PB Financial Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Interest Income on Loans	85.9	81.94	72.72	49.18	32.45	25.28
Interest Income on Investments	6.08	6.08	5.1	3.89	2.93	1.62
Total Interest Income	91.98	88.02	77.82	53.07	35.38	26.9
Interest Paid on Deposits	33.4	34.13	32.02	17.97	5.06	3.85
Interest Paid on Borrowings	3.04	3.04	3.8	4.71	2.52	1.61
Total Interest Expense	36.44	37.17	35.82	22.68	7.58	5.46
Net Interest Income	55.54	50.85	42	30.39	27.8	21.44
Net Interest Income Growth	13.13%	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	1.9	1.77	1.55	0.97	1.23	1.2
Total Non-Interest Income	2.19	2.06	1.72	1.17	1.36	1.29
Non-Interest Income Growth	15.65%	19.36%	46.90%	-13.92%	5.28%	-7.57%
Revenues Before Loan Losses	57.73	52.9	43.73	31.56	29.16	22.74
Provision for Loan Losses	0.7	0.42	1.95	0.95	0.53	0.97
Revenue	57.03	52.48	41.77	30.61	28.63	21.77
Revenue Growth	16.13%	25.64%	36.47%	6.91%	31.54%	26.58%
Salaries and Employee Benefits	13.73	12.43	10.12	6.62	5.78	5.18
Occupancy Expenses	0.8	0.79	0.7	0.31	0.46	0.43
Federal Deposit Insurance	0.65	0.65	1.04	0.55	0.27	0.18
Amortization of Goodwill & Intangibles	0.93	1.01	0.81	0.13	0.13	0.18
Selling, General & Administrative	6.14	5.98	4.82	3.49	2.87	2.41
Other Non-Interest Expense	1.88	2.13	1.27	1.06	0.82	0.74
Total Non-Interest Expense	24.14	23.05	18.76	12.16	10.33	9.16
EBT Excluding Unusual Items	32.89	29.43	23.01	18.45	18.3	12.61
Pretax Income	32.89	29.43	22.07	17.89	18.3	12.61
Income Tax Expense	7.38	6.6	5.16	3.97	4.04	2.79
Net Income	25.51	22.83	16.92	13.92	14.25	9.82
Preferred Dividends & Other Adjustments	1.25	1.25	1.1	-	-	-
Net Income to Common	24.26	21.57	15.81	13.92	14.25	9.82
Net Income Growth	24.67%	36.40%	13.64%	-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	3.39%	5.86%	18.86%	5.33%	1.33%	0.38%
EPS (Basic)	8.40	7.51	5.74	5.98	6.42	4.47
EPS (Diluted)	7.79	7.11	5.52	5.77	6.23	4.35
EPS Growth	20.40%	28.80%	-4.33%	-7.38%	43.22%	43.56%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Dividend Per Share	2.460	2.340	2.150	1.860	1.230	1.010
Dividend Growth	-36.76%	8.84%	15.59%	51.22%	21.78%	20.96%
Effective Tax Rate	22.43%	22.44%	23.36%	22.20%	22.10%	22.10%