PBNC (PB Financial) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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 Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

PB Financial Quality Rank Related Terms

PBNC
63GF Score
PB Financial Corp PBNC
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Quality Rank:
  • 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

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

$70.00
Price
$56.91
GF Value