PB Bankshares, Inc. (PBBK) 10-Year Financial Performance & Capital Metrics

PBBK • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

AboutPB Bankshares, Inc. focuses on operating as a holding company for the Presence Bank that provides various financial products and services in Pennsylvania. The company accepts various deposits, including demand deposit accounts, savings accounts, money market accounts, and certificate of deposit accounts. It also provides one- to four-family residential real estate, commercial real estate, commercial and industrial, construction, and consumer loans, as well as home equity lines of credit. In addition, the company offers remote deposit capture, commercial cash management, and mobile deposits, as well as online and mobile banking services; and invests in various securities. It operates through a network of three branch offices and two loan production office in Chester, Lancaster, and Dauphin Counties, Pennsylvania. PB Bankshares, Inc. was founded in 1919 and is based in Coatesville, Pennsylvania.Show more

Net Interest Income $11M -8.4%
Total Revenue $24M +17.8%
Net Income $2M -7.7%
Return on Equity 3.71% -10.2%
Net Interest Margin 2.46% -10.8%
Efficiency Ratio 39.51% -16.4%
ROA 0.4% -14.4%
Equity / Assets 10.78% +0.9%
Book Value per Share 20.82 +10.2%
Tangible BV/Share 20.82 +10.2%
Debt/Equity 0.87 -25.6%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 17.9%
✓Efficient operations: 39.5% efficiency ratio
✓Well capitalized: 10.8% equity/assets
✓Share count reduced 6.0% through buybacks
✓Trading at only 1.0x book value

✗Weaknesses

✗Weak 3Y average ROE of 4.1%

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y19.61%

3Y31.14%

TTM-

Profit (Net Income) CAGR

10Y-

5Y17.87%

3Y31.18%

TTM54.2%

EPS CAGR

10Y-

5Y22.1%

3Y34.84%

TTM53.13%

ROCE

10Y Avg1.77%

5Y Avg1.73%

3Y Avg2.68%

Latest2.2%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.37B	31.13	56.60	0.1%	4.5%	4.02%	6.79%	0.70
EBCEastern Bankshares, Inc.	4.4B	19.56	29.64	91.64%	11.17%	1.3%	6.14%	0.01
LYGLloyds Banking Group plc	80.5B	5.48	21.92	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	26.03B	60.61	20.00	1.31%	12.22%	6.6%	7.22%	0.51
PFSProvident Financial Services, Inc.	2.65B	20.29	19.32	63.91%	10.13%	7.51%	16.04%	0.93
CBUCommunity Bank System, Inc.	3.3B	62.73	18.24	24.44%	19.4%	10.34%	6.71%	0.57
VLYValley National Bancorp	6.7B	12.02	17.42	6.51%	10.65%	6.53%	8.18%	0.50
INDBIndependent Bank Corp.	3.8B	76.62	16.95	6.89%	19.72%	7.76%	5.51%	0.23

Profit & Loss

	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	6.92M	6.63M	7.86M	10.86M	12.11M	11.09M
NII Growth %	-	-0.04%	0.19%	0.38%	0.12%	-0.08%
Net Interest Margin %	-	-	-	-	-	-
Interest Income	9.38M	9.06M	10.06M	13.82M	19.83M	23.49M
Interest Expense	2.45M	2.43M	2.2M	2.96M	7.72M	12.4M
Loan Loss Provision	697K	760K	287K	1.2M	632K	-37K
Non-Interest Income+	486K	530K	647K	456K	675K	656K
Non-Interest Income %	-	-	-	-	-	-
Total Revenue+	9.87M	9.59M	10.71M	14.28M	20.51M	24.15M
Revenue Growth %	-	-0.03%	0.12%	0.33%	0.44%	0.18%
Non-Interest Expense	5.76M	6.96M	7.27M	7.47M	9.69M	9.54M
Efficiency Ratio	-	-	-	-	-	-
Operating Income+	952K	-555K	955K	2.65M	2.46M	2.25M
Operating Margin %	-	-	-	-	-	-
Operating Income Growth %	-	-1.58%	2.72%	1.77%	-0.07%	-0.09%
Pretax Income+	952K	-555K	955K	2.65M	2.46M	2.25M
Pretax Margin %	-	-	-	-	-	-
Income Tax+	173K	-140K	170K	531K	545K	475K
Effective Tax Rate %	-	-	-	-	-	-
Net Income+	779K	-415K	785K	2.11M	1.92M	1.77M
Net Margin %	-	-	-	-	-	-
Net Income Growth %	-	-1.53%	2.89%	1.69%	-0.09%	-0.08%
Net Income (Continuing)	779K	-415K	785K	2.11M	1.92M	1.77M
EPS (Diluted)+	0.28	-0.15	0.31	0.82	0.77	0.76
EPS Growth %	-	-1.54%	3.07%	1.65%	-0.06%	-0.01%
EPS (Basic)	0.28	-0.15	0.31	0.82	0.78	0.77
Diluted Shares Outstanding	2.78M	2.78M	2.56M	2.57M	2.49M	2.34M

Balance Sheet

	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	4.34M	26M	15.61M	16.02M	18.26M	35.45M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	194.91M	212.79M	275.69M	353.66M	390.29M	395.92M
Investments Growth %	-	0.09%	0.3%	0.28%	0.1%	0.01%
Long-Term Investments	172.05M	186.91M	250.04M	301.62M	322.18M	345.62M
Accounts Receivables	514K	851K	852K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0
Intangible Assets	0	0	0	0	0	0
PP&E (Net)	1.69M	2.11M	1.95M	1.69M	2.06M	2.08M
Other Assets	14.91M	32.91M	19.88M	12.39M	26.16M	15.04M
Total Current Assets	27.71M	52.73M	42.11M	69.19M	87.62M	87.01M
Total Non-Current Assets	189.17M	222.6M	272.82M	317.36M	352.12M	364.3M
Total Assets+	216.88M	275.32M	314.93M	386.55M	439.75M	451.32M
Asset Growth %	-	0.27%	0.14%	0.23%	0.14%	0.03%
Return on Assets (ROA)	0%	-0%	0%	0.01%	0%	0%
Accounts Payable	0	0	0	0	0	0
Total Debt+	26.03M	20.55M	16.68M	47.64M	55.1M	42.46M
Net Debt	21.7M	-5.45M	1.07M	31.62M	36.85M	7.01M
Long-Term Debt	26.03M	20.55M	16.68M	47.64M	55.1M	42.46M
Short-Term Debt	0	0	0	0	0	0
Other Liabilities	0	0	0	0	4.69M	6.01M
Total Current Liabilities	168.65M	232.8M	252.41M	292.92M	332.97M	354.19M
Total Non-Current Liabilities	26.03M	20.55M	16.68M	47.64M	59.79M	48.47M
Total Liabilities	194.68M	253.35M	269.1M	340.56M	392.76M	402.66M
Total Equity+	22.2M	21.97M	45.83M	45.99M	46.99M	48.66M
Equity Growth %	-	-0.01%	1.09%	0%	0.02%	0.04%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-
Return on Equity (ROE)	0.04%	-0.02%	0.02%	0.05%	0.04%	0.04%
Book Value per Share	7.99	7.91	17.94	17.92	18.89	20.82
Tangible BV per Share	-	-	-	-	-	-
Common Stock	0	0	28K	27K	26K	24K
Additional Paid-in Capital	0	0	26.18M	25.72M	24.11M	22.93M
Retained Earnings	22.3M	21.88M	22.66M	24.78M	26.56M	28.33M
Accumulated OCI	-92K	89K	-282K	-1.93M	-1.25M	-305K
Treasury Stock	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0

Cash Flow

	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	1.48M	206K	1.39M	3.37M	3.88M	1.82M
Operating CF Growth %	-	-0.86%	5.74%	1.43%	0.15%	-0.53%
Net Income	779K	-415K	785K	2.11M	1.92M	1.77M
Depreciation & Amortization	197K	205K	172K	288K	326K	355K
Deferred Taxes	-49K	-187K	-174K	-274K	-221K	-86K
Other Non-Cash Items	415K	525K	198K	205K	-2K	-1.22M
Working Capital Changes	133K	78K	262K	818K	1.18M	274K
Cash from Investing+	-2.39M	-20.48M	-64.26M	-81.82M	-37.44M	-3.3M
Purchase of Investments	-9.39M	-26.83M	-5M	-39.73M	-56.37M	-30.63M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0
Other Investing	-3K	-17.13M	-63.88M	-53.34M	-22.12M	-22.39M
Cash from Financing+	5.47M	57.9M	39.14M	68.79M	48.79M	6.82M
Dividends Paid	0	0	0	0	0	0
Share Repurchases	0	0	0	-530K	-2.15M	-1.76M
Stock Issued	0	0	26.2M	0	0	0
Net Stock Activity	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	-1000K	1000K	1000K	-1000K
Other Financing	6.84M	63.38M	16.82M	38.37M	43.47M	21.22M
Net Change in Cash+	4.56M	37.62M	-23.73M	-9.66M	15.23M	5.34M
Exchange Rate Effect	0	0	0	0	0	0
Cash at Beginning	8.41M	12.97M	50.59M	26.86M	17.2M	32.44M
Cash at End	12.97M	50.59M	26.86M	17.2M	32.44M	37.78M
Interest Paid	2.41M	2.45M	2.62M	2.73M	7.23M	12.17M
Income Taxes Paid	75K	165K	120K	522K	592K	480K
Free Cash Flow+	1.34M	-486K	1.38M	3.23M	3.24M	1.44M
FCF Growth %	-	-1.36%	3.84%	1.34%	0%	-0.56%

Banking Ratios

Metric	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	3.51%	-1.88%	2.32%	4.6%	4.13%	3.71%
Return on Assets (ROA)	0.36%	-0.17%	0.27%	0.6%	0.46%	0.4%
Net Interest Margin	3.19%	2.41%	2.5%	2.81%	2.75%	2.46%
Efficiency Ratio	58.41%	72.52%	67.87%	52.36%	47.27%	39.51%
Equity / Assets	10.24%	7.98%	14.55%	11.9%	10.69%	10.78%
Book Value / Share	7.99	7.91	17.94	17.92	18.89	20.82
NII Growth	-	-4.22%	18.53%	38.18%	11.51%	-8.42%

Revenue by Segment

	2021	2022	2023	2024
Gain (Loss) On Sale Of Other Real Estate Owned	-	-	-52K	494K
Gain (Loss) On Sale Of Other Real Estate Owned Growth	-	-	-	1050.00%
Debit Card	-	-	220K	209K
Debit Card Growth	-	-	-	-5.00%
Deposit Account	-	-	176K	204K
Deposit Account Growth	-	-	-	15.91%
Other Noninterest	-	-	133K	124K
Other Noninterest Growth	-	-	-	-6.77%
Financial Service, Other	-	-	-	72K
Financial Service, Other Growth	-	-	-	-
Financial Service Other	-	-	104K	-
Financial Service Other Growth	-	-	-	-
Debit card income	216K	201K	-	-
Debit card income Growth	-	-6.94%	-	-
Service charges on deposit accounts	176K	185K	-	-
Service charges on deposit accounts Growth	-	5.11%	-	-
Other service charges	89K	86K	-	-
Other service charges Growth	-	-3.37%	-	-
Other non-interest income	160K	49K	-	-
Other non-interest income Growth	-	-69.38%	-	-

Frequently Asked Questions

Valuation & Price

PB Bankshares, Inc. (PBBK) has a price-to-earnings (P/E) ratio of 26.1x. This suggests investors expect higher future growth.

Growth & Financials

PB Bankshares, Inc. (PBBK) grew revenue by 17.8% over the past year. This is strong growth.

Yes, PB Bankshares, Inc. (PBBK) is profitable, generating $2.3M in net income for fiscal year 2024 (7.3% net margin).

Dividend & Returns

PB Bankshares, Inc. (PBBK) has a return on equity (ROE) of 3.7%. This is below average, suggesting room for improvement.

Industry Metrics

PB Bankshares, Inc. (PBBK) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.

PB Bankshares, Inc. (PBBK) has an efficiency ratio of 39.5%. This is excellent, indicating strong cost control.

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