PB Bankshares, Inc. (PBBK) | Investment Case

1. Company Snapshot

1.a. Company Description

PB Bankshares, Inc.focuses on operating as a holding company for the Presence Bank that provides various financial products and services in Pennsylvania.The company accepts various deposits, including demand deposit accounts, savings accounts, money market accounts, and certificate of deposit accounts.

It also provides one- to four-family residential real estate, commercial real estate, commercial and industrial, construction, and consumer loans, as well as home equity lines of credit.In addition, the company offers remote deposit capture, commercial cash management, and mobile deposits, as well as online and mobile banking services; and invests in various securities.It operates through a network of three branch offices and two loan production office in Chester, Lancaster, and Dauphin Counties, Pennsylvania.

PB Bankshares, Inc.was founded in 1919 and is based in Coatesville, Pennsylvania.

Show Full description

1.b. Last Insights on PBBK

PB Bankshares, Inc.'s recent performance has been driven by the proposed sale to Norwood Financial Corp, with shareholders offered an option to receive 0.7850 shares of Norwood common stock or $19.75 in cash for each common share. This development has triggered investigations by law firms, including Halper Sadeh LLC, Kahn Swick & Foti, LLC, and Monteverde & Associates PC, into the fairness of the deal to PB Bankshares shareholders. The transaction terms and election process may impact shareholder value.

1.c. Company Highlights

Last Price	22.66
Change Percentage	3.66%
Open	22.46
Previous Close	21.86
Market Cap ( Millions)	54
Volume	8846
Year High	22.76
Year Low	14.16
M A 50	20.04
M A 200	17.99

FCF Yield	4.24%
Dividend Yield	0.00%
ROE	4.63%
Debt / Equity	0.00%
Net Debt / EBIDTA	-1505.52%
Price To Book	1.1
Price Earnings Ratio	24.34
Price To FCF	23.6
Price To sales	2.13
EV / EBITDA	1.18

2. Transcript Summary

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3. NewsRoom

$HAREHOLDER ALERT: Class Action Attorney Juan Monteverde Investigates the Merger of PB Bankshares Inc. (NASDAQ: PBBK)

Jul -09

Source: globenewswire.com

PB BANKSHARES INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of PB Bankshares, Inc. - PBBK

Jul -09

Source: businesswire.com

PBBK Stock Alert: Halper Sadeh LLC Is Investigating Whether the Sale of PB Bankshares, Inc. Is Fair to Shareholders

Jul -08

Source: businesswire.com

PB Bankshares First Quarter 2025 Earnings: EPS: US$0.20 (vs US$0.13 in 1Q 2024)

Apr -26

Source:

PB Bankshares Full Year 2024 Earnings: EPS: US$0.77 (vs US$0.78 in FY 2023)

Feb -28

Source:

PB Bankshares Third Quarter 2024 Earnings: EPS: US$0.18 (vs US$0.21 in 3Q 2023)

Oct -25

Source:

PB Bankshares Second Quarter 2024 Earnings: EPS: US$0.16 (vs US$0.24 in 2Q 2023)

Jul -26

Source:

PB Bankshares First Quarter 2024 Earnings: EPS: US$0.13 (vs US$0.16 in 1Q 2023)

Apr -26

Source:

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (5.20%)

6. Segments

Banking and Related Activities

Expected Growth: 5.2%

Growing demand for digital banking services, increasing adoption of online payment systems, and a rising need for financial inclusion are expected to drive the growth of PB Bankshares' Banking and Related Activities segment.

7. Detailed Products

Personal Banking

PB Bankshares, Inc. offers a range of personal banking services, including checking and savings accounts, credit cards, personal loans, and mortgages.

Business Banking

The company provides business banking services, including business checking and savings accounts, commercial loans, and cash management solutions.

Wealth Management

PB Bankshares, Inc. offers wealth management services, including investment advice, portfolio management, and retirement planning.

Mortgage Lending

The company provides mortgage lending services, including residential and commercial mortgage loans.

Treasury Management

PB Bankshares, Inc. offers treasury management services, including cash management, wire transfers, and account reconciliation.

8. PB Bankshares, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for PB Bankshares, Inc. is moderate due to the presence of alternative financial institutions and digital payment platforms.

Bargaining Power Of Customers

The bargaining power of customers is low due to the lack of concentration in the banking industry and the high switching costs for customers.

Bargaining Power Of Suppliers

The bargaining power of suppliers is moderate due to the presence of multiple suppliers of technology and services, but the high switching costs for the bank.

Threat Of New Entrants

The threat of new entrants is low due to the high regulatory barriers to entry and the significant capital requirements to establish a new bank.

Intensity Of Rivalry

The intensity of rivalry is high due to the presence of multiple established banks and the increasing competition from fintech companies.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

	Value
Debt Weight	53.97%
Debt Cost	4.64%
Equity Weight	46.03%
Equity Cost	4.64%
WACC	4.64%
Leverage	117.27%

11. Quality Control: PB Bankshares, Inc. passed 4 out of 9 key points

Strong Liquidity

Low Deb

Strong Interest Coverage

Healthy Cash Flow

Operating Efficiency

Strong Return On Equity

Consistent Revenue Growth

Consistent Operating Cash Flow Growth

Margin Improvement

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

USCB Financial Holdings

A-Score: 5.9/10

Value: 6.3

Growth: 5.6

Quality: 7.0

Yield: 2.0

Momentum: 8.0

Volatility: 6.7

1-Year Total Return ->

Pioneer Bancorp

A-Score: 5.7/10

Value: 5.5

Growth: 4.3

Quality: 6.9

Yield: 0.0

Momentum: 8.5

Volatility: 9.3

1-Year Total Return ->

PB Bankshares

A-Score: 5.6/10

Value: 4.6

Growth: 7.7

Quality: 5.5

Yield: 0.0

Momentum: 9.0

Volatility: 6.7

1-Year Total Return ->

Riverview Bancorp

A-Score: 5.5/10

Value: 5.9

Growth: 3.6

Quality: 3.8

Yield: 5.0

Momentum: 7.5

Volatility: 7.3

1-Year Total Return ->

Texas Community Bancshares

A-Score: 5.2/10

Value: 3.7

Growth: 4.6

Quality: 4.5

Yield: 1.0

Momentum: 8.0

Volatility: 9.3

1-Year Total Return ->

Amerant Bancorp

A-Score: 4.7/10

Value: 6.9

Growth: 4.3

Quality: 4.4

Yield: 3.0

Momentum: 4.0

Volatility: 5.7

1-Year Total Return ->

Peers Metrics

12.e Scoring ^Insights

12.f DCF ^BETA

Parameters

Short Term Growth

-7.06%

Short term Time

10.0

Long-Term Growth

2.00%

WACC

4.64%

PB Bankshares, Inc. - US69318V1035

1. Company Snapshot

1.a. Company Description

1.b. Last Insights on PBBK

1.c. Company Highlights

Higher Growth

Weak Momentum

Lower Yield

Fairly Valued

Stable Momentum

Strong Momentum

Expensive

Lower Quality

2. Transcript Summary

3. NewsRoom

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (5.20%)

6. Segments

Banking and Related Activities

Expected Growth: 5.2%

7. Detailed Products

Personal Banking

Business Banking

Wealth Management

Mortgage Lending

Treasury Management

8. PB Bankshares, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Bargaining Power Of Customers

Bargaining Power Of Suppliers

Threat Of New Entrants

Intensity Of Rivalry

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

11. Quality Control: PB Bankshares, Inc. passed 4 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

22.66$

Current Price

22.66$

Potential

-0.00%

Expected Cash-Flows

12.e Scoring ^Insights

12.f DCF ^BETA