PB Bankshares, Inc. (PBBK)

PB Bankshares Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Interest Income	12.57	11.09	12.11	10.86	7.86	6.63
Net Interest Income Growth	13.76%	-8.42%	11.51%	38.18%	18.53%	-4.22%
Non-Interest Income	0.95	1.31	0.79	1.42	0.8	0.67
Non-Interest Income Growth	9.24%	67.26%	-44.60%	78.24%	19.37%	9.18%
Revenues Before Loan Losses	13.52	12.41	12.9	12.28	8.66	7.3
Provision for Credit Losses	0.09	-0.04	0.63	1.2	0.29	0.76
Revenue	13.42	12.44	12.27	11.08	8.37	6.54
Revenue Growth (YoY)	12.93%	1.44%	10.70%	32.39%	28.00%	-4.37%
Compensation Expenses	5.81	5.38	5.21	4.29	3.99	3.47
Selling, General & Admin	3.93	4.07	3.79	3.39	2.7	3.13
Other Non-Interest Expenses	0.85	0.75	0.8	0.76	0.72	0.5
Total Non-Interest Expense	10.92	10.2	9.8	8.44	7.42	7.09
Pretax Income	3	2.25	2.46	2.65	0.96	-0.56
Provision for Income Taxes	0.69	0.48	0.55	0.53	0.17	-0.14
Net Income	2.31	1.77	1.92	2.11	0.79	-0.42
Net Income to Common	2.31	1.77	1.92	2.11	0.79	-0.42
Net Income Growth	54.20%	-7.66%	-9.22%	169.30%	-	-
Shares Outstanding (Basic)	2	2	2	3	3	2
Shares Outstanding (Diluted)	2	2	2	3	3	2
Shares Change (YoY)	-1.38%	-6.03%	-3.07%	0.44%	54.92%	-
EPS (Basic)	1.00	0.77	0.78	0.82	0.31	-0.25
EPS (Diluted)	0.98	0.76	0.77	0.82	0.31	-0.25
EPS Growth	53.13%	-1.30%	-6.10%	164.52%	-	-
Free Cash Flow	2.15	1.44	3.24	3.23	1.38	-0.49
Free Cash Flow Growth	49.72%	-55.63%	0.50%	134.03%	-	-
Free Cash Flow Per Share	0.92	0.62	1.30	1.26	0.54	-0.29
Profit Margin	17.23%	14.24%	15.64%	19.08%	9.38%	-6.35%
FCF Margin	16.04%	11.56%	26.42%	29.10%	16.46%	-7.43%
EBITDA	0.42	0.36	0.33	0.29	0.17	0.21
EBITDA Margin	3.16%	2.85%	2.66%	2.60%	2.05%	3.14%
Effective Tax Rate	22.87%	21.14%	22.12%	20.08%	17.80%	25.23%

Updated Sep 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q