PB Financial

PB Financial DSCR

The Debt Service Coverage Ratio (DSCR) of PB Financial (PBNC) as of Nov 13, 2026 is 0.50. In the previous year, Debt Service Coverage Ratio (DSCR) was 0.32 — a change of 56.39% (higher).

DSCR

0.50

YoY

56.39%

Last updated:

Debt Service Coverage Ratio (DSCR) of PB Financial is 2025 0.50 . Debt Service Coverage Ratio (DSCR) of PB Financial was 2024 0.32 . It decreases by 56.39% higher compared to the previous year.

The PB Financial DSCR history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

DSCR
Date
DSCR
Jan 1, 2018
0.01 USD
Jan 1, 2019
0.02 USD
Jan 1, 2020
0.01 USD
Jan 1, 2021
0.23 USD
Jan 1, 2022
0.45 USD
Jan 1, 2023
0.21 USD
Jan 1, 2024
0.32 USD
Jan 1, 2025
0.50 USD
The PB Financial DSCR history
YEARDSCRYoY
0.50+56.39%
0.32+55.37%
0.21-54.90%
0.45+94.38%
0.23+1,575.90%
0.01-19.11%
0.02+18.05%
0.01+5.83%
0.01+22.39%
0.01-8.91%
0.01-51.33%
0.03—

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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.

Frequently Asked Questions about PB Financial stock

Debt Service Coverage Ratio (DSCR) of PB Financial is 0.50 in 2025.

Debt Service Coverage Ratio (DSCR) of PB Financial changed from 0.32 to 0.50, representing a 56.39% change. The value is higher than the previous year.

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

The DSCR measures a company's ability to service its debt obligations from operating income. A ratio above 1.0 indicates sufficient income to cover debt payments.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Debt Service Coverage Ratio (DSCR)'s PB Financial with sector peers and the industry average to assess whether it is attractive.

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Leverage — PB Financial

Debt-to-EquityNet Debt / EBITDAInterest CoverageCurrent RatioQuick RatioCash RatioDebt / AssetsFinancial LeverageEquity RatioLT Debt/EquityNet Debt/EquityDebt/EBITDADSCRFinancial Debt RatioOCF/DebtFCF/DebtNet Debt/FCFDebt/Market Cap

All Key Metrics — PB Financial