PB Bankshares, Inc. () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

1895 Bancorp of Wisconsin, Inc.

Home Federal Bancorp, Inc. of Louisiana

PB Bankshares, Inc.

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NSTS Bancorp, Inc.

First Seacoast Bancorp, Inc.

CFSB Bancorp, Inc

Why is PB Bankshares, Inc. ?

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%

Positive results in Jun 25

GROSS NPA (%)(Q) Lowest at 0.25%
NII(Q) Highest at USD 3.27 MM
NET SALES(Q) Highest at USD 6.26 MM

With ROA of 0.41%, it has a fair valuation with a 0.94 Price to Book Value

Over the past year, while the stock has generated a return of 49.96%, its profits have risen by 5.5% ; the PEG ratio of the company is 2

Majority shareholders : Mutual Funds

Market Beating performance in long term as well as near term

Along with generating 49.96% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to PB Bankshares, Inc. should be less than 10%
Overall Portfolio exposure to Savings Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is PB Bankshares, Inc. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

PB Bankshares, Inc.

44.25%

1.72

34.22%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

50.43%

EBIT Growth (5y)

33.85%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

12.24%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.94

EV to EBIT

16.33

EV to EBITDA

13.11

EV to Capital Employed

0.89

EV to Sales

1.07

PEG Ratio

1.97

Dividend Yield

ROCE (Latest)

5.45%

ROE (Latest)

3.89%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

Bearish

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

Bearish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

16What is working for the Company

GROSS NPA (%)

NII(Q)

Highest at USD 3.27 MM

NET SALES(Q)

Highest at USD 6.26 MM

OPERATING PROFIT(Q)

Highest at USD 0.81 MM

OPERATING PROFIT MARGIN(Q)

Highest at 12.93 %

PRE-TAX PROFIT(Q)

At USD 0.81 MM has Grown at 72.03%

NET PROFIT(Q)

At USD 0.64 MM has Grown at 72.97%

-3What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 2.52 MM

Here's what is working for PB Bankshares, Inc.

Non Performing Loans (%)

Lowest at 0.25% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

NII

Highest at USD 3.27 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 6.26 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 0.81 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 12.93 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

At USD 0.81 MM has Grown at 72.03%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 0.64 MM has Grown at 72.97%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Here's what is not working for PB Bankshares, Inc.

Operating Cash Flow

Lowest at USD 2.52 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Capital Adequacy Ratio

Lowest at 12.14%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)