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Company Analysis

PB Bankshares, Inc. PBBK

A comprehensive view of key metrics, scores, and financial health for PB Bankshares, Inc.

Overview of PB Bankshares, Inc.

PBBK NCM
Financial Services Banks - Regional
PB Bankshares, Inc. (PBBK), in the Banks - Regional industry, +20.5% 1Y return.
-
0.00%
As of Jan. 7, 2026
Previous close • Vol 90d: 22.4%
52-Week Range
Enterprise Value
$40.74M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.presencebank.com
HQ Coatesville, PA
Employees 37
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$12
$22
$41
Current: $None

Engine Room Money Flow™

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$23.5M
18.4%%
Interest Expense
$12.4M
Net Interest Income
$11.1M
-8.4%%
Total Revenue
$11.8M
-8.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
3.6%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$1.8M
99.1% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating PB Bankshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
34
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
48
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 82% Coverage
Trade-Off Triangle Visualization A ternary plot showing PBBK's balance between Growth (37.8%), Profitability (34.3%), and Safety (27.9%). Growth 38% Safety 28% Profitability 34%

Click axes to expand details. Marker shows current allocation.

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Growth

22th percentile vs peers
22
Key Signals
Asset Growth YoY 2.6% 39p Revenue CAGR 3Y 11.4% 25p Rev Growth YoY -8.1% 5p
Strengths

No notable strengths identified for this axis.

Risks
  • Rev Growth Yoy in bottom 20% of peers (-8.1%)

Profitability

20th percentile vs peers
20
Key Signals
Strengths
Risks
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Safety

16th percentile vs peers
16
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for PB Bankshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
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- upside
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Base
$22.12
- - -
- upside
Snapshot base estimate
Bull
-
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- upside
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Fair Value Range Current: $-
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