PBNC (PB Financial) Dividend Payout Ratio: 0.32 (As of Jun. 2026) — 10% Above Median

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PBNC PB Financial Corp PBNC
63 GF Score
Price $71.00
GF Value $57.32
Valuation Modestly Overvalued
! 1 Warning Sign
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What is PB Financial Dividend Payout Ratio?

PB Financial PBNC 63 Dividend Payout Ratio is 0.32 as of Jun. 2026, which is 10% above its 10-year median of 0.29. GuruFocus rates PBNC with a GF Score™ of 63/100 and a GF Value™ of $57.32 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,174 Banks companies, PB Financial ranks better than 52.13% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. PB Financial's Dividend Payout Ratio for the months ended in Jun. 2026 was 0.32.

The historical rank and industry rank for PB Financial's Dividend Payout Ratio or its related term are showing as below:

PBNC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.2   Med: 0.29   Max: 0.37
Current: 0.32

During the past 8 years, the highest Dividend Payout Ratio of PB Financial was 0.37. The lowest was 0.20. And the median was 0.29.

PBNC's Dividend Payout Ratio is ranked better than
52.13% of 1174 companies
in the Banks industry
Industry Median: 0.32 vs PBNC: 0.32

As of today (2026-08-02), the Dividend Yield % of PB Financial is 3.41%.

During the past 8 years, the highest Trailing Annual Dividend Yield of PB Financial was 5.13%. The lowest was 0.67%. And the median was 3.17%.

PB Financial's Dividends per Share for the months ended in Jun. 2026 was $0.62.

During the past 12 months, PB Financial's average Dividends Per Share Growth Rate was 7.60% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 23.90% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 25.10% per year.

During the past 8 years, the highest 3-Year average Dividends Per Share Growth Rate of PB Financial was 30.60% per year. The lowest was 23.90% per year. And the median was 28.60% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

PB Financial (OTCPK:PBNC) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

PB Financial Dividend Payout Ratio Related Terms

PB Financial Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for PB Financial's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

PB Financial Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial 0.23 0.20 0.31 0.37 0.33

PB Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Dividend Payout Ratio 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 0.34 0.32 0.31 0.34 0.32

PBNC vs QNBC, CFBK, EFSI: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, PB Financial's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, PB Financial's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where PB Financial's Dividend Payout Ratio falls into.


PBNC
63GF Score
PB Financial Corp PBNC
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PB Financial Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

PB Financial's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=2.34/ 7.11
=0.33

PB Financial's Dividend Payout Ratio for the quarter that ended in Jun. 2026 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Jun. 2026 )/ EPS without NRI (Q: Jun. 2026 )
=0.62/ 1.93
=0.32

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.32 mean?
PB Financial (PBNC) has a Dividend Payout Ratio of 0.32 as of Jun. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on PB Financial and its competitors. This is 10% above median its historical median of 0.29. Over the past decade, PB Financial's Dividend Payout Ratio has ranged from 0.20 to 0.37. According to the industry distribution chart, PB Financial ranks #562 out of 1174 companies in the Banks industry, placing it in the top 47.9%.
Is PB Financial's Dividend Payout Ratio too high?
PB Financial's current Dividend Payout Ratio of 0.32 is 10% above median its 10-year median of 0.29. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 0.37. The Banks industry median Dividend Payout Ratio is 0.32. PB Financial's value of 0.32 is 0% at this industry median. Based on the distribution chart, PB Financial ranks #562 out of 1174 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 Dividend Payout Ratio compare to QNBC and CFBK?
According to the Banks industry distribution chart, PB Financial ranks #562 out of 1174 companies for Dividend Payout Ratio. This puts PB Financial in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. PB Financial's value of 0.32 is 0% at this benchmark. Historically, PB Financial's own Dividend Payout Ratio has ranged from 0.20 to 0.37 over the past decade. While the company's 10-year median is 0.29 vs. the industry median of 0.32, PB Financial has consistently been at the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,174 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PB Financial's current Dividend Payout Ratio of 0.32 is 0% at the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on PB Financial and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PB Financial's current Dividend Payout Ratio is 0.32, which is 10% above median its own 10-year median of 0.29. 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 $57.32, compared to a current price of $71.00 — trading 23.9% above its estimated fair value. The current Dividend Payout Ratio is 0.32, which is 10% above median its 10-year median of 0.29 and 0% at the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For PB Financial (PBNC), the current Dividend Payout Ratio is 0.32 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 $71.00 is trading 23.9% above its estimated GF Value™ of $57.32. GuruFocus considers PB Financial to be Modestly Overvalued.

Key valuation signals for PBNC:

  • Dividend Payout Ratio: 0.32 (10% above median its 10-year median of 0.29)
  • GF Value™: $57.32 vs. price of $71.00 (23.9% above fair value)
  • GF Score™: 63/100 with 1 warning sign
  • Industry Position: 0% at the Banks median (#562 of 1174)

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

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$71.00
Price
$57.32
GF Value