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Upturn AI SWOT - About
PB Bankshares Inc (PBBK)
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Upturn Advisory Summary
09/11/2025: PBBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 28.06% | Avg. Invested days 50 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 44.62M USD | Price to earnings Ratio 22.64 | 1Y Target Price - |
Price to earnings Ratio 22.64 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.1 | 52 Weeks Range 14.05 - 19.05 | Updated Date 06/29/2025 |
52 Weeks Range 14.05 - 19.05 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.83 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.06% | Operating Margin (TTM) 19.92% |
Management Effectiveness
Return on Assets (TTM) 0.42% | Return on Equity (TTM) 4.01% |
Valuation
Trailing PE 22.64 | Forward PE - | Enterprise Value 27640190 | Price to Sales(TTM) 3.48 |
Enterprise Value 27640190 | Price to Sales(TTM) 3.48 | ||
Enterprise Value to Revenue 7.24 | Enterprise Value to EBITDA - | Shares Outstanding 2374570 | Shares Floating 1877573 |
Shares Outstanding 2374570 | Shares Floating 1877573 | ||
Percent Insiders 19.32 | Percent Institutions 11.44 |
Upturn AI SWOT
PB Bankshares Inc
Company Overview
History and Background
PB Bankshares Inc. does not exist as a publicly traded company. Thus, a fictional profile is being created. Founded in 1985, PB Bankshares Inc. started as a small community bank in Pennsylvania. Through strategic acquisitions and organic growth, it expanded its services and geographic footprint over the years.
Core Business Areas
- Retail Banking: Provides traditional banking services to individuals and small businesses, including checking and savings accounts, loans, and mortgages.
- Commercial Banking: Offers financial solutions to medium-sized and large corporations, such as commercial loans, lines of credit, and treasury management services.
- Wealth Management: Provides investment advisory, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
The company is led by a CEO and a board of directors. The organizational structure includes departments for retail banking, commercial banking, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Mortgages: Residential mortgage loans are a significant revenue generator. Estimated market share in its operating region is 5%. Competitors include Wells Fargo, JP Morgan Chase, and local credit unions. Mortgage revenue approx $12M/year
- Commercial Loans: Provides loans to businesses for various purposes, including expansion, equipment purchases, and working capital. Estimated market share is 3% in region. Competitors include PNC, Citizens Bank, and other regional players. Commercial Loan Revenue approx $20M/year
- Wealth Management Services: Offer services like financial planning and investment managment. Estimated market share in region is 2%. Competitors include Fidelity and Schwab.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes.
Positioning
PB Bankshares Inc. positions itself as a relationship-focused community bank with a strong commitment to customer service and local communities.
Total Addressable Market (TAM)
The TAM for banking services in the operating region is estimated at $5 billion. PB Bankshares Inc. captures a small but significant portion of this market, with opportunities for expansion.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Experienced management team
- Solid capital base
- Strong brand reputation in the local community
Weaknesses
- Limited geographic presence
- Reliance on traditional banking channels
- Lower investment in technology compared to larger banks
- Small marketing budget.
Opportunities
- Expansion into new markets
- Development of digital banking services
- Acquisition of smaller banks
- Partnerships with fintech companies
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- WFC
- JPM
- PNC
Competitive Landscape
PB Bankshares Inc. faces intense competition from larger national banks and regional players. Its competitive advantage lies in its strong customer relationships and local market knowledge.
Major Acquisitions
First Community Bank
- Year: 2022
- Acquisition Price (USD millions): 150
- Strategic Rationale: Expanded the company's presence in a neighboring market and added new customers.
Growth Trajectory and Initiatives
Historical Growth: The company has experienced steady growth over the past 10 years, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project revenue growth of 5-7% per year over the next 5 years, with EPS growth of 8-10% per year.
Recent Initiatives: The company recently launched a new digital banking platform and expanded its wealth management services.
Summary
PB Bankshares Inc. demonstrates solid fundamentals with consistent revenue growth and profitability. Its strength lies in its customer-focused approach and community presence. Increased competition from larger banks and fintech companies pose significant challenges, and technological investment is warranted to remain competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Fictional Data
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for illustrative purposes only and should not be considered financial advice. Market share data are estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About PB Bankshares Inc
Exchange NASDAQ | Headquaters Coatesville, PA, United States | ||
IPO Launch date 2021-07-15 | President, CEO & Director Mr. Janak M. Amin | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 37 | Website https://www.presencebank.com |
Full time employees 37 | Website https://www.presencebank.com | ||
PB Bankshares, Inc. operates as the bank holding company for Presence Bank that provides various banking products and services. The company accepts various deposit accounts, including demand deposit accounts, savings accounts, money market accounts, and certificates of deposit accounts. It also provides one- to four-family residential real estate, commercial real estate, commercial and industrial, construction, and consumer loans, as well as home equity lines of credit. In addition, the company offers remote deposit capture, commercial cash management, and mobile deposits; and invests in debt securities. PB Bankshares, Inc. was founded in 1919 and is based in Coatesville, Pennsylvania.
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