XNASPBBK
Market cap38mUSD
Jan 06, Last price
15.25USD
1D
-0.20%
1Q
0.20%
IPO
15.76%
Name
PB Bankshares Inc
Chart & Performance
P/E
20.28
P/S
3.17
EPS
0.75
Div Yield, %
0.00%
Shrs. gr., 5y
—
Rev. gr., 5y
%
Revenues
12m
+8.37%
Net income
2m
-9.22%
CFO
4m
+15.19%
Profile
PB 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.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|
| 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | |
| Income | |||||
Revenues | 12,267 8.37% | 11,320 33.04% | |||
Cost of revenue | 6,024 | 4,819 | |||
Unusual Expense (Income) | |||||
NOPBT | 6,243 | 6,501 | |||
NOPBT Margin | 50.89% | 57.43% | |||
Operating Taxes | 545 | 531 | |||
Tax Rate | 8.73% | 8.17% | |||
NOPAT | 5,698 | 5,970 | |||
Net income | 1,919 -9.22% | 2,114 169.30% | |||
Dividends | |||||
Dividend yield | |||||
Proceeds from repurchase of equity | (2,145) | (518) | |||
BB yield | 6.88% | 1.49% | |||
| Debt | |||||
Debt current | 11,057 | ||||
Long-term debt | 43,604 | 47,638 | |||
Deferred revenue | (245) | ||||
Other long-term liabilities | 345,568 | 291,266 | |||
Net debt | (111,172) | (62,179) | |||
| Cash flow | |||||
Cash from operating activities | 3,882 | 3,370 | |||
CAPEX | (641) | (145) | |||
Cash from investing activities | (37,440) | (81,822) | |||
Cash from financing activities | 48,792 | 68,792 | |||
FCF | 316,713 | (415,469) | |||
| Balance | |||||
Cash | 85,868 | 68,065 | |||
Long term investments | 68,908 | 52,809 | |||
Excess cash | 154,163 | 120,308 | |||
Stockholders' equity | 22,874 | 22,874 | |||
Invested Capital | 416,874 | 372,829 | |||
ROIC | 1.44% | 2.33% | |||
ROCE | 1.42% | 1.64% | |||
| EV | |||||
Common stock shares outstanding | 2,488 | 2,566 | |||
Price | 12.54 -7.66% | 13.58 -0.07% | |||
Market cap | 31,195 -10.49% | 34,852 0.37% | |||
EV | (79,977) | (27,327) | |||
EBITDA | 6,569 | 6,789 | |||
EV/EBITDA | |||||
Interest | 7,718 | 2,956 | |||
Interest/NOPBT | 123.63% | 45.47% | |||