Oversold

PBFS

Valuation20/ 100
Cash flow & growth46/ 100
Upside potential38/ 100
Risk potential20/ 100

PBFS's valuation is expensive and fundamentals are somewhat mixed.

Score change since last week

The score fell 8 points, mainly due to valuation and price changes. Price rose 5.2%, from $17.63 to $18.54. Reported EPS was unchanged, so the higher price reduced valuation support.

Valuation and price changes subtracted 8.7 points. The comparison uses the same available inputs on both dates. Displayed changes are rounded to whole points.

Valuation

Historical cheapness: current PE is 26.9× versus the full-history median of 18× shown in the valuation table, producing 25.3/100. Positive weekly observations receive equal weight; lower past EPS alone does not disqualify them.

Outlook-adjusted valuation: 19.5/100. The model applies a -3.9% earnings-growth assumption and a 10% annual return hurdle, with positive credit limited by evidence coverage and confidence.

Forward price scenarios use recent PE history separately. Recent history has a separately weighted median of 16.8× (18-month half-life). A reliable earnings-based price target is unavailable. A return to the full-history median is not assumed.

Cash flow & growth

Business trends are mixed. Over the past year: revenue +13.3%, earnings -20.7%, operating margin -7.6 percentage points. The business score is 45.8/100. Growth, margins and cash generation drive the score. Missing or older data receives less weight.

Favorable scenario

Weaker business results limit upside support. Price history provides the reference because earnings are difficult to compare.

The calculation starts with the stock’s typical weekly price movements, adjusted for business performance and outlook. Unusually large jumps have less influence. The result is 15% upside, or about $21.32. This uses the 15% minimum allowance.

This is a scenario based on our model, not a forecast or probability.

Downside scenario

Historical price swings are the main risk driver, even without a sharp profit decline.

The stock’s historical price swings drive this figure. Price history and operating stress provide the reference because comparable earnings do not support a future PE target. Operating stress reflects revenue, earnings, margins, outlook and relevant debt exposure. The larger stress gives 19.7% downside, or about $14.89, with a 15% minimum.

This is a scenario based on our model, not a forecast or probability.

PBFS vs Historical averages

MetricCurrentAverageRelative
PE27x39x32% lower
PE percentile675034% higher
EPS$0.69$0.5428% higher
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PBFS’s earnings are above their historical averages, while its earnings multiple is lower.

PBFS Forward outlook

MetricOutlook
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PBFS PE Valuation

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This table applies PBFS's historical price-to-earnings (PE) landmarks to current earnings. The implied prices are valuation scenarios, not price forecasts or targets.

PBFS Earnings Per Share

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This chart tracks PBFS's trailing twelve-month diluted earnings per share, calculated from four consecutive reported quarters to reduce seasonal noise.

PBFS Quarterly Revenue

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This chart tracks PBFS's quarterly revenue over time and shows how sales are changing from year to year.

PBFS Free Cash Flow

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This chart tracks PBFS's free cash flow over time, showing whether the business is consistently generating cash after operating costs and capital spending.

PBFS Total Shares

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This chart tracks changes in PBFS's diluted share count. A rising count can dilute existing owners, while a falling count often reflects share repurchases.

PBFS Net Leverage

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Quarterly Net Leverage uses the last 12 months of EBITDA. A falling multiple generally indicates less debt relative to earnings capacity. Negative values mean net cash; missing data or nonpositive LTM EBITDA are N/A. The table shows each period’s Net Leverage and status.

PBFS PE vs Financial Services Sector

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This chart compares PBFS's price-to-earnings (PE) ratio with the Financial Services sector average. A discount or premium can reflect differences in expected growth, profitability, or risk.

PBFS Weekly Price

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This chart uses PBFS's weekly closing prices to show the longer-term trend. The lower panes show weekly RSI and Stochastic momentum.

PBFS Weekly Moving Averages

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This chart compares PBFS's 8, 20, 50, 100, and 200-week moving averages from 2020 onward. Shorter averages react faster to price changes, while longer averages show the broader trend.

PBFS Yearly ROI

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Each line starts at 0% using the year’s first dependable weekly close and tracks the return through December, or through the latest available week for the current year.