PBNC (PB Financial) Scaled Net Operating Assets: 0.12 (As of Jun. 2026)

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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 Scaled Net Operating Assets?

PB Financial PBNC 63 Scaled Net Operating Assets is 0.12 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

PB Financial's operating assets for the quarter that ended in Jun. 2026 was $1,474.60 Mil. PB Financial's operating liabilities for the quarter that ended in Jun. 2026 was $1,303.21 Mil. PB Financial's Total Assets for the quarter that ended in Mar. 2026 was $1,459.91 Mil. Therefore, PB Financial's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was 0.12.

PBNC
63GF Score
PB Financial Corp PBNC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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PB Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

PB Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1380.111-1198.465)/1317.21
=0.14

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1404.659 - 24.548
=1380.111

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1251.586 - 48.121 - 5
=1198.465

PB Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2026 )
=(Operating Assets (Q: Jun. 2026 )-Operating Liabilities (Q: Jun. 2026 ))/Total Assets (Q: Mar. 2026 )
=(1474.604-1303.214)/1459.906
=0.12

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1514.475 - 39.871
=1474.604

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1356.391 - 53.177 - 0
=1303.214

* 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.

What does a Scaled Net Operating Assets of 0.12 mean?
PB Financial (PBNC) has a Scaled Net Operating Assets of 0.12 as of Jun. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on PB Financial and its competitors.
Is PB Financial's Scaled Net Operating Assets too high?
PB Financial's current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets compare to FINW and FOTB?
PB Financial's Scaled Net Operating Assets of 0.12 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on PB Financial and its competitors. PB Financial's current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For PB Financial (PBNC), the current Scaled Net Operating Assets is 0.12 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:

  • Scaled Net Operating Assets: 0.12
  • 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

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$70.00
Price
$56.91
GF Value