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PB FinancialPBNC 63 FCF Margin % is 0.00% as of Jun. 2026. GuruFocus rates PBNC with a GF Score™ of 63/100 and a GF Value™ of $56.91 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,507 Banks companies, PB Financial ranks better than 70.67% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. PB Financial's Free Cash Flow for the
three
months ended in Jun. 2026 was $0.00 Mil. PB Financial's Revenue for the
three
months ended in Jun. 2026 was $14.50 Mil. Therefore, PB Financial's FCF Margin % for the quarter that ended in Jun. 2026 was 0.00%.
The historical rank and industry rank for PB Financial's FCF Margin % or its related term are showing as below:
PBNC'
s FCF Margin % Range Over the Past 10 Years
Min: 33.7 Med: 42.66 Max: 51.44
Current: 42.56
During the past 8 years, the highest FCF Margin % of PB Financial was 51.44%. The lowest was 33.70%. And the median was 42.66%.
PBNC's FCF Margin % is ranked better than 70.67% of 1507
companies
in the Banks industry
Industry Median: 26.55
vs PBNC: 42.56
PB Financial FCF Margin % Related Terms
PB Financial FCF Margin % Historical Data
* Premium members only.
The historical data trend for PB Financial's FCF Margin % 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.
For the Banks - Regional subindustry, PB Financial's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PB Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where PB Financial's FCF Margin % falls into.
* 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 (PBNC) has a FCF Margin % of 0.00% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PB Financial and its competitors. Over the past decade, PB Financial's FCF Margin % has ranged from 33.70 to 51.44. According to the industry distribution chart, PB Financial ranks #442 out of 1507 companies in the Banks industry, placing it in the top 29.3%.
Is PB Financial's FCF Margin % too high?
PB Financial's current FCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 33.70 to a high of 51.44. Based on the distribution chart, PB Financial ranks #442 out of 1507 companies in the Banks industry, which is above the industry midpoint. Overall, PB Financial has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PB Financial's FCF Margin % compare to FINW and FOTB?
According to the Banks industry distribution chart, PB Financial ranks #442 out of 1507 companies for FCF Margin %. This puts PB Financial in the upper half of its industry. The industry median FCF Margin % is 26.55. Historically, PB Financial's own FCF Margin % has ranged from 33.70 to 51.44 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,507 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PB Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PB Financial's current FCF Margin % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PB Financial stock overvalued right now?
Based on GuruFocus' analysis, PB Financial (PBNC) is currently considered Modestly Overvalued. The stock's GF Value™ is $56.91, compared to a current price of $70.00 — trading 23% above its estimated fair value. The current FCF Margin % is 0.00%. PB Financial's overall GF Score™ is 63/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For PB Financial (PBNC), the current FCF Margin % is 0.00% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
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:
FCF Margin %: 0.00%
GF Value™: $56.91 vs. price of $70.00 (23% above fair value)
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 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
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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