PBNC
PB Financial CorporationFinancial Services·Banks - Regional
--
$0M market cap
Revenue
$23.0M
Free Cash Flow
$23.9M
Rev Growth
+0.0%
FCF Margin
103.7%
P/FCF
--
EV/FCF
0.8x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
PB Financial Corporation operates as the financial holding company for Providence Bank that provides commercial and retail banking products and services. The company's personal banking products and services include checking accounts, savings accounts, money market accounts, certificate of deposit (CD), and individual retirement accounts; loans, such as consumer loans, equity lines, mortgages, and personal lines of credit, as well as credit cards; E-delivery information services; online banking s
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2025-Q4 | 23.0 | 8.1 | 8.1 | 6.4 | 24.0 | 23.9 | -0.1 | 34.6 | 53.1 | 3.1 | 24.8% | 0.9x | -- |
Valuation & Metrics
Market Stats
Price--
Market Cap$0M
Enterprise Value$19M
P/S Ratio0.0x
P/FCF--
EV/FCF0.8x
FCF Margin (TTM)103.7%
FCF Yield0.0%
Dividend Yield (TTM)--
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$23.0M
Net Income$6.4M
Free Cash Flow$23.9M
Revenue Growth (YoY)+0.0%
EBITDA Margin34.9%
Net Margin27.6%
FCF Margin103.7%
CapEx % of Revenue0.4%
SBC % of Revenue0.0%
ROIC24.7%
WC Change % Rev0.0%
Interest Coverage0.9x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.0M
Days to Cover1.0
Change (vs Prior)+0.0%
Need at least 2 settlement dates for chart
Employees
Headcount33
Revenue / Employee$698,121
Gross Profit / Employee$418,606
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
0.3%(+0.2% YoY)
1 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
0.0%(+0.0% YoY)
0 filers
Vanguard, iShares, SPDR
Market makers
0.0%(+0.0% YoY)
0 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| PL Capital Advisors, LLC | $462K | — | +$0 | +$332K | — | $332M |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)BEARISH
Holders
-1.27%
avg per quarter
Holders (ex-self)
—
excl. this stock
Buyers (this Q)
-1.27%
1 buyers · $0.00B in
Sellers (this Q)
+0.00%
0 sellers · $0.00B out
alpha coverage: 100% of $ has a lifetime-alpha record
Holder behavior (holder profile)source: holder
On big dips (−10%+)
-1.8%
how holders react when this stock falls
On quiet Qs
-0.0%
−10% to +10% baseline
On rallies (+10%+)
-6.9%
how they react when this stock rises
Holders' portfolio flow this Q
+5.0%
inflows — adds are organic
Sellers' portfolio flow this Q
+0.0%
Sellers' overall flow ~ flat.
Top-5 holders · 100.0%
PL Capital Advisors, LLC--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
PL Capital Advisors, LLC7K