PB Bankshares, Inc.
PBBKFinancials · Savings Institutions, Not Federally Chartered · MD · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|
| Revenue | $1.1M | $581,000 | $1.3M | $646,000 | $491,000 |
| Operating income | — | — | — | — | — |
| Net income | $1.8M | $1.9M | $2.1M | $785,000 | −$415,000 |
| Total assets | $451.3M | $439.7M | $386.5M | $314.9M | $275.3M |
| Total liabilities | $402.7M | $392.8M | $340.6M | $269.1M | $253.4M |
| Equity | $48.7M | $47.0M | $46.0M | $45.8M | $22.0M |
| EPS (diluted) | $0.76 | $0.77 | $0.82 | $0.31 | — |
| Shares out. | 2.6M | 2.8M | 2.8M | 2.8M | 0 |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2024- Operating margin
- —
- Net margin
- 160.7%
- Return on equity
- 3.6%
- Return on assets
- 0.4%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.2%
- Debt / equity
- 8.28×
- Book value / share
- $18.47
- Revenue growth (YoY)
- 89.8%
- Net income growth (YoY)
- −7.7%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2024- Accruals / assets
- −0.0%clean
- Piotroski F-Score
- 6/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 3 good- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Jacobs Asset Management, LlcPassive (13G)Feb 17, 2026
- Chicago Capital Management, LlcPassive (13G)Sep 3, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Pinno John V IiiDirector | Jan 5, 2026 | D | 9,500 | — |
| Greenfield Thomas RDirector | Jan 5, 2026 | D | 17,500 | — |
| Andress Spencer JDirector | Jan 5, 2026 | D | 12,500 | — |
| Constable Larry JDirector | Jan 5, 2026 | D | 7,500 | — |
| Bixler Lindsay SOfficer — Chief Financial Officer | Jan 5, 2026 | D | 14,555 | — |
| Witt LarryOfficer — Chief Info. & Oper. Officer | Jan 5, 2026 | D | 12,056 | — |
| Carroll Joseph WDirector | Jan 5, 2026 | D | 50,795 | — |
| Wentz Mary JoyeDirector | Jan 5, 2026 | D | 8,500 | — |
| Sayre William HOfficer — EVP, Chief Credit/Risk Officer | Jan 5, 2026 | D | 19,090 | — |
| Byers Douglas LOfficer — Chief Banking Officer | Jan 5, 2026 | D | 19,842 | — |
| Amin Janak MOfficer — President and CEO | Jan 5, 2026 | D | 55,097 | — |
| Woolard R ChestonDirector | Jan 5, 2026 | D | 19,500 | — |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| Dec 31, 2025 | 16,808 | 3.2 | +728.8% |
| Dec 15, 2025 | 2,028 | 1.0 | -30.7% |
| Nov 28, 2025 | 2,927 | 1.0 | -10.4% |
| Nov 14, 2025 | 3,268 | 1.0 | -19.9% |
| Oct 31, 2025 | 4,081 | 1.0 | +147.3% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteDec 11, 2025
- Results of operationsOct 23, 2025
- Results of operationsJul 23, 2025
- Entered a material agreement · Regulation FD disclosure · Other material eventJul 7, 2025
- Shareholder voteMay 29, 2025
- Results of operationsApr 23, 2025
- Regulation FD disclosureFeb 26, 2025
- Results of operationsFeb 26, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.