Financial Services
PB Financial Corporation(PBNC)
Live Price
Offline$68.80
+0.00% today
1Y Change
+37.60%
Window
Jun 25, 2025 โ Jun 22, 2026
- Market Cap
- $170.00M
- Revenue Growth
- +13.2%
- EPS Growth
- +70.2%
- Dividend Yield
- 3.6%
Coverage: 249 bars ยท Jun 25, 2025 โ Jun 22, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
PB Financial Corporation (PBNC) is a Financial Services stock with a market cap of $170.00M and listed on OTC. The stock last traded around $68.80 and up 37.6% across the available one-year price window (Jun 25, 2025 โ Jun 22, 2026). Baseline metrics include revenue growth of +13.2%, EPS growth of +70.2%, a dividend yield of 3.6%. What stands out right now is revenue +13.2%, EPS +70.2%, free cash flow +46.0% with operating margin 44.6% and ROIC 13.1%. The dividend matters to the case here, with a current yield around 3.6%. Valuation is more restrained than many high-expectation growth names at P/E 9.1 and price/sales 2.0. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines PBNC price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+13.2% vs +3.4% peer median
Operating Margin
Above sector median
+44.6% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2025 was reported on Dec 31, 2025, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +13.2% and EPS at +70.2%, with operating margin around 44.6%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 3.6%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +1.2% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2025 Dec 31, 2025 | โ | +0.0% | +0.8% | +8.4% |
2025 Oct 8, 2025 | โ | +1.4% | +2.9% | +1.9% |
2025 Jul 8, 2025 | โ | +0.0% | +0.0% | +0.2% |
Benchmark Edge
PBNC vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
PBNC
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
PBNC Max Drawdown
-14.81%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for PBNC and SPY.
Company Overview
PB Financial Corporation
Other OTC
PB Financial Corporation operates as the financial holding company for Providence Bank that provides commercial and retail banking products and services. The company's personal banking products and services include checking accounts, savings accounts, money market accounts, certificate of deposit (CD), and individual retirement accounts; loans, such as consumer loans, equity lines, mortgages, and personal lines of credit, as well as credit cards; E-delivery information services; online banking services; and other products and services comprising telephone banking, ATM, online bill pay, and statement e-delivery services, as well as debit cards. Its business banking products and services include checking accounts, commercial money market accounts, business savings accounts, CDs, and lawyer's trust accounts; commercial loans for machinery, equipment, vehicles, office/warehouse/land purchases and improvements, refinances, balance sheet expansion, investment property, and leasehold improvements, as well as lines of credit for working capital, agriculture, inventory, and seasonal needs; E-delivery information services; cash management services; remote deposit capture services; online banking services; and other products and services comprising sweep accounts, merchant services, and telephone banking services. The company has its branches in Nash, Edgecombe, Wake, and Wilson Counties of North Carolina. PB Financial Corporation was founded in 2006 and is based in Rocky Mount, North Carolina.
- Leadership
- Ted E. Whitehurst
- IPO Date
- Jan 8, 2021
- Employees
- 33
- Street Address
- 450 North Winstead Avenue
- Mailing
- Rocky Mount, NC, 27804
- Region
- Rocky Mount, NC, US
- Reporting Currency
- USD
- Investor Line
- 252 443 9477
- Last Updated
- May 3, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 9.1
- EV/EBITDA
- 5.5
- Price/Sales
- 2.0
- Price/Book
- 1.4
Growth
- Revenue
- +13.2%
- EPS
- +70.2%
- Free Cash Flow
- +46.0%
Profitability
- Gross Margin
- 66.2%
- Operating Margin
- 44.6%
- Net Margin
- 29.0%
- ROE
- 15.9%
- ROIC
- 13.1%
Balance Sheet
- Debt/Equity
- 0.31
- Current Ratio
- 0.04
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.