PB Financial

PB Financial OCF/Debt

The Operating Cash Flow to Debt Ratio of PB Financial (PBNC) as of Oct 16, 2026 is 49.83 %. In the previous year, Operating Cash Flow to Debt Ratio was 31.86 % — a change of 56.39% (higher).

OCF/Debt

49.83 %

YoY

56.39%

Last updated:

Operating Cash Flow to Debt Ratio of PB Financial is 2025 49.83 % . Operating Cash Flow to Debt Ratio of PB Financial was 2024 31.86 % . It decreases by 56.39% higher compared to the previous year.

The PB Financial OCF/Debt history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

OCF/Debt
Date
OCF/Debt
Jan 1, 2018
1.46 USD
Jan 1, 2019
1.73 USD
Jan 1, 2020
1.40 USD
Jan 1, 2021
23.39 USD
Jan 1, 2022
45.47 USD
Jan 1, 2023
20.51 USD
Jan 1, 2024
31.86 USD
Jan 1, 2025
49.83 USD
The PB Financial OCF/Debt history
YEAROCF/DebtYoY
49.83 %+56.39%
31.86 %+55.37%
20.51 %-54.90%
45.47 %+94.38%
23.39 %+1,575.90%
1.40 %-19.11%
1.73 %+18.05%
1.46 %+5.83%
1.38 %+22.39%
1.13 %-8.91%
1.24 %-51.33%
2.55 %—

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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

Operating Cash Flow to Debt Ratio of PB Financial is 49.83 % in 2025.

Operating Cash Flow to Debt Ratio of PB Financial changed from 31.86 % to 49.83 %, representing a 56.39% change. The value is higher than the previous year.

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

OCF/Debt measures what percentage of total debt can be covered by annual operating cash flow. Higher ratios indicate stronger debt repayment capacity.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Operating Cash Flow to Debt Ratio'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