PB Bankshares, Inc.(PBBK)Earnings, Financials & Key Ratios
PBBK•NASDAQ•Banking & Credit
$19.81
26.1× P/E·Price updated Jun 20, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused 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 Equity3.71%-10.2%
- Net Interest Margin2.46%-10.8%
- Efficiency Ratio39.51%-16.4%
- ROA0.4%-14.4%
- Equity / Assets10.78%+0.9%
- Book Value per Share20.82+10.2%
PBBK Price & Volume
PB Bankshares, Inc. (PBBK) stock price & volume — 10-year historical chart
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Strategic Expansion Efforts Face Persistent Margin Compression
Investment Thesis • Updated 2025Q3
VerdictNeutral
Growth:Accelerating
Profitability:Strained
Financial:Healthy
Cash Flow:Mixed
Primary Risk:CRE concentration and NIM
Key Thesis Takeaways
- PB Bankshares is currently navigating a transition phase characterized by aggressive geographic expansion through new loan production offices, which has successfully driven a 19.5% year-over-year increase in net interest income as of 2025Q3.
- However, the bank's profitability remains constrained by a stagnant 0.7% net interest margin and significant volatility in credit provisioning, which ranged from a negative $84,000 to a positive $61,000 over recent periods.
- Investors should monitor whether the bank can scale its operations effectively enough to overcome these margin headwinds and justify its current 26.07 TTM P/E valuation.
Verdict Logic
while the bank shows promising 19.5% year-over-year net interest income growth, the persistent 0.7% net interest margin and lack of shareholder returns warrant a cautious wait-and-see approach.
PBBK Growth Metrics
PB Bankshares, Inc. (PBBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years19.61%
3 Years31.14%
TTM-
Profit CAGR
10 Years-
5 Years17.87%
3 Years31.18%
TTM54.2%
EPS CAGR
10 Years-
5 Years22.1%
3 Years34.84%
TTM53.13%
Return on Capital
10 Years1.77%
5 Years1.73%
3 Years2.68%
Last Year2.2%
Peers Comparison
Key metrics vs top competitors for PB Bankshares, Inc. (PBBK)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $19.81 | $47.04M | 26.07 | 17.75% | 7.34% | 3.71% | — | |
| $23.54 | $227.02M | 16.12 | -9.41% | 16.49% | 8% | — | |
| $25.10 | $178.65M | 14.26 | -1.44% | 12.96% | 7.98% | — | |
| $75.58 | $364.28M | 24.15 | -6.46% | 12.83% | 7.33% | — | |
| $30.54 | $276.11M | 15.58 | 27.11% | 18.05% | 11.51% | — | |
| $37.66 | $239.83M | 15.12 | 7.88% | 20.41% | 9.76% | — |
Compare PBBK vs Peers
PB Bankshares, Inc. (PBBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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PBBK Frequently Asked Questions
PB Bankshares, Inc. (PBBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is PB Bankshares, Inc. growing?
PB Bankshares, Inc. (PBBK) grew revenue by 17.8% over the past year. This is strong growth.
Is PBBK profitable?
Yes, PB Bankshares, Inc. (PBBK) is profitable, generating $2.3M in net income for fiscal year 2024 (7.3% net margin).
Dividend & Returns
What is PBBK's return on equity?
PB Bankshares, Inc. (PBBK) has a return on equity (ROE) of 3.7%. This is below average, suggesting room for improvement.
Industry Metrics
What is PB Bankshares, Inc.'s net interest margin?
PB Bankshares, Inc. (PBBK) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.
What is PB Bankshares, Inc.'s efficiency ratio?
PB Bankshares, Inc. (PBBK) has an efficiency ratio of 39.5%. This is excellent, indicating strong cost control.