EN DE
Watch PB Financial Corporation for free: we tell you when fair value or trend changes.
Data-driven stock valuation

PB Financial Corporation (PBNC) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of PB Financial Corporation stock $57.08, price $74.25, that is 23.1% below the price, quality 44 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

  1. Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free

Financial Services US

PF PB Financial Corporation logo Some data Nov 8, 2026

PB Financial Corporation

PBNC · US
Expensive, weak quality

Our calculation puts a fair price 23% below what the stock costs today.

Healthy Growth (revenue 5y +23.5 %/yr in USD)
Highly profitable · 44.7% net margin (TTM)
3.3% dividend yield · Low payout
Ranks above peers (8/13)
Positive coverage
Costs just 9.5 times its yearly profit.
Quality 44/100
Wide moat 70/100 · thin data
Some data
Fair value $57.08 · Overvalued
⚠ Thinly traded
Watch PB Financial Corporation for free: we tell you when fair value or trend changes. Watch for free

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$78.23 $28.52 Fair Value $57.08 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $28.52 – $78.23 · fair‑value band $47.20 – $79.69 · the $74.25 price screens above the $57.08 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

Follow PB Financial in your weekly email

Every Wednesday you see whether PB Financial is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

Company profile

PB Financial Corporation operates as the financial holding company for Providence Bank that provides commercial and retail banking products and services.

Show moreShow less

The company offers checking accounts, savings accounts, money market accounts, certificate of deposit (CD), and individual retirement accounts; personal loans, home equity line of credit, advantage line of credit, and mortgage lending products; and business loans for purchasing land and buildings, making leasehold improvements, refinancing debt, accessing working capital, and investing in property, as well as for buying machinery, equipment, and vehicles.

It also provides debit and credit cards; online and mobile banking services; and cash management services, such as ACH transactions, remote deposit capture, account sweep, and merchant services.

The company has its branches in North Carolina communities in Holly Ridge, Jacksonville, Morehead City, Nashville, Raleigh, Richlands, Rocky Mount (2 locations), Tarboro, and Wilson, as well as New Bern. PB Financial Corporation was incorporated in 2006 and is based in Rocky Mount, North Carolina.

Stock analysis

PB Financial Corporation (PBNC) currently trades at $74.25, while our model-based Fair Value estimate is $57.08, 23% below the price, so the stock looks overvalued today.

Show more

Valuation

Bull case: the Multiples group reads highest at a median of $79.56 per share, and 1 of the 6 models we run sit above the $74.25 price.

Bear case: the Asset-Based group reads lowest at $31.75, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $47.20 (bear) to $79.69 (bull), the price of $74.25 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 44/100 (below-average quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

PB Financial Corporation reported revenue of $52.9M in FY2025 versus $22.7M in FY2021, a compound +23.5%/yr. Reported net income was $22.8M in FY2025, compounding +23.5%/yr from FY2021.

Key figures

Market cap $221M Micro · P/E ratio 9.5 · P/S ratio 3.88 · EPS (TTM) $7.79 · Dividend yield 3.3% · Net margin 44.7% · Return on equity 16.5% · Return on assets (EBIT) 1.7% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 70 out of 100 (low confidence).

What moves the price

The share trades about 5% below its 52-week high and 45% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −23%, PBNC screens cheaper than that median.

Fair Value models

Bear $47.20 Fair Value $57.08 Bull $79.69
Price $74.25 · Downside -23.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($4.57 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $47.20 $57.08 $79.69 76
Gordon GGM $20.61 $36.66 $49.93 68
DDM Multi-Stage $20.61 $33.72 $39.22 67
All 6 models by family
Dividend Discount
Gordon GGM $20.61 $36.66 $49.93 68
DDM Multi-Stage $20.61 $33.72 $39.22 67
Multiples
P/E Multiple $73.64 $98.19 $122.74 63
P/B Multiple $45.70 $60.93 $76.16 55
Asset-Based
NCAV (Graham) $23.69 $31.75 $47.38 54
Economic Profit
Residual Income $47.20 $57.08 $79.69 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 44/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 38
How much profit the company makes from its sales and capital
Quality Growth 55
Are margins and returns getting better?
Cashflow 84
Do the profits arrive as real cash?
Financial strength 6
Debt, balance sheet and risk of trouble
Investment 36
Does it invest with discipline instead of growing at any price?
Low Volatility 90
How calm the share price moves, does not count
Price momentum 59
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 84
Distance to the 52-week high, does not count
New shares 29
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+21.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+23.5%
Start year 2020 (pandemic). Over 10 years: +19.9% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.7%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+22.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+19.0%
Dividend (yield on the price)3.3%

PBNC screens overvalued: fair value 23% below the price. Compare with China Merchants Bank Co →

Earlier news

News mood ⓘNews mood, the average tone of recent news (11 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive
Recent news coverage is more positive than average.

Compare PB Financial Corporation with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 44 · Bottom 25%
Fair Value upside −23.1% · Below median
Profitability
Return on equity (12 months) 16.5% · Top 25%
Return on assets 1.6% · Top 25%
Net margin (12 months) 44.7% · Top 25%
Operating margin (12 months) 60.3% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 10.4% · Above median
Dividend yield (12 months) 3.3% · Above median
Balance sheet
Debt / equity 0.31× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 9.5× · Cheaper than median
P/B 1.44× · Pricier than median
P/S (12 months) 3.88× · Pricier than median
Price / free cash flow (fiscal year) 9.3× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)3 · sector 8
FUTURE (revenue growth)52 · sector 47
PAST (return on equity)66 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)66 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs PBNC
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs PBNC
BNP Paribas SA BNP €91.93 €106.01 +15% vs PBNC
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs PBNC
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs PBNC
UniCredit S.p.A UCG €76.80 €50.44 −34% vs PBNC
Mizuho Financial Group MFG $9.40 $5.89 −37% vs PBNC
DBS Group D05 69.72 SGD 40.39 SGD −42% vs PBNC
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs PBNC
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs PBNC

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend StocksUndervalued 52-Week Low Stocks

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Free calculator Peter Lynch Fair Value Formula &…Free calculator
Run the numbers yourself: free valuation calculators
DCF CalculatorP/E Ratio CalculatorPEG Ratio CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorIntrinsic ValueIntrinsic vs Extrinsic ValueP/E Ratio by Sector
For bloggers & editors: embed code + live data

For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.

PB Financial Corporation: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "PB Financial Corporation Fair Value". https://www.fairvalue-calculator.com/stock/PBNC

Frequently asked questions

Is PB Financial Corporation (PBNC) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $57.08 versus a price of $74.25, about 23% lower (overvalued).
What is the fair value of PBNC?
Our model-based fair value for PB Financial Corporation is $57.08 (as of Nov 8, 2026), built from audited fundamentals. The current price: $74.25.
What is the quality score of PBNC?
PB Financial Corporation has a Quality Score of 44/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for PB Financial Corporation (PBNC)?
Our model-based price target is the fair value of $57.08 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $47.20, optimistic scenario $79.69. It is a calculation from audited fundamentals, not an analyst target.
What is the PB Financial Corporation stock forecast for 2026?
Our models put fair value at $57.08, about 23% lower versus a price of $74.25 (overvalued). Cautious scenario $47.20, optimistic scenario $79.69. The calculation is refreshed regularly with new filings.
What is the revenue of PB Financial Corporation (PBNC)?
PB Financial Corporation reported trailing-twelve-month revenue of about $57.0M (latest available figure, as of Nov 8, 2026).
Does PB Financial Corporation pay a dividend?
PB Financial Corporation currently shows a dividend yield of 3.31% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of PB Financial Corporation (PBNC) and when is the ex-dividend date?
PB Financial Corporation pays a dividend of $2.46 per share a year, a dividend yield of 3.3%. The last ex-dividend date was Aug 3, 2026. A dividend has been paid every year since at least 2020. The payout ratio is 31.6% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of PB Financial Corporation (PBNC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For PB Financial Corporation it is $57.08 per share (as of Nov 8, 2026), against a price of $74.25. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is PB Financial Corporation stock overvalued or undervalued in 2026?
As of Nov 8, 2026, PBNC trades above its calculated fair value: price $74.25, fair value $57.08, a gap of about −23% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PBNC?
No. The price is what the market pays today ($74.25); the fair value is what the company's own numbers justify ($57.08). For PB Financial Corporation the two are $17.17 per share apart. That gap is exactly why we show both numbers side by side.
How much is PB Financial Corporation worth?
The market values PB Financial Corporation at about $221M (market capitalisation, as of Nov 8, 2026). Per share that is $74.25; our models calculate a fair value of $57.08 per share.
What do the bullish and bearish scenarios say about PBNC?
Our models span a range for PB Financial Corporation: cautious scenario $47.20, base $57.08, optimistic $79.69 per share (as of Nov 8, 2026, price $74.25). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PBNC?
PB Financial Corporation trades at a price-to-earnings ratio of 9.5 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $57.08 is built from several models across several years. Median P/E at fiscal year-end, 7 fiscal years (2019 to 2025), reported earnings: 7.7. Other multiples: P/B 1.4, P/S 3.9.
How solid is the balance sheet of PB Financial Corporation (PBNC)?
Balance-sheet figures for PB Financial Corporation (as of Nov 8, 2026): return on equity 16.5%, debt of 0.31 per unit of equity. They feed the Quality Score of 44/100, which measures business quality independently of the share price.
How far is PBNC from its 52-week high?
PB Financial Corporation trades at $74.25, about 5% below its 52-week high of $78.23 and 45% above the low of $51.20 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $57.08 is for.
Which stocks are comparable to PB Financial Corporation?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is PB Financial Corporation stock attractive at the current price?
The data as of Nov 8, 2026: price $74.25, calculated fair value $57.08 (−23%), Quality Score 44/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PBNC calculated?
We run PB Financial Corporation through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $57.08 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. PB Financial Corporation itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of PB Financial Corporation (PBNC)?
The closing price on Nov 6, 2026 was $74.25. Our model-based fair value is $57.08, about 23% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with PB Financial Corporation right now?
Weak quality (44/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of PB Financial Corporation

How large is the market capitalisation of PB Financial Corporation (PBNC)?
The market capitalisation of PB Financial Corporation is $221M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of PB Financial Corporation (PBNC)?
The price-to-sales ratio of PB Financial Corporation is 3.88 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of PB Financial Corporation (PBNC)?
Earnings per share at PB Financial Corporation are $7.79 (price ÷ EPS = P/E 9.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of PB Financial Corporation (PBNC)?
The dividend yield of PB Financial Corporation is 3.3% (payout 31.6%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of PB Financial Corporation (PBNC)?
The net margin of PB Financial Corporation is 44.7% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of PB Financial Corporation (PBNC)?
The return on equity (ROE) of PB Financial Corporation is 16.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of PB Financial Corporation (PBNC)?
On an EBIT basis the return on assets of PB Financial Corporation is 1.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of PB Financial Corporation (PBNC)?
The operating margin of PB Financial Corporation is 60.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at PB Financial Corporation (PBNC)?
Revenue at PB Financial Corporation is growing +10.4% versus a year earlier (3y avg +22.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at PB Financial Corporation (PBNC)?
Earnings per share at PB Financial Corporation are growing +12.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does PB Financial Corporation (PBNC) generate?
The free cash flow of PB Financial Corporation is $23.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does PB Financial Corporation (PBNC) carry?
The net debt of PB Financial Corporation is $28.6M (fiscal year 2025, ≈ 1.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed

Watch PB Financial Corporation in the live analysis

One click puts PB Financial Corporation on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.