PBNC (PB Financial) EV-to-FCF: (As of Jul. 14, 2026)

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PBNC PB Financial Corp PBNC
63 GF Score
Price $70.00
GF Value $56.91
Valuation Modestly Overvalued
! 1 Warning Sign
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What is PB Financial EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, PB Financial's Enterprise Value is $242.72 Mil. PB Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was $0.00 Mil. Therefore, PB Financial's EV-to-FCF for today is .

The historical rank and industry rank for PB Financial's EV-to-FCF or its related term are showing as below:

PBNC' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 10.16
Current: 10.16

During the past 8 years, the highest EV-to-FCF of PB Financial was 10.16. The lowest was 0.00. And the median was 0.00.

PBNC's EV-to-FCF is ranked worse than
60.3% of 1199 companies
in the Banks industry
Industry Median: 6.57 vs PBNC: 10.16

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-07-14), PB Financial's stock price is $70.00. PB Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $7.560. Therefore, PB Financial's PE Ratio (TTM) for today is 9.26.


PB Financial  (OTCPK:PBNC) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

PB Financial's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=70.00/7.560
=9.26

PB Financial's share price for today is $70.00.
PB Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $7.560.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


PB Financial EV-to-FCF Related Terms


PB Financial EV-to-FCF Historical Data

* Premium members only.

The historical data trend for PB Financial's EV-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

PB Financial EV-to-FCF Chart

PB Financial Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial 9.67 11.27 10.64 11.15 8.84

PB Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EV-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 8.84 0.00 0.00

PBNC vs FINW, FOTB, CBTN: EV-to-FCF Comparison

For the Banks - Regional subindustry, PB Financial's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


PB Financial EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, PB Financial's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where PB Financial's EV-to-FCF falls into.


PBNC
63GF Score
PB Financial Corp PBNC
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PB Financial EV-to-FCF Calculation

PB Financial's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=242.715/0
=

PB Financial's current Enterprise Value is $242.72 Mil.
PB Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Is PB Financial (PBNC) Overvalued in 2026?

Based on GuruFocus' analysis, PB Financial stock appears to be overvalued. The current stock price of $70.00 is trading 23% above its estimated GF Value™ of $56.91. GuruFocus considers PB Financial to be Modestly Overvalued.

Key valuation signals for PBNC:

  • EV-to-FCF:
  • GF Value™: $56.91 vs. price of $70.00 (23% above fair value)
  • GF Score™: 63/100 with 1 warning sign

No single metric tells the full story. See the PBNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


PB Financial Business Description

Address 450 North Winstead Avenue, PO Box 7727, Rocky Mount, NC, USA, 27804
PB Financial Corp is a financial holding company whose principal business activity consists of the ownership of a bank. Along with its subsidiaries, the company is engaged in offering general commercial and retail banking services to communities across North Carolina in Holly Ridge, Jacksonville, Morehead City, Nashville, Raleigh, Richlands, Rocky Mount, Tarboro, Wilson, and New Bern. The various financial products and services offered by the Group include checking accounts, savings accounts, digital banking services, business savings accounts, different types of loans and advances, credit cards, and payment solutions, among others. The majority of its revenue is generated in the form of interest income.
63GF Score

Get the complete analysis for PBNC

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$70.00
Price
$56.91
GF Value