PB Financial

PB Financial ROA

The Return on Assets (ROA) of PB Financial (PBNC) as of Oct 15, 2026 is 1.63 %. In the previous year, Return on Assets (ROA) was 1.28 % — a change of 26.53% (higher).

ROA

1.63 %

YoY

26.53%

Last updated:

In 2025, PB Financial's return on assets (ROA) was 1.63 %, a 26.53% increase from the 1.28 % ROA in the previous year.

The PB Financial ROA history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

ROA
Date
ROA
Jan 1, 2018
1.26 USD
Jan 1, 2019
1.49 USD
Jan 1, 2020
1.16 USD
Jan 1, 2021
1.40 USD
Jan 1, 2022
1.68 USD
Jan 1, 2023
1.42 USD
Jan 1, 2024
1.28 USD
Jan 1, 2025
1.63 USD
The PB Financial ROA history
YEARROAYoY
1.63 %+26.53%
1.28 %-9.34%
1.42 %-15.61%
1.68 %+19.91%
1.40 %+20.61%
1.16 %-22.07%
1.49 %+18.11%
1.26 %+54.58%
0.82 %-10.32%
0.91 %-0.50%
0.91 %+33.86%
0.68 %—

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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.

ROA Details

Understanding PB Financial's Return on Assets (ROA)

PB Financial's Return on Assets (ROA) is a key performance indicator that measures the company's profitability in relation to its total assets. It is calculated by dividing the net income by the total assets. A higher ROA indicates efficient asset utilization to generate profits, reflecting managerial effectiveness and financial health.

Year-to-Year Comparison

Comparing PB Financial's ROA year-over-year provides insights into the company’s operational efficiency and asset utilization trends. An increasing ROA demonstrates enhanced asset efficiency and profitability, while a declining ROA can indicate operational or financial challenges.

Impact on Investments

Investors consider PB Financial's ROA as a crucial metric to evaluate the company’s profitability and efficiency. A higher ROA signifies that the company is effectively utilizing its assets to generate profits, making it a potentially attractive investment.

Interpreting ROA Fluctuations

Variations in PB Financial’s ROA can be attributed to changes in net income, asset purchases, or operational efficiencies. Analyzing these fluctuations assists in assessing the company's financial performance, management efficiency, and strategic financial positioning.

Frequently Asked Questions about PB Financial stock

Return on Assets (ROA) of PB Financial is 1.63 % in 2025.

Return on Assets (ROA) of PB Financial changed from 1.28 % to 1.63 %, representing a 26.53% change. The value is higher than the previous year.

On Eulerpool you can find the complete historical development of Return on Assets (ROA) PB Financial since 2006 – with annual values, charts, and detailed analysis.

Return on Assets, also known as ROA, is a financial metric used to measure a company's profitability. It is used to determine how effectively a company uses its assets to generate profits. It is also referred to as the ratio of net income to total assets. ROA is an important indicator of a company's overall financial performance as it measures the company's ability to generate more profit from the assets it employs.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Return on Assets (ROA)'s PB Financial with sector peers and the industry average to assess whether it is attractive.

To evaluate Return on Assets (ROA)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for Return on Assets (ROA).

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Profitability — PB Financial

ROEROAROCEROICAsset TurnoverInventory TurnoverReceivables TurnoverDays Sales OutstandingDays Inventory OutstandingDays Payable OutstandingCash Conversion CycleCROICGross Profit/AssetsFixed Asset TurnoverEquity TurnoverWorking Capital TurnoverPayables TurnoverCapital IntensityReceivables/RevenueInventory/RevenueEBIT/Assets

All Key Metrics — PB Financial