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. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.
CapEx Intensity
Moderate capital requirements typical of many stable businesses. Healthy balance between reinvestment and cash generation.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
PB Bankshares, Inc. Cash Flow Statement
PBBK • NASDAQ
| PB Bankshares, Inc. Cash Flow Statement | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||
1.8M | 1.9M | 2.1M | 785K | -415K | 779K | |
355K | 326K | 288K | 172K | 205K | 197K | |
-86K | -221K | -274K | -174K | -187K | -49K | |
723K | 683K | 219K | 145K | 0.0 | 0.0 | |
-1.2M | -2K | 205K | 198K | 525K | 415K | |
(480K) | (592K) | (522K) | (120K) | (165K) | (75K) | |
274K | 1.2M | 818K | 262K | 78K | 133K | |
1.8M | 3.9M | 3.4M | 1.4M | 206K | 1.5M | |
INVESTING ACTIVITIES | ||||||
-381K | -641K | -145K | -10K | -692K | -134K | |
-30.6M | -56.4M | -39.7M | -5M | -26.8M | -9.4M | |
50.1M | 41.7M | 11.4M | 4.6M | 24.2M | 7.1M | |
-22.4M | -22.1M | -53.3M | -63.9M | -17.1M | -3K | |
-3.3M | -37.4M | -81.8M | -64.3M | -20.5M | -2.4M | |
FINANCING ACTIVITIES | ||||||
-1.8M | -2.1M | -530K | 26.2M | 0.0 | 0.0 | |
-12.6M | 7.5M | 31M | -3.9M | -5.5M | -1.4M | |
-1.8M | -2.1M | -530K | (0.0) | (0.0) | (0.0) | |
21.2M | 43.5M | 38.4M | 16.8M | 63.4M | 6.8M | |
6.8M | 48.8M | 68.8M | 39.1M | 57.9M | 5.5M | |
CASH FLOW SUMMARY | ||||||
5.3M | 15.2M | -9.7M | -23.7M | 37.6M | 4.6M | |
32.4M | 17.2M | 26.9M | 50.6M | 13M | 8.4M | |
37.8M | 32.4M | 17.2M | 26.9M | 50.6M | 13M | |
1.4M | 3.2M | 3.2M | 1.4M | -486K | 1.3M |
SEC Filings
PBBK - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2025 N/A | December 11, 2025 | December 10, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 14, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 23, 2025 | October 23, 2025 | 2025 | |
10-Q 10-Q 2025 Q2 Q2 | August 14, 2025 | June 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | July 23, 2025 | July 23, 2025 | 2025 | |
8-K 8-K 2025 N/A | July 07, 2025 | July 07, 2025 | 2025 | |
8-K 8-K 2025 N/A | May 29, 2025 | May 28, 2025 | 2025 | |
10-Q 10-Q 2025 Q1 Q1 | May 14, 2025 | March 31, 2025 | 2025 | |
DEF 14A DEF 14A 2025 N/A | April 23, 2025 | May 28, 2025 | 2025 | |
8-K 8-K 2025 N/A | April 23, 2025 | April 23, 2025 | 2025 |
Related Guides
Continue your PBBK research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.