On the stock market since 2019, it operates in the world of money and finance. It has 269 employees. Now — the numbers.
This is an established company with proven profits.
Revenue is spread across several business lines; no single line carries the company.
Average growth of 22% a year over the last 4 years. Every year shown ended in profit.
Executive selling isn’t always bad news; people sell for personal reasons too. Still, the thin buying side is worth noting.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit indicators sit around the sector average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly below the class average.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
Valuation: The stock trades at a price that looks expensive next to its earnings; that can cap future returns.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 16% — still a thick cushion, though costs have been eating into it lately.
Over the last 3 years, sales grew about 14% a year on average.
Over the last 12 months, executives reported 29 sells against just 5 buys. Not an alarm bell by itself, but a number worth watching.
Today’s price already includes part of tomorrow’s optimism. Report-card grade: 32/100.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 33/100.
On our five-subject report card, PBFS sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: PBFS is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.