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 Financials

PBBK

Source SEC Filings (10-K/10-Q) Data as of 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).

Rhea AI PBBK FY2024 2026-04-22

PBBK’s results are driven less by reported revenue than by how a leveraged balance sheet turns assets into earnings.

From FY2022 to FY2024, total assets rose from $387M to $451M. Yet return on assets stayed below 0.6% in both years, which implies the business improved earnings mainly by carrying a larger asset base, not by getting materially more profit out of each dollar of assets.

FY2024 net income of $1.8M was close to operating cash flow, pointing to earnings quality that broadly converts into cash rather than relying heavily on accounting timing. Capital spending was only $381K, so cash generation is not being consumed by a large physical reinvestment burden.

Debt to equity fell to 0.9x in FY2024 from 1.2x in FY2023, showing a somewhat lighter financing posture even as the balance sheet remained liability-heavy. The company also spent $1.8M on buybacks, which means per-share results were supported by a smaller share base as well as by the underlying profit stream.

Financial Health Signals

Financial health score pending refresh

We are recalculating Pb Bankshares Inc's peer-relative financial health score against the latest fiscal year. It will appear here once the refresh completes. The signals and metrics below are current.

Piotroski F-Score Partial

6/7

Pb Bankshares Inc passes 6 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, 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

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	FY24	FY23	FY22	FY21	FY20
Revenue	$1.1M+89.8%	$581K-56.7%	$1.3M+107.7%	$646K+31.6%	$491K
Cost of Revenue	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$5.4M+3.2%	$5.2M+21.6%	$4.3M+7.3%	$4.0M+15.1%	$3.5M
Operating Income	N/A	N/A	N/A	N/A	N/A
Interest Expense	$12.4M+60.6%	$7.7M+161.1%	$3.0M+34.5%	$2.2M-9.6%	$2.4M
Income Tax	$475K-12.8%	$545K+2.6%	$531K+212.4%	$170K+221.4%	-$140K
Net Income	$1.8M-7.7%	$1.9M-9.2%	$2.1M+169.3%	$785K+289.2%	-$415K
EPS (Diluted)	$0.76-1.3%	$0.77-6.1%	$0.82+164.5%	$0.31	N/A

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	$1.4M-6.7%	$1.6M+5.6%	$1.5M+10.1%	$1.3M-1.7%	$1.4M+2.4%	$1.3M-2.2%	$1.4M+9.4%	$1.2M
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	FY24	FY23	FY22	FY21	FY20
Total Assets	$451.3M+2.6%	$439.7M+13.8%	$386.5M+22.7%	$314.9M+14.4%	$275.3M
Current Assets	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$37.8M+16.5%	$32.4M+88.5%	$17.2M-36.0%	$26.9M-46.9%	$50.6M
Inventory	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$402.7M+2.5%	$392.8M+15.3%	$340.6M+26.6%	$269.1M+6.2%	$253.4M
Current Liabilities	N/A	N/A	N/A	N/A	N/A
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	Q3'25	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	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$1.8M-53.1%	$3.9M+15.2%	$3.4M+142.8%	$1.4M+573.8%	$206K
Capital Expenditures	$381K-40.6%	$641K+342.1%	$145K+1350.0%	$10K-98.6%	$692K
Free Cash Flow	$1.4M-55.6%	$3.2M+0.5%	$3.2M+134.0%	$1.4M+383.5%	-$486K
Investing Cash Flow	-$3.3M+91.2%	-$37.4M+54.2%	-$81.8M-27.3%	-$64.3M-213.7%	-$20.5M
Financing Cash Flow	$6.8M-86.0%	$48.8M-29.1%	$68.8M+75.7%	$39.1M-32.4%	$57.9M
Dividends Paid	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$1.8M-18.1%	$2.1M+304.7%	$530K	N/A	N/A

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	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A
Net Margin	160.7%-169.6pp	330.3%+172.8pp	157.5%+36.0pp	121.5%+206.0pp	-84.5%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.87-0.3	1.17+0.1	1.04+0.7	0.36-0.6	0.94
FCF Margin	130.4%-427.5pp	557.8%+317.5pp	240.3%+27.0pp	213.3%+312.3pp	-99.0%

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

What is Pb Bankshares Inc's annual revenue?

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.

How fast is Pb Bankshares Inc's revenue growing?

Pb Bankshares Inc (PBBK) revenue grew by 89.8% year-over-year, from $581K to $1.1M 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 160.7%.

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 160.7% 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 6 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.