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PBNC

PB Financial Corporation

USD

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Price alert · PBNC

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73.00 USD 0.00 0.00%
As of Oct 30, 2026
73.00 Day range 73.00
52.80 52-week range 78.93
YTD
+31.84%
1 year
+38.26%
Open
73.00
Prev close
73.00
Mkt cap
220.62M
Vol
201
Avg vol
466
EPS
7.79
P/E
9.37
Div yield
0.00%
More statistics
Low
73.00
High
73.00
Forward P/E
16.31
Beta
0.00
Short ratio
7.26
Inst. own
32.48%
Dividend
0.00
Ex-div date
50-d avg
54.50
200-d avg
55.53
1y target
58.65

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Financial health

Altman Z-Score

0.32 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 5
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 4
  • P/B 3

Valuation

P/E 5.7×
FY 2016: 22.7×FY 2017: 22.0×FY 2018: 13.6×FY 2019: 9.5×FY 2020: 11.3×FY 2021: 8.9×FY 2022: 6.5×FY 2023: 6.6×FY 2024: 7.8×FY 2025: 5.7×
FY 2016 5y median 6.6× FY 2025
P/S 1.4×
FY 2016: 4.8×FY 2017: 4.2×FY 2018: 4.0×FY 2019: 2.9×FY 2020: 3.1×FY 2021: 3.1×FY 2022: 2.5×FY 2023: 1.7×FY 2024: 1.6×FY 2025: 1.4×
FY 2016 5y median 1.7× FY 2025
P/B 0.8×
FY 2016: 2.0×FY 2017: 1.4×FY 2018: 1.6×FY 2019: 1.3×FY 2020: 1.3×FY 2021: 1.3×FY 2022: 1.4×FY 2023: 1.0×FY 2024: 0.9×FY 2025: 0.8×
FY 2016 5y median 1.0× FY 2025
P/FCF 5.1×
FY 2016: 36.0×FY 2017: 15.5×FY 2018: 14.6×FY 2019: 9.5×FY 2020: 10.8×FY 2021: 8.2×FY 2022: 6.2×FY 2023: 6.2×FY 2024: 7.6×FY 2025: 5.1×
FY 2016 5y median 6.2× FY 2025
EV/EBITDA 4.8×
FY 2016: 5.7×FY 2017: 5.0×FY 2018: 9.6×FY 2019: 9.8×FY 2020: 9.2×FY 2021: 8.1×FY 2022: 9.1×FY 2023: 8.3×FY 2024: 7.4×FY 2025: 4.8×
FY 2016 5y median 8.1× FY 2025
EV/Sales 1.6×
FY 2016: 1.9×FY 2017: 1.9×FY 2018: 3.8×FY 2019: 4.0×FY 2020: 3.4×FY 2021: 3.8×FY 2022: 4.7×FY 2023: 2.8×FY 2024: 2.1×FY 2025: 1.6×
FY 2016 5y median 2.8× FY 2025
FCF Yield 19.6%
FY 2016: 2.8%FY 2017: 6.4%FY 2018: 6.8%FY 2019: 10.5%FY 2020: 9.3%FY 2021: 12.2%FY 2022: 16.2%FY 2023: 16.2%FY 2024: 13.2%FY 2025: 19.6%
FY 2016 5y median 16.2% FY 2025

Profitability

Gross Margin 58.3%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 78.9%FY 2019: 73.3%FY 2020: 69.4%FY 2021: 77.2%FY 2022: 77.9%FY 2023: 56.4%FY 2024: 52.5%FY 2025: 58.3%
FY 2016 5y median 58.3% FY 2025
Operating Margin 32.7%
FY 2016: 32.9%FY 2017: 39.6%FY 2018: 38.1%FY 2019: 38.6%FY 2020: 35.3%FY 2021: 44.7%FY 2022: 49.8%FY 2023: 33.0%FY 2024: 28.9%FY 2025: 32.7%
FY 2016 5y median 33.0% FY 2025
Net Margin 25.3%
FY 2016: 21.2%FY 2017: 19.3%FY 2018: 29.2%FY 2019: 30.1%FY 2020: 27.5%FY 2021: 34.8%FY 2022: 38.8%FY 2023: 25.7%FY 2024: 21.3%FY 2025: 25.3%
FY 2016 5y median 25.7% FY 2025
ROE 14.9%
FY 2016: 8.8%FY 2017: 6.3%FY 2018: 12.0%FY 2019: 13.2%FY 2020: 11.7%FY 2021: 15.0%FY 2022: 21.1%FY 2023: 15.9%FY 2024: 12.7%FY 2025: 14.9%
FY 2016 5y median 15.0% FY 2025
ROIC 10.5%
FY 2016: 1.7%FY 2017: 1.5%FY 2018: 5.7%FY 2019: 8.6%FY 2020: 5.4%FY 2021: 7.9%FY 2022: 8.4%FY 2023: 7.9%FY 2024: 5.3%FY 2025: 10.5%
FY 2016 5y median 7.9% FY 2025
ROA 1.6%
FY 2016: 0.9%FY 2017: 0.8%FY 2018: 1.3%FY 2019: 1.5%FY 2020: 1.2%FY 2021: 1.4%FY 2022: 1.7%FY 2023: 1.4%FY 2024: 1.3%FY 2025: 1.6%
FY 2016 5y median 1.4% FY 2025

Growth (YoY)

Revenue 13.2%
FY 2016: 37.8%FY 2017: 15.1%FY 2018: 43.2%FY 2019: 21.4%FY 2020: 4.5%FY 2021: 13.8%FY 2022: 30.3%FY 2023: 47.6%FY 2024: 46.7%FY 2025: 13.2%
FY 2016 FY 2025
Operating Income 27.9%
FY 2016: 4.2%FY 2017: 38.2%FY 2018: 37.9%FY 2019: 23.0%FY 2020: -4.4%FY 2021: 44.3%FY 2022: 45.2%FY 2023: -2.2%FY 2024: 28.6%FY 2025: 27.9%
FY 2016 FY 2025
EPS (diluted) 28.1%
FY 2016: 2.7%FY 2017: 2.6%FY 2018: 63.7%FY 2019: 24.5%FY 2020: -5.3%FY 2021: 43.6%FY 2022: 43.2%FY 2023: -7.4%FY 2024: -4.3%FY 2025: 28.1%
FY 2016 FY 2025
Free Cash Flow 46.0%
FY 2016: -40.7%FY 2017: 134.0%FY 2018: 42.3%FY 2019: 35.4%FY 2020: -0.2%FY 2021: 50.2%FY 2022: 39.6%FY 2023: -1.5%FY 2024: 10.8%FY 2025: 46.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.3×FY 2017: 0.4×FY 2018: 0.2×FY 2019: 5.0×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.0×
FY 2016: 0.3×FY 2017: 0.4×FY 2018: 0.2×FY 2019: 9.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.3×
FY 2016: 0.3×FY 2017: 0.5×FY 2018: 1.1×FY 2019: 1.2×FY 2020: 1.2×FY 2021: 0.9×FY 2022: 1.5×FY 2023: 1.0×FY 2024: 0.5×FY 2025: 0.3×
FY 2016 5y median 0.9× FY 2025
Net Debt / EBITDA 0.6×
FY 2016: -8.7×FY 2017: -6.4×FY 2018: -0.3×FY 2019: 2.8×FY 2020: 0.9×FY 2021: 1.4×FY 2022: 4.2×FY 2023: 3.3×FY 2024: 2.0×FY 2025: 0.6×
FY 2016 5y median 2.0× FY 2025
Interest Coverage 0.8×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 2.0×FY 2019: 1.6×FY 2020: 1.4×FY 2021: 2.3×FY 2022: 2.4×FY 2023: 0.8×FY 2024: 0.6×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025

Dividends

Dividend Yield 6.7%
FY 2016: 1.1%FY 2017: 1.2%FY 2018: 1.4%FY 2019: 2.0%FY 2020: 2.4%FY 2021: 2.5%FY 2022: 3.0%FY 2023: 4.8%FY 2024: 5.6%FY 2025: 6.7%
FY 2016 5y median 4.8% FY 2025
Payout Ratio 35.7%
FY 2016: 24.3%FY 2017: 26.0%FY 2018: 19.1%FY 2019: 19.4%FY 2020: 27.1%FY 2021: 22.6%FY 2022: 19.3%FY 2023: 31.8%FY 2024: 41.0%FY 2025: 35.7%
FY 2016 5y median 31.8% FY 2025

Annual · latest fiscal year ends 2025-12-31