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PB FinancialPBNC 63 Return-on-Tangible-Equity is 17.80% as of Jun. 2026, which is 7% above its 10-year median of 16.68. 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 1,526 Banks companies, PB Financial ranks better than 84.67% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. PB Financial's annualized net income for the quarter that ended in Jun. 2026 was $25.50 Mil. PB Financial's average shareholder tangible equity for the quarter that ended in Jun. 2026 was $143.23 Mil. Therefore, PB Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 17.80%.
The historical rank and industry rank for PB Financial's Return-on-Tangible-Equity or its related term are showing as below:
PBNC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 13.1 Med: 16.68 Max: 22.89
Current: 17.88
During the past 8 years, PB Financial's highest Return-on-Tangible-Equity was 22.89%. The lowest was 13.10%. And the median was 16.68%.
PBNC's Return-on-Tangible-Equity is ranked better than 84.67% of 1526
companies
in the Banks industry
Industry Median: 11.205
vs PBNC: 17.88
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
PB Financial Return-on-Tangible-Equity Related Terms
PB Financial Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for PB Financial's Return-on-Tangible-Equity 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.
PBNC vs FINW, FOTB, CBTN: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, PB Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, PB Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PB Financial's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 17.80% mean?
PB Financial (PBNC) has a Return-on-Tangible-Equity of 17.80% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on PB Financial and its competitors. This is near median its historical median of 16.68. Over the past decade, PB Financial's Return-on-Tangible-Equity has ranged from 13.10 to 22.89. According to the industry distribution chart, PB Financial ranks #234 out of 1526 companies in the Banks industry, placing it in the top 15.3%.
Is PB Financial's Return-on-Tangible-Equity too high?
PB Financial's current Return-on-Tangible-Equity of 17.80% is near median its 10-year median of 16.68. Over the past 10 years, this metric has ranged from a low of 13.10 to a high of 22.89. The Banks industry median Return-on-Tangible-Equity is 11.21. PB Financial's value of 17.80% is 58.9% above this industry median. Based on the distribution chart, PB Financial ranks #234 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Return-on-Tangible-Equity compare to FINW and FOTB?
According to the Banks industry distribution chart, PB Financial ranks #234 out of 1526 companies for Return-on-Tangible-Equity. This places PB Financial in the top 15% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.21. PB Financial's value of 17.80% is 58.9% above this benchmark. Historically, PB Financial's own Return-on-Tangible-Equity has ranged from 13.10 to 22.89 over the past decade. While the company's 10-year median is 16.68 vs. the industry median of 11.21, PB Financial has consistently been above 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PB Financial's current Return-on-Tangible-Equity of 17.80% is 58.9% above 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on PB Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PB Financial's current Return-on-Tangible-Equity is 17.80%, which is near median its own 10-year median of 16.68. 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 Return-on-Tangible-Equity is 17.80%, which is near median its 10-year median of 16.68 and 58.9% above the Banks industry median of 11.21. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For PB Financial (PBNC), the current Return-on-Tangible-Equity is 17.80% 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:
Return-on-Tangible-Equity: 17.80% (near median its 10-year median of 16.68)
GF Value™: $56.91 vs. price of $70.00 (23% above fair value)
Industry Position: 58.9% above the Banks median (#234 of 1526)
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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