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PB Financial Corporation (PBNC) Fair Value & Analysis

Financial Services · US · Market cap $208M

Price$68.49
Fair Value$98.38
Upside+43.6%
Quality95/100
Evidence: High Range $73.78 – $122.97

Fair value as of: Jun 26, 2026

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Analysis

PB Financial Corporation (PBNC) currently trades at $68.49, while our model-based Fair Value estimate is $98.38 — implying the stock looks roughly 43.6% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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

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Frequently asked questions

Is PB Financial Corporation (PBNC) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $98.38 versus a price of $68.49 — about +44% (undervalued). Model-based estimate, not financial advice.
What is the fair value of PBNC?
Our 21-model fair value for PB Financial Corporation is $98.38 (as of Jun 26, 2026), built from audited fundamentals. The current price is $68.49.
What is the quality score of PBNC?
PB Financial Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.