PB Bankshares, Inc.

Symbol: PBBK

NASDAQ

13

USD

Market price today

  • 17.4428

    P/E Ratio

  • -0.1136

    PEG Ratio

  • 35.29M

    MRK Cap

  • 0.00%

    DIV Yield

PB Bankshares, Inc. (PBBK) Stock Price & Analysis

Shares Outstanding

2.63M

Gross Profit Margin

0.80%

Operating Profit Margin

0.55%

Net Profit Margin

0.13%

Return on Assets

0.00%

Return on Equity

0.04%

Return on Capital Employed

0.05%

Company general description and statistics

Sector: Financial Services
Industry: Banks - Regional
CEO:Mr. Janak M. Amin
Full-time employees:35
City:Coatesville
Address:185 East Lincoln Highway
IPO:2021-07-15
CIK:0001849670

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.

General Outlook

In simple terms, PB Bankshares, Inc. has 2.635 M shares that people are buying and selling right now. When we look at how much money they make before expenses, they keep 0.802% as profit. This shows they're good at controlling costs and are financially stable. Their operating profit, which is money made from regular business activities, is 0.553%. This means they run their business efficiently. Lastly, after paying all their bills, they still have a profit of 0.126%. This tells us they're good at keeping money after all costs.

Return on Investments

The company's asset efficiency, represented by a robust 0.004% return, is a testament to PB Bankshares, Inc.'s adeptness in optimizing resource deployment. PB Bankshares, Inc.'s utilization of its assets to generate profits is strikingly evident through a noteworthy return on equity of 0.041%. Furthermore, the proficiency of PB Bankshares, Inc. in capital utilization is underscored by a remarkable 0.053% return on capital employed.

Stock Prices

PB Bankshares, Inc.'s stock prices have been subject to undulating patterns. The peak stock value during this interval surged to $12.9, while its low point bottomed out at $12.85. This variance in figures offers investors a lucid insight into the roller-coaster ride that is PB Bankshares, Inc.'s stock market.

Liquidity Ratios

Analyzing PBBK liquidity ratios reveals its financial health of the firm. The current ratio of 11.94% gauges short-term asset coverage for liabilities. The quick ratio (31.06%) assesses immediate liquidity, while the cash ratio (6.47%) indicates cash reserves.

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Current Ratio11.94%
Quick Ratio31.06%
Cash Ratio6.47%

Profitability Ratios

PBBK profitability indicators offer a lens into its earnings landscape. A pretax profit margin of 16.14% underscores its earnings before tax deductions. The effective tax rate stands at 22.12%, revealing its tax efficiency. The net income per EBT, 77.88%, and the EBT per EBIT, 29.19%, provide insights into its earnings hierarchy. Lastly, with an EBIT per revenue ratio of 55.28%, we grasp its operational profitability.

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Pretax Profit Margin16.14%
Effective Tax Rate22.12%
Net Income per EBT77.88%
EBT per EBIT29.19%
EBIT per Revenue55.28%

Operational Efficiency

Operational metrics shed light on its business agility. With an operating cycle of 0.12, it details the span from stock purchase to revenue.

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Days of Sales Outstanding31
Days of Inventory Outstanding-10566
Operating Cycle-10535.88
Cash Conversion Cycle-10536
Receivables Turnover12.19
Inventory Turnover-0.03
Fixed Asset Turnover7.42
Asset Turnover0.03

Cash Flow Ratios

Peering into the cash flow metrics reveals liquidity and operational efficiency. The operating cash flow per share, 1.45, and free cash flow per share, 1.21, depict cash generation on a per-share basis. The cash per share value, 32.23, showcases liquidity position. Lastly, the operating cash flow sales ratio, 0.25, offers insight into cash flow relative to sales.

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Operating Cash Flow per Share1.45
Free Cash Flow per Share1.21
Cash per Share32.23
Operating Cash Flow Sales Ratio0.25
Free Cash Flow to Operating Cash Flow Ratio0.83
Cash Flow Coverage Ratio0.07
Short Term Coverage Ratio0.34
Capital Expenditure Coverage Ratio6.06
Dividend Paid and Capex Coverage Ratio5.97

Debt and Leverage Ratios

Diving into debt and leverage metrics unveils the company's financial structure. The debt ratio, at 12.52%, highlights its total liabilities relative to assets. With a debt-equity ratio of 1.17, we discern the balance between debt and equity financing. The long-term debt to capitalization, 48.13%, and total debt to capitalization, 53.97%, ratios shed light on its capital structure. An interest coverage of 1.09 indicates its ability to manage interest expenses.

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Debt Ratio12.52%
Debt Equity Ratio1.17
Long Term Debt to Capitalization48.13%
Total Debt to Capitalization53.97%
Interest Coverage1.09
Cash Flow to Debt Ratio0.07
Company Equity Multiplier9.37

Per Share Data

Speaking about the per share data offers a perceptive view of financial distribution. The revenue per share, 8.37, provides a glimpse into top-line earnings distributed across each share. Net income per share, 0.78, reflects the portion of profit attributed to each share. The book value per share, 19.03, represents the net asset value distributed per share, while the tangible book value per share, 19.03, excludes intangible assets.

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Revenue Per Share8.37
Net Income Per Share0.78
Book Value Per Share19.03
Tangible Book Value Per Share19.03
Shareholders Equity Per Share19.03
Interest Debt Per Share25.44
Capex Per Share-0.48

Growth Ratios

Delving into growth metrics provides a snapshot of financial expansion. The revenue growth rate, 82.49%, indicates top-line expansion, while the gross profit growth, 82.13%, reveals profitability trends. EBIT growth, 268.09%, and operating income growth, 268.09%, offer insights into operational profitability progression. The net income growth, -9.22%, showcases bottom-line expansion, and the EPS growth, -4.88%, measures the growth in earnings per share.

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Revenue Growth82.49%
Gross Profit Growth82.13%
EBIT Growth268.09%
Operating Income Growth268.09%
Net Income Growth-9.22%
EPS Growth-4.88%
EPS Diluted Growth-6.10%
Weighted Average Shares Growth-3.77%
Weighted Average Shares Diluted Growth-3.07%
Dividends per Share Growth-100.00%
Operating Cash Flow Growth15.19%
Free Cash Flow Growth-16.56%
10-Year Revenue Growth per Share213.48%
5-Year Revenue Growth per Share213.48%
3-Year Revenue Growth per Share225.69%
10-Year Operating CF Growth per Share195.98%
5-Year Operating CF Growth per Share195.98%
3-Year Operating CF Growth per Share2019.25%
10-Year Net Income Growth per Share177.03%
5-Year Net Income Growth per Share177.03%
3-Year Net Income Growth per Share620.02%
10-Year Shareholders Equity Growth per Share138.00%
5-Year Shareholders Equity Growth per Share138.00%
3-Year Shareholders Equity Growth per Share140.54%
Receivables Growth11.58%
Inventory Growth-130.84%
Asset Growth13.89%
Book Value per Share Growth6.19%
Debt Growth15.67%
SGA Expenses Growth25.01%

Other Metrics

Venturing into other key metrics unveils diverse facets of financial performance. The enterprise value, 67,816,395.26, captures the company's total value, considering both debt and equity. Income quality, 2.02, assesses the reliability of reported earnings. The ratio of intangibles to total assets, 88.54%, indicates the value of non-physical assets, and capex to operating cash flow, -30.68%, measures reinvestment capability.

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Enterprise Value67,816,395.26
Income Quality2.02
Sales General and Administrative to Revenue0.28
Intangibles to Total Assets88.54%
Capex to Operating Cash Flow-30.68%
Capex to Revenue-5.77%
Capex to Depreciation-529.33%
Stock-Based Compensation to Revenue3.31%
Graham Number18.24
Return on Tangible Assets3.80%
Graham Net Net-141.52
Working Capital-248,437,000
Tangible Asset Value-342,798,000
Net Current Asset Value-359,550,000
Invested Capital1
Average Receivables1,188,000
Average Payables-104,586,000
Average Inventory97,703,500
Days Sales Outstanding22
Days of Inventory On Hand-775589
ROIC15.73%
ROE0.04%

Valuation Ratios

Exploring the valuation ratios offers insights into perceived market value. The price to book value ratio, 0.71, and the price to book ratio, 0.71, reflect the market's valuation relative to the company's book value. The price to sales ratio, 2.16, provides a perspective on valuation in relation to sales. Ratios like price to free cash flows, 10.15, and price to operating cash flows, 8.62, gauge market valuation against cash flow metrics.

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Price Book Value Ratio0.71
Price to Book Ratio0.71
Price to Sales Ratio2.16
Price Cash Flow Ratio8.62
Price Earnings to Growth Ratio-0.11
Enterprise Value Multiple-1.31
Price Fair Value0.71
Price to Operating Cash Flow Ratio8.62
Price to Free Cash Flows Ratio10.15
Price to Tangible Book Ratio0.66
Enterprise Value to Sales3.28
Enterprise Value Over EBITDA301.41
EV to Operating Cash Flow17.47
Earnings Yield6.20%
Free Cash Flow Yield8.69%
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Frequently Asked Question

How many company shares are outstanding in 2024?

There are stock number shares outstanding of PB Bankshares, Inc. (PBBK) on the NASDAQ in 2024.

What is P/E ratio of enterprise in 2024?

The current P/E ratio of enterprise is 17.443 in 2024.

What is the ticker symbol of PB Bankshares, Inc. stock?

The ticker symbol of PB Bankshares, Inc. stock is PBBK.

What is company IPO date?

IPO date of PB Bankshares, Inc. is 2021-07-15.

What is company current share price?

Current share price is 13.000 USD.

What is stock market cap today?

The market cap of stock today is 35294610.000.

What is PEG ratio in 2024?

The current -0.114 is -0.114 in 2024.

What is the number of employees in 2024?

In 2024 the company has 35.