What is Pb Bankshares Inc's earnings per share (EPS)?

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.

Pb Bankshares Inc (PBBK) Financials

PBBK

Trailing 12 months to September 30, 2025

Revenue $14.0M +17.7% YoY

Net Income $2.2M +40.7% YoY

EPS (Diluted) $0.98 +53.1% YoY

Free Cash Flow $2.2M -3.0% YoY

Source SEC Filings (10-K/10-Q) Latest period Q3 FY2025, ended Sep 30, 2025 Reported Nov 14, 2025 Currency USD FYE December

Newest figures come from the 10-Q for Q3 FY2025, filed Nov 14, 2025. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the PBBK SEC filings page.

Pb Bankshares Inc (PBBK) reported $14.0M in revenue over the twelve months to Sep 30, 2025, up 17.7% from the prior twelve months. This page shows its 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).

Rhea AI PBBK FY2024 2026-09-05

Liability-funded operations produce accounting profits, but rising interest costs are compressing cash conversion.

From FY2023 to FY2024, net margin eased from 14.9% to 14.3% while free-cash-flow margin fell from 25.1% to 11.6%, showing that cash generation weakened more sharply than reported profitability. Interest expense reached $12.4M while operating cash flow was only $1.8M, linking the thinner cash outcome to a heavier financing burden rather than to a major expansion in reinvestment.

FY2024 liabilities totaled $402.7M against equity of $48.7M, making the balance sheet structurally liability-heavy. Return on assets was just 0.4%, so the large asset base is generating modest economic returns relative to its funding burden.

Capital expenditures were only $381K while free cash flow was $1.4M; therefore, the weaker cash result was not driven by unusually heavy reinvestment. Operating cash generation, rather than expansion spending, is the more important swing factor in FY2024.

Financial Health Signals

Financial health score not available

Pb Bankshares Inc does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

5/7

Pb Bankshares Inc passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

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

$3.6M

YoY+16.8%

QoQ+1.9%

5Y CAGR+14.3%

Pb Bankshares Inc generated $3.6M in revenue in Q3 2025. This represents an increase of 16.8% from the same quarter a year earlier. Against the prior quarter it is up 1.9%.

Net Income

$519K

YoY+28.5%

QoQ0.0%

5Y CAGR+51.5%

Pb Bankshares Inc reported $519K in net income in Q3 2025. This represents an increase of 28.5% from the same quarter a year earlier. It is unchanged from the prior quarter.

EPS (Diluted)

$0.22

YoY+22.2%

QoQ-18.5%

Pb Bankshares Inc earned $0.22 per diluted share (EPS) in Q3 2025. This represents an increase of 22.2% from the same quarter a year earlier. Against the prior quarter it is down 18.5%.

EBITDA

Not reported for Q3 2025.

Cash & Balance Sheet

Free Cash Flow

$755K

YoY+13.9%

QoQ-43.4%

Pb Bankshares Inc generated $755K in free cash flow in Q3 2025, representing cash available after capex. This represents an increase of 13.9% from the same quarter a year earlier. Against the prior quarter it is down 43.4%.

Cash & Debt

$55.3M

YoY+1.4%

QoQ-1.1%

5Y CAGR+3.4%

Pb Bankshares Inc held $55.3M in cash against $43.6M in long-term debt as of Q3 2025.

Shares Outstanding

YoY0.0%

QoQ0.0%

Pb Bankshares Inc had 3M shares outstanding in Q3 2025. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Dividends Per Share

Not reported for Q3 2025.

Margins & Returns

Net Margin

14.3%

YoY+1.3pp

QoQ-0.3pp

5Y CAGR+10.8pp

Pb Bankshares Inc's net profit margin was 14.3% in Q3 2025, showing the share of revenue converted to profit. This is up 1.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.3 percentage points.

Return on Equity

1.0%

YoY+0.2pp

QoQ0.0pp

5Y CAGR+0.7pp

Pb Bankshares Inc's ROE was 1.0% in Q3 2025, measuring profit generated per dollar of shareholder equity. This is up 0.2 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.

Gross Margin

Not reported for Q3 2025.

Operating Margin

Not reported for Q3 2025.

Capital Allocation

Share Buybacks

YoY-100.0%

Pb Bankshares Inc repurchased no shares in Q3 2025. This represents a decrease of 100.0% from the same quarter a year earlier.

Capital Expenditures

$24K

YoY-29.4%

QoQ+33.3%

5Y CAGR-40.4%

Pb Bankshares Inc invested $24K in capex in Q3 2025, funding long-term assets and infrastructure. This represents a decrease of 29.4% from the same quarter a year earlier. Against the prior quarter it is up 33.3%.

R&D Spending

Not reported for Q3 2025.

PBBK Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

PBBK quarterly income statement

Metric	TTM	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K
Revenue	$14.0M	$12.4M-3.8%	$12.9M+5.0%	$12.3M+41.9%	$8.7M+18.6%	$7.3M
SG&A Expenses	$5.8M	$5.4M+3.2%	$5.2M+21.6%	$4.3M+7.3%	$4.0M+15.1%	$3.5M
Interest Expense	$11.9M	$12.4M+60.6%	$7.7M+161.1%	$3.0M+34.5%	$2.2M-9.6%	$2.4M
Income Tax	$686K	$475K-12.8%	$545K+2.6%	$531K+212.4%	$170K+221.4%	-$140K
Net Income	$2.2M	$1.8M-7.7%	$1.9M-9.2%	$2.1M+169.3%	$785K+289.2%	-$415K
EPS (Basic)	N/A	$0.77-1.3%	$0.78-4.9%	$0.82+164.5%	$0.31	N/A
EPS (Diluted)	$0.98	$0.76-1.3%	$0.77-6.1%	$0.82+164.5%	$0.31	N/A
Diluted Shares (Avg)	N/A	2M-6.0%	2M-3.1%	3M+0.4%	3M	N/A

Metric	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K
Revenue	$3.6M+16.8%	$3.6M+19.4%	$3.3M+17.9%	$3.5M+16.7%	$3.1M-3.9%	$3.0M-14.5%	$2.8M-11.4%	$3.0M-28.2%
SG&A Expenses	$1.4M+6.7%	$1.6M+17.1%	$1.5M+8.4%	$1.3M+7.7%	$1.4M+6.2%	$1.3M-1.2%	$1.4M+0.5%	$1.2M+20.5%
Interest Expense	$2.9M-8.9%	$3.0M-5.1%	$2.9M-2.9%	$3.1M+24.8%	$3.2M+51.8%	$3.1M+72.3%	$3.0M+125.2%	$2.5M+142.5%
Income Tax	$211K+90.1%	$172K+68.6%	$129K+46.6%	$174K+39.2%	$111K-21.3%	$102K-33.3%	$88K-30.2%	$125K-57.9%
Net Income	$519K+28.5%	$519K+28.5%	$473K+49.2%	$647K+58.2%	$404K-21.2%	$404K-31.3%	$317K-22.5%	$409K-63.1%
EPS (Basic)	$0.22+22.2%	$0.28+75.0%	$0.20+53.8%	$0.30+76.5%	$0.18-14.3%	$0.16-33.3%	$0.13-18.8%	$0.17-60.5%
EPS (Diluted)	$0.22+22.2%	$0.27+68.8%	$0.20+53.8%	$0.29+70.6%	$0.18-14.3%	$0.16-30.4%	$0.13-18.8%	$0.17-60.5%
Diluted Shares (Avg)	2M+4.2%	2M-0.2%	2M-3.3%	N/A	2M-6.4%	2M-5.9%	2M-5.3%	N/A

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

PBBK Balance Sheet

PBBK quarterly balance sheet

Metric	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K
Total Assets	$451.3M+2.6%	$439.7M+13.8%	$386.5M+22.7%	$314.9M+14.4%	$275.3M
Cash & Equivalents	$37.8M+16.5%	$32.4M+88.5%	$17.2M-36.0%	$26.9M-46.9%	$50.6M
Short-Term Investments	$50.3M-26.2%	$68.1M+30.9%	$52.0M	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0
Total Liabilities	$402.7M+2.5%	$392.8M+15.3%	$340.6M+26.6%	$269.1M+6.2%	$253.4M
Long-Term Debt	$42.5M-22.9%	$55.1M+15.7%	$47.6M+185.6%	$16.7M-18.8%	$20.6M
Total Equity	$48.7M+3.6%	$47.0M+2.2%	$46.0M+0.3%	$45.8M+108.6%	$22.0M
Retained Earnings	$28.3M+6.7%	$26.6M+7.2%	$24.8M+9.3%	$22.7M+3.6%	$21.9M

Metric	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K
Total Assets	$456.4M+0.8%	$464.1M+3.4%	$467.1M+3.7%	$451.3M+2.6%	$452.9M+10.7%	$449.0M+8.8%	$450.4M+14.6%	$439.7M+13.8%
Cash & Equivalents	$55.3M+1.4%	$55.9M+2.1%	$62.8M-6.0%	$37.8M+16.5%	$54.5M+116.5%	$54.7M+28.8%	$66.8M+91.1%	$32.4M+88.5%
Short-Term Investments	$30.2M-17.0%	$35.6M-1.3%	$38.5M+19.8%	$50.3M-26.2%	$36.4M-10.5%	$36.1M+3.6%	$32.1M	$68.1M+30.9%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$405.1M0.0%	$413.8M+2.8%	$417.6M+3.4%	$402.7M+2.5%	$405.2M+11.7%	$402.4M+9.8%	$403.7M+16.4%	$392.8M+15.3%
Long-Term Debt	$43.6M-3.7%	$43.9M-13.2%	$44.2M-13.1%	$42.5M-22.9%	$45.2M-12.8%	$50.5M+0.2%	$50.8M+6.5%	$55.1M+15.7%
Total Equity	$51.4M+7.7%	$51.4M+7.7%	$50.3M+8.0%	$48.7M+3.6%	$47.7M+2.4%	$47.7M+3.3%	$46.6M+0.7%	$47.0M+2.2%
Retained Earnings	$30.0M+8.4%	$29.4M+8.1%	$28.8M+7.2%	$28.3M+6.7%	$27.6M+5.7%	$27.2M+6.3%	$26.9M+7.3%	$26.6M+7.2%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities.

PBBK Cash Flow Statement

PBBK quarterly cash flow statement

Metric	TTM	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K
Operating Cash Flow	$2.6M	$1.8M-53.1%	$3.9M+15.2%	$3.4M+142.8%	$1.4M+573.8%	$206K
Depreciation & Amortization	N/A	$355K+8.9%	$326K+13.2%	$288K+67.4%	$172K-16.1%	$205K
Stock-Based Compensation	N/A	$553K+1.8%	$543K+698.5%	$68K	$0	N/A
Capital Expenditures	$447K	$381K-40.6%	$641K+342.1%	$145K+1350.0%	$10K-98.6%	$692K
Free Cash Flow	$2.2M	$1.4M-55.6%	$3.2M+0.5%	$3.2M+134.0%	$1.4M+383.5%	-$486K
Investing Cash Flow	-$408K	-$3.3M+91.2%	-$37.4M+54.2%	-$81.8M-27.3%	-$64.3M-213.7%	-$20.5M
Financing Cash Flow	-$1.4M	$6.8M-86.0%	$48.8M-29.1%	$68.8M+75.7%	$39.1M-32.4%	$57.9M
Share Buybacks	$21K	$1.8M-18.1%	$2.1M+304.7%	$530K	N/A	N/A

Metric	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K
Operating Cash Flow	$779K+11.8%	$1.4M+46.3%	-$289K+48.4%	$757K-38.1%	$697K-31.7%	$925K-15.4%	-$560K-202.4%	$1.2M-17.0%
Depreciation & Amortization	$109K+18.5%	$111K+26.1%	$111K+35.4%	$93K+10.7%	$92K+7.0%	$88K+7.3%	$82K+10.8%	$84K+23.5%
Stock-Based Compensation	N/A	N/A	$138K+3.0%	N/A	N/A	N/A	$134K0.0%	N/A
Capital Expenditures	$24K-29.4%	$18K+100.0%	$85K+372.2%	$320K+10566.7%	$34K-58.5%	$9K-95.9%	$18K-94.7%	$3K-94.8%
Free Cash Flow	$755K+13.9%	$1.3M+45.7%	-$374K+35.3%	$437K-64.2%	$663K-29.3%	$916K+4.8%	-$578K-375.2%	$1.2M-13.8%
Investing Cash Flow	$7.3M+324.6%	-$3.7M+64.5%	$10.1M-58.6%	-$14.1M+38.3%	-$3.2M+76.9%	-$10.4M+15.4%	$24.4M+109.0%	-$22.8M-62.3%
Financing Cash Flow	-$8.7M-472.7%	-$4.5M-75.7%	$15.2M+44.7%	-$3.4M-111.8%	$2.3M+153.5%	-$2.6M-113.6%	$10.5M+90.1%	$28.9M+308.7%
Share Buybacks	$0-100.0%	$0-100.0%	$0-100.0%	$21K-97.4%	$222K-9.4%	$845K+41.1%	$668K+34.1%	$803K+2409.4%

Not reported in any period shown, so not listed: Dividends Paid.

PBBK Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

PBBK quarterly financial ratios

Metric	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K
Net Margin	14.3%-0.6pp	14.9%-2.3pp	17.2%+8.1pp	9.1%+14.8pp	-5.7%
Return on Equity	3.6%-0.4pp	4.1%-0.5pp	4.6%+2.9pp	1.7%+3.6pp	-1.9%
Return on Assets	0.4%-0.1pp	0.4%-0.1pp	0.5%+0.3pp	0.3%+0.4pp	-0.1%
Debt-to-Equity	0.87-0.3x	1.17+0.1x	1.04+0.7x	0.36-0.6x	0.94
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.03
FCF Margin	11.6%-13.5pp	25.1%-1.1pp	26.3%+10.3pp	15.9%+22.6pp	-6.7%

Metric	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K
Net Margin	14.3%+1.3pp	14.6%+1.0pp	14.2%+3.0pp	18.4%+4.8pp	13.0%-2.9pp	13.6%-3.3pp	11.3%-1.6pp	13.6%-12.9pp
Return on Equity	1.0%+0.2pp	1.0%+0.2pp	0.9%+0.3pp	1.3%+0.5pp	0.9%-0.2pp	0.9%-0.4pp	0.7%-0.2pp	0.9%-1.5pp
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%-0.1pp	0.1%0.0pp	0.1%-0.2pp
Debt-to-Equity	0.85-0.1x	0.85-0.2x	0.88-0.2x	0.87-0.3x	0.95-0.2x	1.060.0x	1.09+0.1x	1.17+0.1x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	20.9%-0.5pp	37.6%+6.8pp	-11.3%+9.2pp	12.4%-28.1pp	21.4%-7.7pp	30.8%+5.7pp	-20.5%-27.1pp	40.5%+6.8pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Where Pb Bankshares Inc Ranks

Frequently Asked Questions

What is Pb Bankshares Inc's annual revenue?

Pb Bankshares Inc (PBBK) reported $12.4M in total revenue for fiscal year 2024. This represents a -3.8% 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.

How fast is Pb Bankshares Inc's revenue growing?

Pb Bankshares Inc (PBBK) revenue declined by 3.8% year-over-year, from $12.9M to $12.4M in fiscal year 2024.

Is Pb Bankshares Inc profitable?

Yes, Pb Bankshares Inc (PBBK) reported a net income of $1.8M in fiscal year 2024, with a net profit margin of 14.3%.

How much debt does Pb Bankshares Inc have?

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

What is Pb Bankshares Inc's net profit margin?

Pb Bankshares Inc (PBBK) had a net profit margin of 14.3% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

What is Pb Bankshares Inc's return on equity (ROE)?

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.

What is Pb Bankshares Inc's free cash flow?

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.

What is Pb Bankshares Inc's operating cash flow?

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

What are Pb Bankshares Inc's total assets?

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

What are Pb Bankshares Inc's capital expenditures?

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

Does Pb Bankshares Inc buy back shares?

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

How many shares does Pb Bankshares Inc have outstanding?

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

What is Pb Bankshares Inc's debt-to-equity ratio?

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.

What is Pb Bankshares Inc's return on assets (ROA)?

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.

What is Pb Bankshares Inc's Piotroski F-Score?

Pb Bankshares Inc (PBBK) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Pb Bankshares Inc's earnings high quality?

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.