Oversold

PBHC

Same as last week
Valuation50/ 100
Cash flow & growth36/ 100
Upside potential34/ 100
Risk potential23/ 100

PBHC's valuation appears fair and fundamentals are below averages.

Valuation

Valuation stays neutral because earnings are difficult to compare across periods. Business trends, outlook and financial risk still contribute to the overall score.

Cash flow & growth

Business trends are weak. Over the past year: revenue -3.4%, operating margin -6.6 percentage points. The business score is 36/100. 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 $18.16. 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 23.4% downside, or about $12.10, with a 15% minimum.

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

PBHC vs Historical averages

MetricCurrentAverageRelative
PE10x14x27% lower
PE percentile54508% higher
EPS-$0.21$1.29116% lower
FCF$12.4M$13.6M9% lower
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PBHC’s earnings and cash flow are below their historical averages, while its earnings multiple is lower.

PBHC Forward outlook

MetricOutlook
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PBHC PE Valuation

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

PBHC Earnings Per Share

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

PBHC Quarterly Revenue

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

PBHC Free Cash Flow

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

PBHC Total Shares

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

PBHC 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.

PBHC PE vs Financial Services Sector

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This chart compares PBHC'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.

PBHC Weekly Price

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

PBHC Weekly Moving Averages

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This chart compares PBHC'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.

PBHC 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.