PB Bankshares, Inc.

PBBK

PB Bankshares, Inc.

PBBK

Insider Sentiment (TTM):

Last Purchase:2025-07-31Last Sale:-Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:2025-12-31Institutional Shares Owned:755,862Shares Outstanding:2,307,241Institutional Ownership Pct.:32.76%

Earnings Market Reaction:

Filing Date:2025-11-14Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31
Cash And Due From Banks	50	43	48	35	44	39	60	18	20	26	21	16
Federal Funds Sold	5	13	15	2	10	16	7	14	5	16	13	1
Interest Bearing Deposits In Banks	-	-	-	-	-	-	-	1	1	1	1	0
Cash Cash Equivalents And Federal Funds Sold	55	56	63	38	55	55	67	32	25	43	35	17
Debt Securities Available For Sale Excluding Accru…	30	36	39	50	36	36	32	68	41	35	32	52
Equity Securities Fv Ni Current And Noncurrent	1	1	1	1	1	1	1	1	1	1	1	1
Assets
Assets	456	464	467	451	453	449	450	440	409	413	393	387
Investment Owned Restricted Cost	2	2	2	2	2	3	2	3	2	2	2	2
Loans And Leases Receivable Net Reported Amount	-	-	-	-	-	-	-	-	-	-	-	301
Financing Receivable Excluding Accrued Interest Af…	352	353	347	345	344	340	333	321	325	317	309	-
Property Plant And Equipment Net	2	2	2	2	2	2	2	2	2	2	2	2
Deferred Income Tax Assets Net	2	2	1	2	2	2	2	2	2	2	2	2
Interest Receivable	2	1	2	1	2	2	2	1	1	1	1	1
Bank Owned Life Insurance	9	9	9	8	8	8	8	8	8	8	8	7
Other Assets	2	3	2	2	1	1	2	1	1	2	2	1
Liabilities And Stockhold…
Deposits	355	363	368	354	355	347	348	333	307	312	295	289
Liabilities
Liabilities	405	414	418	403	405	402	404	393	363	366	347	341
Long Term Debt	44	44	44	42	45	51	51	55	52	50	48	48
Accrued Liabilities And Other Liabilities	6	6	6	6	5	5	4	5	4	4	4	3
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Stockholders Equity
Additional Paid In Capital	23	23	23	23	23	23	24	24	25	25	25	26
Stockholders Equity	51	50	50	49	48	47	47	47	47	46	46	46
Retained Earnings Accumulated Deficit	30	29	29	28	28	27	27	27	26	26	25	25
Accumulated Other Comprehensive Income Loss Net Of…	0	-0	-0	-0	-0	-1	-1	-1	-2	-2	-2	-2
Liabilities And Stockholders Equity	456	464	467	451	453	449	450	440	409	413	393	387
Restricted Stock	-0	-0	1	0	0	-0	0	0	0	0	0	0
Loans And Leases Receivable Allowance	-	-	-	-	-	-	-	-	-	-	-	4
Financing Receivable Allowance For Credit Loss Exc…	5	4	4	4	4	5	4	5	4	4	4	-
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	10	10	10	10	10	10	10	10	10	10	10	10
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	-	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	40	40	40	40	40	40	40	40	40	40	40	40
Common Stock Shares Issued	3	3	3	3	3	3	3	3	3	3	3	3
Shares Outstanding	3	3	3	3	3	3	3	3	3	3	3	3

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Custom Table

10‑Q10‑K

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Interactive Financial Visualizations

10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2025	7.88%	12.08%	17.22%	4.63%	3.19%	5.80%	4.79%	-3.27%	-	-	-	-
2024	3.99%	12.20%	18.37%	-3.24%	-8.86%	-11.32%	3.91%	4.60%	0.89%	-9.13%	-5.06%	1.87%
2023	16.04%	19.57%	17.25%	-3.72%	-6.53%	-8.46%	-1.97%	4.93%	6.66%	-5.66%	-0.31%	7.84%
2022	-	-	-	-	-	-	-	-	-	-6.78%	-10.59%	-0.04%
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Performance and Valuation Metrics

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Metrics	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31
Leverage & Debt
Interest Coverage TTM	-0.76	-0.26	0.23	0.72	1.16	1.19	1.25	1.32	1.53	1.66	1.78	1.89
Efficiency & Turnover
Days Sales Outstanding TTM	-	-	-	-	-	-	-	-	-	-	-	74,802.02
Receivables Turnover TTM	-	-	-	-	-	-	-	-	-	-	-	0.00
Per Share Metrics
Diluted EPS TTM	0.96	0.93	0.83	0.76	0.65	0.68	0.76	0.77	1.06	1.01	0.89	0.82
Free Cash Flow Per Share TTM	0.93	0.89	0.71	0.62	0.98	1.08	1.03	1.31	1.41	1.72	1.37	1.26
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	-875.10%	-888.77%	-973.41%	-1,023.93%	-1,903.91%	-1,820.29%	-1,365.00%	-1,228.40%	-338.80%	-247.61%	-182.79%	-120.27%
Operating Profit Margin TTM	246.43%	226.53%	213.08%	203.72%	327.55%	370.74%	364.69%	424.10%	233.54%	228.23%	220.35%	197.09%
Net Profit Margin TTM	190.06%	178.84%	168.09%	160.65%	255.10%	288.87%	285.47%	330.29%	183.33%	180.06%	174.29%	157.53%
Growth Metrics
Net Revenue Growth (1Y)	106.97%	120.65%	79.22%	89.85%	-58.82%	-60.19%	-51.03%	-56.71%	132.95%	127.48%	105.18%	107.74%
Net Income Growth (1Y)	54.20%	36.61%	5.53%	-7.66%	-42.70%	-36.13%	-19.80%	-9.22%	109.27%	140.59%	132.69%	169.30%
EPS Growth (1Y)	52.08%	37.33%	8.85%	-1.48%	-38.46%	-31.47%	-14.67%	-5.66%	118.51%	148.09%	135.89%	168.11%
Calculated Values
Free Cash Flow TTM	2.15M	2.06M	1.64M	1.44M	2.22M	2.50M	2.45M	3.24M	3.44M	4.29M	3.47M	3.23M
Net Debt	-11.69M	-12.02M	-18.58M	4.68M	-9.27M	-4.20M	-15.97M	22.67M	26.70M	7.92M	12.75M	30.43M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2025-07-31Purchase

Owner: Carroll, Joseph W

Title: -

Shares: 1,000

Price/Share: $18.10

Value: $18,100.00

Shares Owned: 43,970

Relationship: Director

Ownership: Direct

2025-07-30Purchase

Owner: Carroll, Joseph W

Title: -

Shares: 321

Price/Share: $18.41

Value: $5,909.61

Shares Owned: 42,970

Relationship: Director

Ownership: Direct

2024-03-04Purchase

Owner: Byers, Douglas L

Title: Chief Banking Officer

Shares: 632

Price/Share: $14.10

Value: $8,911.20

Shares Owned: 15,892

Relationship: Officer

Ownership: Direct

2023-05-11Purchase

Owner: Amin, Janak M

Title: President and CEO

Shares: 1,436

Price/Share: $11.72

Value: $16,829.92

Shares Owned: 55,404

Relationship: Director,Officer

Ownership: Indirect

2023-05-10Purchase

Owner: Sayre, William H

Title: EVP, Chief Credit/Risk Officer

Shares: 1,165

Price/Share: $11.97

Value: $13,945.05

Shares Owned: 7,465

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2025-07-31	Carroll, Joseph W	Director	-	Direct	Purchase	1,000	18.10	$18,100.00	43,970	4
2025-07-30	Carroll, Joseph W	Director	-	Direct	Purchase	321	18.41	$5,909.61	42,970	4
2024-03-04	Byers, Douglas L	Officer	Chief Banking Officer	Direct	Purchase	632	14.10	$8,911.20	15,892	4
2023-05-11	Amin, Janak M	Director,Officer	President and CEO	Indirect	Purchase	1,436	11.72	$16,829.92	55,404	4
2023-05-10	Sayre, William H	Officer	EVP, Chief Credit/Risk Officer	Direct	Purchase	1,165	11.97	$13,945.05	7,465	4
2023-05-05	Bixler, Lindsay S	Officer	Chief Financial Officer	Indirect	Purchase	1,277	11.49	$14,672.73	2,677	4
2023-05-04	Carroll, Joseph W	Director	-	Direct	Purchase	1,000	11.14	$11,140.00	41,978	4
2023-05-03	Byers, Douglas L	Officer	Chief Banking Officer	Direct	Purchase	850	11.90	$10,115.00	15,260	4
2023-05-02	Carroll, Joseph W	Director	-	Direct	Purchase	1,000	12.01	$12,010.00	40,978	4
2023-05-02	Witt, Larry	Officer	Chief Info. & Oper. Officer	Direct	Purchase	125	12.25	$1,531.25	11,056	4
2023-05-01	Amin, Janak M	Director,Officer	President and CEO	Indirect	Purchase	571	12.58	$7,183.18	52,404	4
2023-05-01	Carroll, Joseph W	Director	-	Direct	Purchase	1,900	12.50	$23,750.00	39,978	4
2022-11-14	Sayre, William H	Officer	EVP, Chief Credit/Risk Officer	Direct	Purchase	6,300	0.00	$0.00	6,300	4
2022-09-01	Amin, Janak M	Director,Officer	President and CEO	Indirect	Purchase	1,000	13.19	$13,190.00	51,001	4
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Institutional Ownership

No data available for chart

2025-12-31

32.76%

Inst. Shares: 755,862

Shares Outstanding: 2,307,241

2025-09-30

35.44%

Inst. Shares: 817,644

Shares Outstanding: 2,307,241

2025-06-30

14.34%

Inst. Shares: 330,928

Shares Outstanding: 2,307,171

2025-03-31

12.31%

Inst. Shares: 283,949

Shares Outstanding: 2,306,553

2024-12-31

12.69%

Inst. Shares: 293,796

Shares Outstanding: 2,314,619

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2025-12-31	755,862	2,307,241	32.76%
2025-09-30	817,644	2,307,241	35.44%
2025-06-30	330,928	2,307,171	14.34%
2025-03-31	283,949	2,306,553	12.31%
2024-12-31	293,796	2,314,619	12.69%
2024-09-30	210,307	2,275,588	9.24%
2024-06-30	196,057	2,319,444	8.45%
2024-03-31	203,516	2,379,237	8.55%
2023-12-31	212,021	2,469,569	8.59%
2023-09-30	175,036	2,443,993	7.16%
2023-06-30	172,264	2,488,608	6.92%
2023-03-31	179,582	2,531,289	7.09%
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PB Bankshares, Inc. (PBBK) — SEC Financial Statements & Analysis

PB Bankshares, Inc. (PBBK) is a savings institutions, not federally chartered company, incorporated in MD. PB Bankshares, Inc. trades on Nasdaq as: PBBK. Based on its latest SEC filing (Form 10-Q, period ending 2025-09-30), PB Bankshares, Inc. reported a 106.97% year-over-year revenue growth, a Gross Profit Margin of -875.10% (TTM). Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 106.97%
Gross Profit Margin TTM: -875.10%

Data as of 2025-09-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is PB Bankshares, Inc. in?

PB Bankshares, Inc. (PBBK) operates in the Savings Institutions, Not Federally Chartered industry.

What exchange does PBBK trade on?

PB Bankshares, Inc. (PBBK) trades on the Nasdaq.

Where is PB Bankshares, Inc. incorporated?

PB Bankshares, Inc. is incorporated in MD.