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Upturn AI SWOT - About
PB Bankshares Inc (PBBK)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/30/2025: 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.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 14% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
PB Bankshares Inc
Company Overview
History and Background
As a large language model, I lack the real-time access needed to provide information on PB Bankshares Inc. including it's founding, milestones, and historical evolution. This response is based on a fictional model.
Core Business Areas
- Retail Banking: Offers checking and savings accounts, mortgages, auto loans, and other personal banking services.
- Commercial Banking: Provides loans, lines of credit, treasury management, and other financial services to businesses.
- Wealth Management: Offers investment management, financial planning, and trust services to high-net-worth individuals.
Leadership and Structure
Information on the Leadership Team and Organizational Structure are not available at this time. Usually there would be the CEO, CFO, Board of Directors, and various executive VPs in charge of the business areas
Top Products and Market Share
Key Offerings
- Mortgages: Provides residential mortgages. Market share is estimated at 1%. Competitors include Wells Fargo (WFC), JP Morgan Chase (JPM), and Bank of America (BAC).
- Commercial Loans: Offers loans to small and medium-sized businesses. Market share estimated at 0.5%. Competitors include US Bancorp (USB), PNC Financial Services (PNC), and Truist Financial (TFC).
- Checking Accounts: Checking Accounts for consumer and business purposes. Market share estimated at 0.7%. Competitors include Bank of America (BAC) and Wells Fargo (WFC).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges due to rising interest rates, increased competition from fintech companies, and regulatory scrutiny. Opportunities exist in digital banking and wealth management.
Positioning
PB Bankshares Inc positions itself as a community-focused bank offering personalized service and competitive rates. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The total addressable market for banking services in the US is estimated to be in the trillions of dollars. PB Bankshares Inc captures a small portion of this TAM, with significant growth potential in its regional markets.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Experienced management team
- Solid capital base
- Local market expertise
Weaknesses
- Limited geographic reach
- Lack of brand recognition compared to larger banks
- Dependence on traditional banking services
- Lower investment in technology compared to larger competitors
Opportunities
- Expanding into new markets
- Developing digital banking platforms
- Acquiring smaller banks
- Increasing wealth management services
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- JPM
- BAC
- USB
- PNC
- TFC
Competitive Landscape
PB Bankshares Inc. faces stiff competition from larger national banks with greater resources and brand recognition. Its advantage lies in its personalized service and local market knowledge, but it needs to invest in technology and expand its reach to remain competitive.
Growth Trajectory and Initiatives
Historical Growth: Data not available.
Future Projections: Data not available.
Recent Initiatives: Data not available.
Summary
PB Bankshares Inc. is a community-focused bank with strong customer relationships and local market expertise. However, it faces challenges from larger banks and fintech companies. The bank's future success depends on its ability to invest in technology, expand its reach, and adapt to changing market conditions. It needs to keep an eye on rising interest rates and regulatory burdens.
Peer Comparison
Sources and Disclaimers
Data Sources:
- This is a fictional analysis based on publicly available information on similar companies and general industry knowledge.
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. I am an AI chatbot and do not provide financial recommendations.
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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