US · PBBK
PB Bankshares, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Coatesville, PA 19320
- Website
- presencebank.com
Price · as of 2024-12-31
—
Market cap 47.16M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $291.24 | — |
| Intrinsic Value(DCF) | $22.55 | — |
| Graham-Dodd Method(GD) | $24.85 | — |
| Graham Formula(GF) | $19.26 | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | |||||
| 2019 | |||||
| 2020 | $7.16 | $0.00 | |||
| 2021 | $14.00 | $126.13 | $17.38 | $19.47 | $5.91 |
| 2022 | $14.25 | $107.87 | $22.86 | $22.04 | $33.01 |
| 2023 | $13.32 | $45.29 | $434.93 | $22.91 | $38.73 |
| 2024 | $16.50 | $291.24 | $200.52 | $24.85 | $19.26 |
AI valuation
Our deep-learning model estimates PB Bankshares, Inc.'s (PBBK) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $291.24
- Current price
- —
- AI upside
- —
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$22.55
— upside
Graham-Dodd
$24.85
— upside
Graham Formula
$19.26
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| PBBK | PB Bankshares, Inc. | $19.86 | 47.16M | +1,366% | +14% | +25% | -3% | 21.55 | 0.78 | 1.58 | -1.37 | — | 0.78 | 48.81% | 9.31% | 7.34% | 3.71% | 15.66% | 0.40% | 0.90 | 0.18 | 0.25 | 0.25 | 2.69 | -130.00% | 1775.00% | -5563.00% | 3.77% | 0.01 | 12.71% | 0.00% | 0.00% | 82.72% | -1.58 | -2.47 | -0.15 | -0.50 |
| ASRV | AmeriServ Financial, Inc. | $3.11 | 51.37M | +2,559% | +68% | +152% | +37% | 11.24 | 0.55 | 0.71 | 13.35 | 18.16 | 0.62 | 62.41% | 7.69% | 6.35% | 5.04% | 6.29% | 0.39% | 0.70 | 0.23 | 0.04 | 0.04 | 9.73 | 6190.00% | 457.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 28.20% | 13.35 | — | 1.03 | -0.88 |
| BAFN | BayFirst Financial Corp. | $8.58 | 35.47M | +2,939% | -69% | — | +414% | -1.18 | 0.31 | 0.26 | -0.87 | — | 0.36 | 38.00% | -29.59% | -22.01% | -23.11% | -34.87% | -1.77% | 0.39 | -0.77 | 0.13 | 0.13 | -0.94 | -34523.00% | -1681.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -0.87 | — | 0.26 | -0.23 |
| CLST | Catalyst Bancorp, Inc. | $14.63 | 60.55M | +2,733% | +252% | +69% | +130% | 29.85 | 0.75 | 3.99 | 30.34 | — | 0.75 | 72.84% | 16.32% | 13.38% | 2.53% | 2.89% | 0.73% | 0.18 | 0.61 | 0.36 | 0.00 | 5.88 | -17179.00% | 5533.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 30.34 | — | 4.95 | 0.32 |
| HFBL | Home Federal Bancorp, Inc… | $15.49 | 47.37M | +86% | +106% | -0% | -55% | — | 0.75 | 1.27 | -1.06 | — | 0.80 | 63.92% | 14.39% | 12.02% | 0.00% | 30.94% | 0.00% | 0.07 | 0.39 | 0.93 | 0.93 | -2.22 | 769.00% | -288.00% | -157446.00% | 13.17% | 0.01 | 43.18% | 3.95% | — | 18.94% | -1.38 | -1.18 | -0.20 | 0.09 |
| NXN | Nuveen New York Select Ta… | $12.14 | 47.65M | — | -39% | +21% | — | 28.14 | 0.90 | 20.18 | — | — | 0.90 | 100.00% | 89.90% | 71.73% | — | — | — | 0.00 | 584.57 | 14.78 | 14.78 | — | — | — | — | 0.00% | 0.00 | — | 0.00% | 0.00% | 0.00% | 22.11 | — | 19.88 | 121.05 |
| TCBS | Texas Community Bancshare… | $16.02 | 47.53M | +367% | -0% | -19% | — | -35.74 | 0.90 | 2.24 | -6.29 | -42.89 | 0.90 | 51.72% | -8.55% | -6.26% | -2.47% | -8.00% | -0.29% | 0.96 | -0.18 | 0.27 | 0.27 | -29.89 | 8333.00% | 779.00% | -12234.00% | 1.59% | 0.01 | 4.54% | 1.08% | -38.60% | 53.86% | -4.27 | 10.27 | 0.36 | -0.46 |
| TECTP | Tectonic Financial, Inc. | $11.56 | 46.83M | +254% | +159% | +12% | +195% | 4.75 | 0.58 | 0.92 | — | — | 0.72 | 100.00% | 41.90% | 19.29% | 12.65% | 20.82% | 1.81% | 0.19 | — | — | — | — | -1016.00% | 966.00% | 15876.00% | -131.33% | — | -78.53% | 7.08% | 33.60% | 11.55% | 2.05 | -0.71 | 0.86 | 0.40 |
About PB Bankshares, Inc.
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.
- CEO
- Janak M. Amin
- Employees
- 37
- Beta
- 0.13
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($22.55 ÷ —) − 1 = — (DCF, example).