PB Financial Corporation (PBNC)
Rocky Mount, NC, US
PB Financial Corporation operates as the parent financial holding company for Providence Bank, offering a broad spectrum of commercial and retail banking products and services. For individual clients, the bank provides diverse account types, including checking, savings, money market, certificates of deposit (CDs), and individual retirement accounts (IRAs). Its personal lending solutions encompass consumer loans, home equity lines of credit, mortgages, and personal lines of credit, alongside credit card offerings. Modern digital conveniences like online banking and e-delivery of statements and information are complemented by traditional services such as telephone banking, ATM access, online bill payment, and debit cards. Regarding its business clientele, account options span checking, commercial money market, and business savings accounts, in addition to certificates of deposit and specialized lawyer's trust accounts. The institution extends commercial loans tailored for various purposes, including financing machinery, equipment, vehicles, and real estate (such as office, warehouse, and land purchases, improvements, and investment properties). It also provides funding for refinances, balance sheet expansion, and leasehold improvements. Furthermore, lines of credit are available to support working capital, agricultural ventures, inventory management, and seasonal demands. Additional business amenities encompass online banking, e-delivery of information, sophisticated cash management tools, remote deposit capture, sweep accounts, merchant services, and telephone banking. The company's branch network serves customers across Nash, Edgecombe, Wake, and Wilson Counties within North Carolina. Established in 2006, PB Financial Corporation is headquartered in Rocky Mount, North Carolina.
Based on only 2 articles — low confidence
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | -8.67% | -8.67% | +9.79% | +29.25% | +23.71% | +45.74% | +58.56% | +94.33% | +95.71% | +95.71% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
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Revenue growth+13.3% Q1'26: +5.2% (vs Q1'25)
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EPS growth+28.1% Q1'26: +14.0% (vs Q1'25)
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FCF margin— Q1'26: +105.6% (vs Q1'25)
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EBIT margin— Q1'26: +33.7% (vs Q1'25)
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ROIC— Q1'26: +14.8% (vs Q1'25)
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Share dilution+6.5% Q1'26: +1.5% (vs Q1'25)
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Debt / EBITDA— Q1'26: 1.53× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2017 actual |
Dec 2018 actual |
|---|---|---|
| Revenue |
13.63M
est: 55.32M (-75.4%)
|
19.51M
est: 65.00M (-70.0%)
|
| EBITDA |
5.06M
est: 21.83M (-76.8%)
|
7.83M
est: 25.65M (-69.5%)
|
| EBIT |
4.95M
est: 21.21M (-76.6%)
|
7.44M
est: 24.92M (-70.2%)
|
| Net Income |
2.63M
|
5.69M
|
| SGA |
5.13M
est: 10.97M (-53.2%)
|
5.91M
est: 12.89M (-54.1%)
|
| EPS |
1.59
|
2.57
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-26 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-20 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-15 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-04 | A | 4/5 | 5/5 | 4/5 | 4/5 | 3/5 | 4/5 | 2/5 |
| 2026-04-28 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-24 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| David E. Keul | Executive Vice President, Chief Financial Officer & Treasurer | — | male |
| Joseph Brewer | Secretary & Director | — | male |
| Robert H. Ladd | Executive VP & CRA Officer | — | male |
| Ted E. Whitehurst | President, Chief Executive Officer & Director | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Short-term intention
Target Price Distribution
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