PBBK - NASDAQ
PB Bankshares, Inc.
$21.15
-2.8%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.
At a Glance
Live SnapshotPB Bankshares, Inc. Fair Value Envelope
Owner Earnings Valuation Tool
Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation
Historical Financial Data
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DCF Valuation Summary
Calculation flow from present value to intrinsic value per share
Owner Earnings Projections
Operating Cash Flow - Maintenance CapEx = Owner Earnings
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $909.5K | $454.8K | $227.4K | $113.7K | $56.8K | $28.4K | $14.2K | $7.1K | $3.6K | $1.8K |
| Maintenance CapEx | -$38.1K | -$19.1K | -$9.5K | -$4.8K | -$2.4K | -$1.2K | -$595 | -$298 | -$149 | -$74 |
| Owner Earnings | $871.4K | $435.7K | $217.9K | $108.9K | $54.5K | $27.2K | $13.6K | $6.8K | $3.4K | $1.7K |
| Discount Factor | 0.926 | 0.857 | 0.794 | 0.735 | 0.681 | 0.630 | 0.583 | 0.540 | 0.500 | 0.463 |
| Present Value | $806.9K | $373.5K | $172.9K | $80.1K | $37.1K | $17.2K | $7.9K | $3.7K | $1.7K | $788 |
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