PB Financial Corporation (PBNC)

PB Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	89.12	88.02	72.72	49.18	32.45	25.28
Interest Income on Investments	-	-	5.1	3.89	2.93	1.62
Total Interest Income	89.12	88.02	77.82	53.07	35.38	26.9
Interest Paid on Deposits	36.58	37.17	32.02	17.97	5.06	3.85
Interest Paid on Borrowings	-	-	3.8	4.71	2.52	1.61
Total Interest Expense	36.58	37.17	35.82	22.68	7.58	5.46
Net Interest Income	52.54	50.85	42	30.39	27.8	21.44
Net Interest Income Growth (YoY)	14.17%	21.05%	38.21%	9.32%	29.65%	25.82%
Gain (Loss) on Sale of Investments	-	-	-0.04	0.01	0.01	0.02
Other Non-Interest Income	2.08	2.06	1.55	0.97	1.23	1.2
Total Non-Interest Income	2.08	2.06	1.72	1.17	1.36	1.29
Non-Interest Income Growth (YoY)	9.20%	19.38%	46.90%	-13.92%	5.28%	-7.57%
Revenues Before Loan Losses	54.62	52.91	43.73	31.56	29.16	22.74
Provision for Loan Losses	0.55	0.42	1.95	0.95	0.53	0.97
Revenue	54.07	52.48	41.77	30.61	28.63	21.77
Revenue Growth (YoY)	17.61%	25.64%	36.47%	6.91%	31.54%	26.58%
Salaries and Employee Benefits	0.51	-	10.12	6.62	5.78	5.18
Occupancy Expenses	0.03	-	0.7	0.31	0.46	0.43
Federal Deposit Insurance	-	-	1.04	0.55	0.27	0.18
Amortization of Goodwill & Intangibles	-0.03	-	0.81	0.13	0.13	0.18
Selling, General & Administrative	0.07	-	4.82	3.49	2.87	2.41
Other Non-Interest Expense	22.92	23.05	1.27	1.06	0.82	0.74
Total Non-Interest Expense	23.49	23.05	18.76	12.16	10.33	9.16
EBT Excluding Unusual Items	30.58	29.43	23.01	18.45	18.3	12.61
Pretax Income	30.58	29.43	22.07	17.89	18.3	12.61
Income Tax Expense	6.9	6.6	5.16	3.97	4.04	2.79
Net Income	23.68	22.83	16.92	13.92	14.25	9.82
Preferred Dividends & Other Adjustments	1.26	1.26	1.1	-	-	-
Net Income to Common	22.43	21.57	15.81	13.92	14.25	9.82
Net Income Growth	27.33%	34.94%	21.56%	-2.37%	45.16%	44.22%
Basic Shares Outstanding	3	3	3	2	2	2
Diluted Shares Outstanding	3	3	3	2	2	2
Shares Change (YoY)	2.88%	5.85%	18.86%	5.33%	1.33%	0.38%
EPS (Basic)	7.80	7.51	5.74	5.98	6.42	4.47
EPS (Diluted)	7.33	7.11	5.52	5.77	6.23	4.35
EPS Growth	25.62%	28.80%	-4.33%	-7.38%	43.22%	43.56%
Dividend Per Share	2.380	2.340	2.150	1.860	1.230	1.010
Dividend Growth	8.18%	8.84%	15.59%	51.22%	21.78%	20.96%
Effective Tax Rate	22.55%	22.44%	23.36%	22.20%	22.10%	22.10%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.