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Pb Bankshares Inc Financials

PBBK
Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Pb Bankshares Inc (PBBK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 5 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Profitability Growth Leverage Liquidity Cash Flow Returns 76 / 100
Financial Profile 76/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth
100

Pb Bankshares Inc's revenue surged 89.8% year-over-year to $1.1M, reflecting rapid business expansion. This strong growth earns a score of 100/100.

Leverage
84

Pb Bankshares Inc carries a low D/E ratio of 0.87, meaning only $0.87 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 84/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow
100

Pb Bankshares Inc converts 130.4% of revenue into free cash flow ($1.4M). This strong cash generation earns a score of 100/100.

Returns
19

Pb Bankshares Inc generates a 3.6% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 19/100. This is down from 4.1% the prior year.

Piotroski F-Score Neutral
6/9

Pb Bankshares Inc passes 6 of 9 financial strength tests. 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed
1.03x

For every $1 of reported earnings, Pb Bankshares Inc generates $1.03 in operating cash flow ($1.8M OCF vs $1.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue
$1.1M
YoY+89.8%

Pb Bankshares Inc generated $1.1M in revenue in fiscal year 2024. This represents an increase of 89.8% from the prior year.

EBITDA
N/A
Net Income
$1.8M
YoY-7.7%

Pb Bankshares Inc reported $1.8M in net income in fiscal year 2024. This represents a decrease of 7.7% from the prior year.

EPS (Diluted)
$0.76
YoY-1.3%

Pb Bankshares Inc earned $0.76 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 1.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow
$1.4M
YoY-55.6%

Pb Bankshares Inc generated $1.4M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 55.6% from the prior year.

Cash & Debt
$37.8M
YoY+16.5%

Pb Bankshares Inc held $37.8M in cash against $42.5M in long-term debt as of fiscal year 2024.

Dividends Per Share
N/A
Shares Outstanding
3M
YoY-4.8%

Pb Bankshares Inc had 3M shares outstanding in fiscal year 2024. This represents a decrease of 4.8% from the prior year.

Margins & Returns

Gross Margin
N/A
Operating Margin
N/A
Net Margin
160.7%
YoY-169.6pp

Pb Bankshares Inc's net profit margin was 160.7% in fiscal year 2024, showing the share of revenue converted to profit. This is down 169.6 percentage points from the prior year.

Return on Equity
3.6%
YoY-0.4pp

Pb Bankshares Inc's ROE was 3.6% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 0.4 percentage points from the prior year.

Capital Allocation

R&D Spending
N/A
Share Buybacks
$1.8M
YoY-18.1%

Pb Bankshares Inc spent $1.8M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 18.1% from the prior year.

Capital Expenditures
$381K
YoY-40.6%

Pb Bankshares Inc invested $381K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 40.6% from the prior year.

PBBK Income Statement

Metric Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24 Q1'24 Q4'23
Revenue $178K-19.8% $222K+19.4% $186K-70.5% $631K+232.1% $190K+35.7% $140K-1.4% $142K+22.4% $116K
Cost of Revenue N/A N/A N/A N/A N/A N/A N/A N/A
Gross Profit N/A N/A N/A N/A N/A N/A N/A N/A
R&D Expenses N/A N/A N/A N/A N/A N/A N/A N/A
SG&A Expenses N/A N/A N/A N/A N/A N/A N/A N/A
Operating Income N/A N/A N/A N/A N/A N/A N/A N/A
Interest Expense $2.9M-2.8% $3.0M+3.0% $2.9M-6.1% $3.1M-3.1% $3.2M+1.3% $3.1M+5.5% $3.0M+20.7% $2.5M
Income Tax $211K+22.7% $172K+33.3% $129K-25.9% $174K+56.8% $111K+8.8% $102K+15.9% $88K-29.6% $125K
Net Income $519K0.0% $519K+9.7% $473K-26.9% $647K+60.1% $404K0.0% $404K+27.4% $317K-22.5% $409K
EPS (Diluted) $0.22-18.5% $0.27+35.0% $0.20 N/A $0.18+12.5% $0.16+23.1% $0.13 N/A

PBBK Balance Sheet

Metric Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24 Q1'24 Q4'23
Total Assets $456.4M-1.7% $464.1M-0.6% $467.1M+3.5% $451.3M-0.3% $452.9M+0.8% $449.0M-0.3% $450.4M+2.4% $439.7M
Current Assets N/A N/A N/A N/A N/A N/A N/A N/A
Cash & Equivalents $55.3M-1.1% $55.9M-10.9% $62.8M+66.1% $37.8M-30.7% $54.5M-0.4% $54.7M-18.1% $66.8M+105.9% $32.4M
Inventory N/A N/A N/A N/A N/A N/A N/A N/A
Accounts Receivable N/A N/A N/A N/A N/A N/A N/A N/A
Goodwill N/A N/A N/A N/A N/A N/A N/A N/A
Total Liabilities $405.1M-2.1% $413.8M-0.9% $417.6M+3.7% $402.7M-0.6% $405.2M+0.7% $402.4M-0.3% $403.7M+2.8% $392.8M
Current Liabilities N/A N/A N/A N/A N/A N/A N/A N/A
Long-Term Debt $43.6M-0.7% $43.9M-0.7% $44.2M+4.0% $42.5M-6.2% $45.2M-10.5% $50.5M-0.6% $50.8M-7.8% $55.1M
Total Equity $51.4M0.0% $51.4M+2.0% $50.3M+3.5% $48.7M+2.0% $47.7M0.0% $47.7M+2.3% $46.6M-0.8% $47.0M
Retained Earnings $30.0M+1.8% $29.4M+2.2% $28.8M+1.7% $28.3M+2.5% $27.6M+1.5% $27.2M+1.4% $26.9M+1.2% $26.6M

PBBK Cash Flow Statement

Metric Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24 Q1'24 Q4'23
Operating Cash Flow $779K-42.4% $1.4M+568.2% -$289K-138.2% $757K+8.6% $697K-24.6% $925K+265.2% -$560K-145.8% $1.2M
Capital Expenditures $24K+33.3% $18K-78.8% $85K-73.4% $320K+841.2% $34K+277.8% $9K-50.0% $18K+500.0% $3K
Free Cash Flow $755K-43.4% $1.3M+457.0% -$374K-185.6% $437K-34.1% $663K-27.6% $916K+258.5% -$578K-147.4% $1.2M
Investing Cash Flow $7.3M+296.3% -$3.7M-136.6% $10.1M+171.8% -$14.1M-335.3% -$3.2M+69.0% -$10.4M-142.6% $24.4M+207.1% -$22.8M
Financing Cash Flow -$8.7M-92.9% -$4.5M-129.7% $15.2M+543.8% -$3.4M-246.7% $2.3M+190.9% -$2.6M-124.4% $10.5M-63.7% $28.9M
Dividends Paid N/A N/A N/A N/A N/A N/A N/A N/A
Share Buybacks $0 $0 $0-100.0% $21K-90.5% $222K-73.7% $845K+26.5% $668K-16.8% $803K

PBBK Financial Ratios

Metric Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24 Q1'24 Q4'23
Gross Margin N/A N/A N/A N/A N/A N/A N/A N/A
Operating Margin N/A N/A N/A N/A N/A N/A N/A N/A
Net Margin 291.6%+57.8pp 233.8%-20.5pp 254.3%+151.8pp 102.5%-110.1pp 212.6%-75.9pp 288.6%+65.3pp 223.2%-129.3pp 352.6%
Return on Equity 1.0%0.0pp 1.0%+0.1pp 0.9%-0.4pp 1.3%+0.5pp 0.9%0.0pp 0.9%+0.2pp 0.7%-0.2pp 0.9%
Return on Assets 0.1%0.0pp 0.1%+0.0pp 0.1%-0.0pp 0.1%+0.1pp 0.1%0.0pp 0.1%+0.0pp 0.1%-0.0pp 0.1%
Current Ratio N/A N/A N/A N/A N/A N/A N/A N/A
Debt-to-Equity 0.850.0 0.85-0.0 0.880.0 0.87-0.1 0.95-0.1 1.06-0.0 1.09-0.1 1.17
FCF Margin 424.2%-177.2pp 601.3%+802.4pp -201.1%-270.3pp 69.3%-279.7pp 348.9%-305.3pp 654.3%+1061.3pp -407.0%-1457.9pp 1050.9%

Frequently Asked Questions

Pb Bankshares Inc (PBBK) reported $1.1M in total revenue for fiscal year 2024. This represents a 89.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

Pb Bankshares Inc (PBBK) revenue grew by 89.8% year-over-year, from $581K to $1.1M in fiscal year 2024.

Yes, Pb Bankshares Inc (PBBK) reported a net income of $1.8M in fiscal year 2024, with a net profit margin of 160.7%.

Pb Bankshares Inc (PBBK) reported diluted earnings per share of $0.76 for fiscal year 2024. This represents a -1.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

As of fiscal year 2024, Pb Bankshares Inc (PBBK) had $37.8M in cash and equivalents against $42.5M in long-term debt.

Pb Bankshares Inc (PBBK) had a net profit margin of 160.7% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Pb Bankshares Inc (PBBK) has a return on equity of 3.6% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

Pb Bankshares Inc (PBBK) generated $1.4M in free cash flow during fiscal year 2024. This represents a -55.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

Pb Bankshares Inc (PBBK) generated $1.8M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

Pb Bankshares Inc (PBBK) had $451.3M in total assets as of fiscal year 2024, including both current and long-term assets.

Pb Bankshares Inc (PBBK) invested $381K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Yes, Pb Bankshares Inc (PBBK) spent $1.8M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

Pb Bankshares Inc (PBBK) had 3M shares outstanding as of fiscal year 2024.

Pb Bankshares Inc (PBBK) had a debt-to-equity ratio of 0.87 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

Pb Bankshares Inc (PBBK) had a return on assets of 0.4% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

Pb Bankshares Inc (PBBK) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Pb Bankshares Inc (PBBK) has an earnings quality ratio of 1.03x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Pb Bankshares Inc (PBBK) scores 76 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.

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