PB Financial Corporation (PBNC)
OTCMKTS · Delayed Price · Currency is USD
71.00
0.00 (0.00%)
At close: Jul 27, 2026
PB Financial Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 22.83 | 16.92 | 13.92 | 14.25 | 9.82 |
Depreciation & Amortization | 0.82 | 0.9 | 0.27 | 0.49 | 0.49 |
Gain (Loss) on Sale of Assets | 0.04 | - | -0.04 | 0 | 0.06 |
Gain (Loss) on Sale of Investments | - | 0.04 | -0.01 | -0.01 | -0.02 |
Provision for Credit Losses | -2.38 | -0.66 | 0.95 | 0.38 | 0.39 |
Accrued Interest Receivable | -0.26 | -0.54 | -0.92 | -1.25 | -0.25 |
Change in Other Net Operating Assets | 3.08 | -0.17 | 0.16 | 0.56 | 0.53 |
Other Operating Activities | -0.7 | 0.01 | -1.02 | -0.21 | -0.33 |
Operating Cash Flow | 23.98 | 17.01 | 15.02 | 15.05 | 10.81 |
Operating Cash Flow Growth | 41.00% | 13.24% | -0.20% | 39.17% | 47.60% |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -0.08 | -0.64 | -0.25 | -0.05 | -0.07 |
Sale of Property, Plant and Equipment | 0.01 | - | 0.04 | - | - |
Investment in Securities | -18.46 | 13.71 | 3.67 | -35.53 | -50.13 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -48.65 | -132.08 | -140.08 | -136.83 | -84.04 |
Other Investing Activities | 0.52 | 6.31 | 0.12 | -1.53 | -0.28 |
Investing Cash Flow | -66.67 | -112.7 | -136.5 | -173.94 | -134.53 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Long-Term Debt Issued | 33 | 100.13 | 356.71 | 226.55 | 9.76 |
Long-Term Debt Repaid | -38.49 | -125.49 | -374.82 | -184 | -19 |
Net Debt Issued (Repaid) | -5.49 | -25.35 | -18.11 | 42.55 | -9.24 |
Issuance of Common Stock | 0.85 | 0.25 | 8.57 | 0.79 | 0.47 |
Repurchase of Common Stock | -0.73 | -1.22 | -0.13 | -0.24 | -0.36 |
Preferred Stock Issued | - | 17.92 | - | - | - |
Common Dividends Paid | -6.9 | -5.84 | -4.42 | -2.75 | -2.22 |
Preferred Dividends Paid | -1.25 | -1.1 | - | - | - |
Total Dividends Paid | -8.16 | -6.94 | -4.42 | -2.75 | -2.22 |
Net Increase (Decrease) in Deposit Accounts | 71.13 | 111.23 | 129.51 | 100.92 | 116.67 |
Financing Cash Flow | 57.61 | 95.9 | 115.42 | 141.27 | 105.32 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | 14.92 | 0.2 | -6.06 | -17.63 | -18.39 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 23.9 | 16.36 | 14.77 | 15 | 10.74 |
Free Cash Flow Growth | 46.04% | 10.78% | -1.53% | 39.65% | 50.22% |
Free Cash Flow Margin | 45.53% | 39.17% | 48.26% | 52.39% | 49.35% |
Free Cash Flow Per Share | 7.88 | 5.71 | 6.13 | 6.55 | 4.75 |
Additional Metrics
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 37.57 | 36.01 | 21.69 | 7.11 | 5.49 |
Cash Income Tax Paid | 4.77 | 5.68 | 4.72 | 4.11 | 2.03 |