PBNC (PB Financial) Valuation 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 Valuation Rank?

The Valuation Rank measures the current valuation of a business relative to other companies in the same industry and its own historical valuation. The companies are split in equal numbers and then ranked from 1 to 10, with 10 as the most undervalued and 1 as the most overvalued.

  1. Three factors:
    • Absolute valuation (medpsvalue) relative to current stock price, rank among all companies
    • Historical valuation over the past 10 years. Rank pe, ps, pocf, ev2ebit over their own historical values
    • Industry relative valuation
  2. Companies without enough data is not ranked
  3. Companies with negative earnings are ranked lower

These three factors are used to calculate the value score for every eligible company, with values from 1 to 10. The final ranked companies are split in equal numbers and ranked from 1 to 10, with 10 as the most undervalued, and 1 as the most overvalued. The numbers of companies in each rank are the same.

PB Financial Valuation Rank Related Terms

PBNC
63GF Score
PB Financial Corp PBNC
Valuation 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:

  • Valuation 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

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

$70.00
Price
$56.91
GF Value