PB Financial Corporation
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; … Read more
PB Financial Corporation (PBNC) - Net Assets
Latest net assets as of December 2025: $153.07 Million USD
Based on the latest financial reports, PB Financial Corporation (PBNC) has net assets worth $153.07 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.40 Billion) and total liabilities ($1.25 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $153.07 Million |
| % of Total Assets | 10.91% |
| Annual Growth Rate | 5.82% |
| 5-Year Change | 134.51% |
| 10-Year Change | 439.13% |
| Growth Volatility | 28.26 |
PB Financial Corporation - Net Assets Trend (2013–2025)
This chart illustrates how PB Financial Corporation's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for PB Financial Corporation (2013–2025)
The table below shows the annual net assets of PB Financial Corporation from 2013 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $153.07 Million | +14.84% |
| 2024-12-31 | $133.29 Million | +52.28% |
| 2023-12-31 | $87.53 Million | +29.84% |
| 2022-12-31 | $67.41 Million | +3.27% |
| 2021-12-31 | $65.27 Million | +12.35% |
| 2020-12-31 | $58.10 Million | +7.69% |
| 2019-12-31 | $53.95 Million | +13.81% |
| 2018-12-31 | $47.40 Million | +14.46% |
| 2017-12-31 | $41.41 Million | +45.86% |
| 2016-12-31 | $28.39 Million | -3.66% |
| 2015-12-31 | $29.47 Million | -66.38% |
| 2014-12-31 | $87.66 Million | +12.96% |
| 2013-12-31 | $77.60 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to PB Financial Corporation's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 100.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | $153.07 Million | 100.00% |
| Total Equity | $153.07 Million | 100.00% |
PB Financial Corporation Competitors by Market Cap
The table below lists competitors of PB Financial Corporation ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
ForFarmers N.V.
PINK:FRFBF
|
$96.19 Million |
|
Newonder Special Electric Co.Ltd
SHE:301120
|
$96.20 Million |
|
Hyundai Bngste
KO:004560
|
$96.26 Million |
|
Ba Ria Vung Tau House Development JSC
VN:HDC
|
$96.27 Million |
|
FORTINOVA FASTIGH. B O.N.
F:733
|
$96.17 Million |
|
Borealis Mining Company Limited
V:BOGO
|
$96.07 Million |
|
Thaitheparos Public Company Limited
BK:SAUCE
|
$96.04 Million |
|
MM Forgings Limited
NSE:MMFL
|
$96.02 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in PB Financial Corporation's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 133,286,708 to 153,073,000, a change of 19,786,292 (14.8%).
- Net income of 22,827,000 contributed positively to equity growth.
- Other factors decreased equity by 3,040,708.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $22.83 Million | +14.91% |
| Other Changes | $-3.04 Million | -1.99% |
| Total Change | $- | 14.84% |
Book Value vs Market Value Analysis
This analysis compares PB Financial Corporation's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.99x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.12x to 0.99x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2018-12-31 | $21.42 | $45.50 | x |
| 2019-12-31 | $24.38 | $45.50 | x |
| 2020-12-31 | $26.60 | $45.50 | x |
| 2021-12-31 | $29.57 | $45.50 | x |
| 2022-12-31 | $29.93 | $45.50 | x |
| 2023-12-31 | $35.08 | $45.50 | x |
| 2024-12-31 | $45.78 | $45.50 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently PB Financial Corporation utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 14.91%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 43.15%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 9.17x
- Recent ROE (14.91%) is above the historical average (12.04%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2013 | 6.35% | 12.78% | 0.04x | 13.35x | $-2.84 Million |
| 2014 | 9.08% | 18.30% | 0.04x | 13.29x | $-807.20K |
| 2015 | 9.24% | 27.10% | 0.03x | 10.10x | $-192.69K |
| 2016 | 8.83% | 26.68% | 0.03x | 9.71x | $-332.31K |
| 2017 | 6.35% | 24.13% | 0.03x | 7.78x | $-1.51 Million |
| 2018 | 12.01% | 36.26% | 0.03x | 9.52x | $952.70K |
| 2019 | 13.21% | 39.93% | 0.04x | 8.87x | $1.73 Million |
| 2020 | 11.72% | 36.92% | 0.03x | 10.10x | $998.43K |
| 2021 | 15.04% | 43.19% | 0.03x | 10.75x | $3.29 Million |
| 2022 | 21.15% | 48.88% | 0.03x | 12.60x | $7.51 Million |
| 2023 | 15.90% | 44.09% | 0.03x | 11.22x | $5.16 Million |
| 2024 | 12.69% | 38.69% | 0.03x | 9.88x | $3.59 Million |
| 2025 | 14.91% | 43.15% | 0.04x | 9.17x | $7.52 Million |
Industry Comparison
This section compares PB Financial Corporation's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| PB Financial Corporation (PBNC) | $153.07 Million | 6.35% | 8.17x | $96.18 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |