, as well as for buying machinery, equipment, and vehicles. It also provides debit and credit cards; online and mobile banking services; and cash management services, such as ACH transactions, remote deposit capture, account sweep, and merchant services.
PB Financial Corporation Fundamentals Summary
| PBNC fundamental statistics | |
|---|---|
| Market cap | US$160.59m |
| Earnings (TTM) | US$19.46m |
| Revenue (TTM) | US$49.11m |
Is PBNC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| PBNC income statement (TTM) | |
|---|---|
| Revenue | US$49.11m |
| Cost of Revenue | US$0 |
| Gross Profit | US$49.11m |
| Other Expenses | US$29.65m |
| Earnings | US$19.46m |
Last Reported Earnings
Sep 30, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 6.54 |
| Gross Margin | 100.00% |
| Net Profit Margin | 39.62% |
| Debt/Equity Ratio | 35.9% |
How did PBNC perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/10/13 14:51 |
| End of Day Share Price | 2025/10/10 00:00 |
| Earnings | 2025/09/30 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
PB Financial Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.