PB Financial

PB Financial Debt

The Debt of PB Financial (PBNC) as of Oct 16, 2026 is 48.12 M USD. In the previous year, Debt was 53.37 M USD — a change of -9.84% (lower).

Debt

48.12 MUSD

YoY

-9.84%

Last updated:

In 2025, PB Financial's total debt was 48.12 M USD, a -9.84% change from the 53.37 M USD total debt recorded in the previous year.

The PB Financial Debt history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

Debt
Date
Debt
Jan 1, 2018
401.09 M USD
Jan 1, 2019
421.24 M USD
Jan 1, 2020
524.84 M USD
Jan 1, 2021
46.23 M USD
Jan 1, 2022
33.10 M USD
Jan 1, 2023
73.23 M USD
Jan 1, 2024
53.37 M USD
Jan 1, 2025
48.12 M USD
The PB Financial Debt history
YEARDebtYoY
48.12 MUSD-9.84%
53.37 MUSD-27.12%
73.23 MUSD+121.28%
33.10 MUSD-28.40%
46.23 MUSD-91.19%
524.84 MUSD+24.60%
421.24 MUSD+5.02%
401.09 MUSD+44.20%
278.16 MUSD+13.42%
245.24 MUSD+9.67%
223.62 MUSD+14.36%
195.55 MUSD—

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PB Financial Stock analysis

What does PB Financial do? PB Financial Corp, trading under the ticker PBNC, is a financial services company based in Orlando, Florida. The company operates as a holding company for Providence Bank, a state-chartered community bank. PB Financial Corp. completed its initial public offering on November 14, 2019. Providence Bank provides general commercial and retail banking services primarily in Nash, Edgecombe, Wake, and Wilson Counties in North Carolina. The bank maintains branches in the cities of Rocky Mount, Tarboro, Nashville, Wilson, and Raleigh. The company's operations are focused on serving local communities within these specific counties, emphasizing community banking principles. PB Financial Corp. does not have any publicly disclosed acquisitions or additional subsidiaries beyond Providence Bank. The company's primary business activities are centered around traditional banking services, including commercial lending, deposit services, and retail banking solutions. The company's headquarters and operational base remain in Orlando, Florida, while its banking services are delivered through its branch network in North Carolina. PB Financial Corp. is listed on the stock market under its ticker symbol PBNC. The company's financial activities are confined to the geographical areas specified, with no indication of broader regional or national expansion plans disclosed in the provided information. PB Financial is one of the most popular companies on Eulerpool.

Debt Details

Understanding PB Financial's Debt Structure

PB Financial's total debt refers to the cumulative financial obligations the company owes to external parties. This can include short-term and long-term borrowings, bonds, loans, and other financial instruments. Assessing the company's debt levels is crucial for evaluating its financial health, risk profile, and ability to fund operations and expansions.

Year-to-Year Comparison

Analyzing PB Financial's debt structure over the years provides insights into the firm’s financial strategy and stability. A reduction in debt can indicate financial strength and operational efficiency, while an increase may signal growth investments or potential financial challenges ahead.

Impact on Investments

Investors pay close attention to PB Financial’s debt levels as they can influence the company’s risk and return profiles. Excessive debt can lead to financial strain, while moderate and well-managed debt can be a catalyst for growth and expansion, making it a critical aspect of investment evaluations.

Interpreting Debt Fluctuations

Shifts in PB Financial’s debt levels can be attributed to various operational and strategic factors. An increase in debt might be geared towards funding expansion projects or enhancing operational capacity, while a decrease may indicate profit realizations or an approach to minimize financial risk and leverage.

Frequently Asked Questions about PB Financial stock

Debt of PB Financial is 48.12 M USD in 2025.

Debt of PB Financial changed from 53.37 M USD to 48.12 M USD, representing a -9.84% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of Debt PB Financial since 2006 – with annual values, charts, and detailed analysis.

Debt's USD is a key factor for investors. Changes in this metric can signal improving or deteriorating fundamentals, directly impacting the stock price. On Eulerpool, you can track Debt's PB Financial historically and in real time.

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Balance Sheet — PB Financial

All Key Metrics — PB Financial