PB (PB)

$68.65
+1.84%
$7.0B
Market Cap
12.5
P/E Ratio
0.67
Beta
3.45%
Dividend Yield
Piotroski 7/9Altman Z 0.3 Distress

Quantitative Summary

Deterministic

Strong operational fundamentals (Piotroski 7/9) with Altman Z of 0.3. DCF fair value of $134 implies 94% upside from current prices based on model assumptions.

Generated deterministically from quant metrics and financial statements. Not a recommendation.

DCF Sandbox

Interactive
Market Price
$68.65
Fair Value
$133
Implied Upside
+94.2%
$133IMPLIED FAIR VALUEUNDERVALUEDOVERUNDER
Growth Rate (Y1–5)8%
-10%20%50%
Discount Rate (WACC)7.9%
5%12.5%20%

5-year two-stage DCF. Terminal growth 3%. Default sliders match the pre-computed base case. Drag to explore scenarios. Not investment advice.

Reverse DCFMarket-Implied
-3.2%annual FCF growth priced in at $68.65

The growth rate the market implicitly expects over the next 10 years to justify today's price. Compare with historical growth of 5% YoY revenue.

Sensitivity Matrix

TG ↓ / WACC →6%7.9%9.9%
2%$173$115$85
3%$223$134$94
4%$325$164$107

Center = base case. Green = >10% upside, Red = >10% downside vs $68.65.

Pre-computed DCF: WACC=7.9%, terminal growth 3%. Fair value $134 (+94.3%). Not investment advice.

Price Chart with Moving Averages

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SMA 50 SMA 200

Quant Health Deep Dive

7/9
Piotroski F-Score
Strong — high operational efficiency and profitability signals
0.3
Altman Z-Score
Distress Zone — below 1.8 threshold per academic model. Thresholds: >3 safe, 1.8–3 grey, <1.8 distress.

Profitability & Value Creation

45.2%
Net Margin
7.9%
WACC
+4.9%
Revenue Growth (YoY)
+13.2%
Earnings Growth (YoY)
517.0M
Free Cash Flow
43%
FCF Payout Ratio

✅ Conservative payout — room for dividend increases.

DuPont Analysis — ROE Decomposition

Breaking down Return on Equity to see how the company generates its ROE — efficiency, margins, or leverage.

45.2%
Net Profit Margin
NI ÷ Revenue
×
0.03x
Asset Turnover
Revenue ÷ Assets
×
5.05x
Equity Multiplier
Assets ÷ Equity
=
7.1%
Return on Equity
⚠️ High equity multiplier — ROE is being amplified by leverage, not operational excellence.

Balance Sheet Health

4.05x
Debt / Equity
7.19%
FCF Yield

Insider Activity (Last 90 Days)

Net Insider Flow
-$3M
Net Selling
0
Buy Transactions
14
Sale Transactions
2026-03-25HOLMES NED SSold 6/8 qtrsSale$72,867
2026-03-18HOLMES NED SSold 6/8 qtrsSale$70,714
2026-03-11HOLMES NED SSold 6/8 qtrsSale$72,584
2026-03-04HOLMES NED SSold 6/8 qtrsSale$77,044
2026-02-25HOLMES NED SSold 6/8 qtrsSale$78,434

Open-market buys vs sells by company insiders. Source: yfinance.

Earnings Surprise History

Q4
✓ Beat
Est: $1.35
Act: $1.37
+1.2%
Q3
✓ Beat
Est: $1.41
Act: $1.42
+0.4%
Q2
✓ Beat
Est: $1.44
Act: $1.45
+0.4%
Q1
✓ Beat
Est: $1.45
Act: $1.46
+0.9%

EPS estimates vs actuals for the most recent reported quarters. Source: yfinance.

Dividend History

$0.6000
Latest Dividend
$2.34
2025 Total
+3.5%
YoY Growth
9 yrs
Consecutive Increases
Annual Dividends per Share
$0.94
2016
$1.38
2017
$1.49
2018
$1.69
2019
$1.87
2020
$1.99
2021
$2.11
2022
$2.21
2023
$2.26
2024
$2.34
2025
$0.60
2026
DateAmountChange
2026-03-13$0.60000.0%
2025-12-15$0.6000+3.4%
2025-09-15$0.58000.0%
2025-06-13$0.58000.0%
2025-03-14$0.58000.0%
2024-12-13$0.5800+3.6%
2024-09-13$0.56000.0%
2024-06-14$0.56000.0%
2024-03-14$0.56000.0%
2023-12-14$0.5600+1.8%
2023-09-14$0.55000.0%
2023-06-14$0.55000.0%
Stock Splits
2002-06-03: 2:1

Dividend and split data from SEC filings and market data. Amounts are per share, not adjusted for splits. Source: yfinance.

Risk Profile

25.7%
Annual Volatility
0.17
Sharpe (1Y)
0.26
Sharpe (3Y)
-24.8%
Max Drawdown (3Y)
-34.4%
Max Drawdown (5Y)

Sharpe = risk-adjusted return (higher is better). Max drawdown = largest peak-to-trough decline. 1,200+ trading days.

Underwater (Drawdown from Peak)

How far below the all-time high the price has been over time. Deeper = more pain for holders.

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Rolling 60-Day Beta vs S&P 500 (VOO)

How the stock's sensitivity to market moves changes over time. β > 1 = more volatile than the market.

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Rolling Beta Market (β = 1.0)

Fundamentals

9.6
Forward P/E
4.18
PEG Ratio
0.84
Price/Book
1M
Avg Volume
$77.20
52W High
$61.07
52W Low
47%
52W Range Position

Passive Flow Attribution

ETF Draft Effect
$625M
Tracked Passive Exposure
8
ETFs Holding PB
0.10%
Avg Weight in ETFs
$619B
Total ETF AUM

When investors buy or sell ETFs like KRE or KBE, the fund manager is mechanically forced to buy or sell PB shares regardless of PB's individual fundamentals. We estimate $625M of passive capital is structurally linked to PB through 8 tracked ETFs. Passive flows have a limited but growing influence on PB's daily trading dynamics.

Passive exposure = Σ (ETF AUM × stock weight in ETF) across 8 tracked ETFs. Actual passive ownership is larger (includes mutual funds). Not investment advice.

ETF Contagion Visualizer

Simulate a price drop in PB to visualize passive redemption contagion across ETFs and collateral stocks.

PB Shock
-0%
Est. Passive Redemption
$0
Systemic Risk
STABLE
PBEpicenterVBETFVIGETFVYMETFUMBFHigh RiskPNFPHigh RiskEWBCHigh RiskFHNHigh RiskWBSHigh Risk
PB Price Drop (%)0

If PB (PB) experiences a significant drawdown, ETF redemptions can create collateral selling pressure on co-held stocks. Our model identifies UMB FINANCIAL CORP (UMBF) as the most exposed collateral stock, sharing 5 ETFs with PB. This is the "Passive Contagion" effect described in the Inelastic Market Hypothesis.

Contagion model based on shared ETF exposure and constituent weights across 17 tracked ETFs. Estimated selling pressure is a simplified model — actual impact depends on market liquidity, ETF redemption mechanics, and market-maker activity.

PB Ownership Dynamics

Passive funds hold 1 in every 11 PB shares, reducing daily market volatility.

Ticker
PB
Total Shares
101M
ETF Lock-Up
9.3%
Display Mode
Total Float Impact
9.3%Locked Float

PB (PB) exerts measurable gravity on the passive index market, currently representing 1.4% of the KRE (KRE) and 1.0% of the KBE (KBE). Across 17 tracked ETFs, approximately 9M shares (9.3% of float) are held by passive funds and rarely trade on the open market. As passive ownership grows, index inclusion changes may increasingly drive price discovery.

Float lock-up computed from 17 ETFs tracked by SecuritiesDB. Actual passive ownership is higher (includes mutual funds, pension funds, etc.).

PB Institutional Volume Profile

252-day volume distribution by price level. The Point of Control (POC) marks the price where the most institutional volume transacted — an implicit support/resistance floor.

TICKER
PB
PRICE
$68.65
FLOOR (POC)
$65.37
STRENGTH
High
$60$61$62$63$64$6510%$65POC 13%$6611%$678%$689%$698%$68.65$698%$70$71$726%$73$74$74$75$76
Focus Zone
Point of Control (POC) Support (below price) Resistance (above price) Current Price

The highest-volume price zone for PB over the past year sits near $65.37 (13% of 252-day volume). The current price of $68.65 trades 5.0% above this institutional floor — a sign of upside momentum, though a pullback to the POC zone is a common reversion target. The highly concentrated volume profile (13% at POC) indicates strong consensus on fair value — institutional participants have repeatedly transacted near this price.

Volume Profile computed from 252 trading days of OHLCV data. Volume allocated to price bins proportionally based on daily high-low range. Not investment advice.

Fails-to-Deliver (FTD) History

SEC-reported settlement failures. Elevated FTDs can indicate high short-selling pressure, operational settlement issues, or naked shorting activity.

DateFailed SharesClose PriceNotional Value
2026-05-141,074$66.29$71,195.46
2026-05-12465$68.45$31,829.25
2026-05-0821$69.42$1,457.82
2026-05-07621$70.10$43,532.1
2026-04-3018,635$68.83$1.3M
2026-04-282,799$69.48$194,474.52
2026-04-2414,929$69.63$1.0M
2026-04-09595$68.55$40,787.25
2026-03-31242$65.65$15,887.3
2026-03-27632$66.44$41,990.08
2026-03-25108$66.41$7,172.28
2026-03-2437$65.98$2,441.26
2026-03-2377$64.69$4,981.13
2026-03-176,137$64.74$397,309.38
2026-03-13926$65.36$60,523.36
2026-03-12882$65.83$58,062.06
2026-03-09608$68.65$41,739.2
2026-02-2710,057$72.51$729,233.07
2026-02-2611,629$71.63$832,985.27
2026-02-1937$73.24$2,709.88
2026-02-1815,844$72.77$1.2M
2026-02-1370$74.49$5,214.3
2026-02-112,458$75.57$185,751.06
2026-02-04109$70.78$7,715.02
2026-02-031,388$69.71$96,757.48
2026-01-29192$67.11$12,885.12
2026-01-2169,300$72.22$5.0M
2026-01-126$72.51$435.06
2026-01-0938$71.95$2,734.1
2026-01-0213,772$69.11$951,782.92

Source: SEC Regulation SHO FTD data. Data is reported with a ~30 day delay. High FTD quantities relative to average daily volume may indicate settlement stress.

Price Correlations

Statistical correlation of daily returns with other stocks. High correlations indicate stocks that move together; negative correlations can offer diversification.

Peer252-Day (1Y)126-Day (6M)Direction
WTGXXNaNNaN
FNB0.7830.765High co-movement
FULT0.7800.732High co-movement
HWC0.7630.734High co-movement
ONB0.7620.726High co-movement
ASB0.7520.716High co-movement
ZION0.7500.715High co-movement
FITB0.7490.745High co-movement
WTFC0.7470.703High co-movement
AUB0.7420.711High co-movement

Pearson correlation of daily log returns. 252d ≈ 1 trading year. Computed from price history. Not investment advice.

Compare PB to Peers

Quant metrics computed deterministically from financial statements and price data. Updated: 2026-06-02.

SecuritiesDB provides programmatic data aggregation for informational purposes only. None of the metrics, summaries, or algorithmic flags constitute a recommendation to buy or sell any security.