Financials · State Commercial Banks · OTC · CIK 770460 · FYE Dec 31 · Prices AT CLOSE 2026-07-29 (USD) — end-of-day, never a live or intraday quote
Last $22.50Day −4.26%Mkt cap $104MP/E (FY) 26.5×1Y +15.5%Off 52W high −6.3%Vol (1Y) 22.2%
Daily closing price, split-adjusted to the current basis; 3y shown of 5,296 bars on file. Sampled to 240 points — every point is a real close, none averaged. Price return, not total return (dividends excluded). Source marketstack.
| Fair value (model)$19.20 |
| Implied upside−14.7% |
| Valuation confidenceMEDIUM |
| Short interest0.0% of sh out |
| Days to cover1.0d |
| Next report (est.)2026-10-21 |
Fair value, confidence and the reverse-DCF grade are the MATERIALIZED daily snapshot (the same columns the screener serves), not a live model run. Short interest is FINRA semi-monthly, settlement 2026-06-30.
| P/E (FY)26.5× |
| Sales (TTM)$27.7M |
| Earnings (TTM)$4.0M |
| ROE4.1% |
| Net margin14.2% |
| EPS growth 3Y−23.7% |
| Sales growth 3Y−1.1% |
Screener basis: ratios from the latest reported fiscal year; Sales/Earnings are trailing twelve months in the reporting currency (USD). The P/E is a trailing FULL-YEAR P/E, not TTM. Missing lines are absent from the filings, never imputed.
| YTD+11.5% |
| 1Y+15.5% |
| 3Y+100.2% |
| 5Y+62.1% |
| 10Y+151.2% |
| Since incept. (ann.)+0.5% |
Total return through 2026-07-29 · series begins 2000-05-10. Only the windows this history actually covers are shown.
| Ann. volatility (1Y)22.2% |
| Ann. volatility (3Y)29.7% |
| Sharpe (1Y)0.77 |
| Sharpe (3Y)0.93 |
| Max drawdown (1Y)−9.6% |
| Max drawdown (3Y)−14.6% |
| Beta (3Y vs SPY)0.52 |
Daily simple returns, annualized; drawdown is peak-to-trough within the window. Beta is the OLS slope of monthly returns on SPY's over three years. Each figure is labeled by the window it was measured over — they are not comparable across windows.
No 13F holders on file for PFBX.
| Period end | Reported | EPS | EPS YoY | Revenue | Rev YoY |
|---|---|---|---|---|---|
| 2026-03-31 | 2026-04-22 | $0.31 | +10.7% | $7.5M | +2.4% |
| 2025-12-31 | 2026-01-29 | — | — | $6.4M | −12.9% |
| 2025-09-30 | 2025-10-22 | $0.14 | −95.8% | $6.5M | −7.5% |
| 2025-06-30 | 2025-07-23 | $0.27 | −46.0% | $7.2M | −5.4% |
EPS and revenue as reported in this filer's own XBRL — our extraction of the filings, not a vendor consensus feed, and never a beat/miss claim (we carry no estimates). YoY compares the same fiscal quarter a year earlier. Next report 2026-10-21 is ESTIMATED from filing cadence (median gap 91d) — not company-confirmed.
Service Charges On Deposit Accounts 56% · Trust Department Income And Fees 44%
product & service · each slice's share of TAGGED segment revenue in the latest annual filing (XBRL, as filed). Untagged revenue is excluded from the denominator, so slices need not sum to consolidated sales.
