Why Did SoFi Stock Drop?
Fintech platform SoFi (NASDAQ:SOFI) has stumbled in recent days, selling…
Buy
55
PBNK Quote, Financials, Valuation and Earnings
Last price:
$19.20
Seasonality move
:
7.38%
Day range:
$18.97 - $19.20
52-week range:
$17.16 - $20.95
Dividend yield:
0%
P/E ratio:
13.39x
P/S ratio:
2.22x
P/B ratio:
1.07x
Volume:
849
Avg. volume:
1.6K
1-year change:
1.05%
Market cap:
$112.6M
Revenue:
$53.9M
EPS (TTM):
$1.43
| Period Ending | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | |
|---|---|---|---|---|---|---|
| Revenue | $24M | $31.2M | $34.8M | $50.8M | $53.9M | |
| Revenue Growth (YoY) | 5.14% | 20.46% | 11.57% | 45.95% | 6.08% | |
| Cost of Revenues | -- | -- | -- | -- | -- | |
| Gross Profit | -- | -- | -- | -- | -- | |
| Gross Profit Margin | -- | -- | -- | -- | -- | |
| R&D Expenses | -- | -- | -- | -- | -- | |
| Selling, General & Admin | $12.2M | -- | -- | -- | -- | |
| Other Inc / (Exp) | -- | -- | -- | -- | -- | |
| Operating Expenses | $12.2M | -$10.9M | -$11.9M | -$16.5M | -$12.3M | |
| Operating Income | -- | $10.9M | $11.9M | $16.5M | $12.3M | |
| Net Interest Expenses | -- | -- | -- | -- | -- | |
| EBT. Incl. Unusual Items | $5.7M | $10.9M | $11.9M | $16.5M | $12.3M | |
| Earnings of Discontinued Ops. | -- | -- | -- | -- | -- | |
| Income Tax Expense | $1.8M | $3.2M | $3.5M | $4.8M | $3.5M | |
| Net Income to Company | $3.9M | $7.7M | $8.5M | $11.8M | $8.8M | |
| Minority Interest in Earnings | -- | -- | -- | -- | -- | |
| Net Income to Common Excl Extra Items | $3.9M | $7.7M | $8.5M | $11.8M | $8.8M | |
| Basic EPS (Cont. Ops) | $0.75 | $1.45 | $1.55 | $2.09 | $1.52 | |
| Diluted EPS (Cont. Ops) | $0.74 | $1.42 | $1.52 | $2.06 | $1.49 | |
| Weighted Average Basic Share | $5.2M | $5.3M | $5.4M | $5.6M | $5.8M | |
| Weighted Average Diluted Share | $5.3M | $5.5M | $5.5M | $5.7M | $5.9M | |
| EBITDA | -- | -- | -- | -- | -- | |
| EBIT | $7.6M | $12M | $14M | $26.1M | $26M | |
| Revenue (Reported) | $24M | $31.2M | $34.8M | $50.8M | $53.9M | |
| Operating Income (Reported) | -- | $10.9M | $11.9M | $16.5M | $12.3M | |
| Operating Income (Adjusted) | $7.6M | $12M | $14M | $26.1M | $26M | |
| Period Ending | 2021-09-30 | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2025-09-30 | |
|---|---|---|---|---|---|---|
| Revenue | $8.2M | $9.6M | $13M | $13.5M | $12.9M | |
| Revenue Growth (YoY) | 17.48% | 17.19% | 36% | 4.14% | -4.8% | |
| Cost of Revenues | -- | -- | -- | -- | -- | |
| Gross Profit | -- | -- | -- | -- | -- | |
| Gross Profit Margin | -- | -- | -- | -- | -- | |
| R&D Expenses | -- | -- | -- | -- | -- | |
| Selling, General & Admin | -- | -- | -- | -- | -- | |
| Other Inc / (Exp) | -- | -- | -- | -- | -- | |
| Operating Expenses | -$3.1M | -$3.5M | -$4.1M | -$323K | -$1.5M | |
| Operating Income | $3.1M | $3.5M | $4.1M | $323K | $1.5M | |
| Net Interest Expenses | -- | -- | -- | -- | -- | |
| EBT. Incl. Unusual Items | $3.1M | $3.5M | $4.1M | $323K | $1.5M | |
| Earnings of Discontinued Ops. | -- | -- | -- | -- | -- | |
| Income Tax Expense | $919K | $1M | $1.2M | $79K | $422K | |
| Net Income to Company | -- | -- | -- | -- | -- | |
| Minority Interest in Earnings | -- | -- | -- | -- | -- | |
| Net Income to Common Excl Extra Items | $2.2M | $2.5M | $2.9M | $244K | $1.1M | |
| Basic EPS (Cont. Ops) | $0.41 | $0.46 | $0.52 | $0.04 | $0.18 | |
| Diluted EPS (Cont. Ops) | $0.39 | $0.45 | $0.51 | $0.04 | $0.18 | |
| Weighted Average Basic Share | $5.4M | $5.5M | $5.6M | $5.9M | $5.9M | |
| Weighted Average Diluted Share | $5.6M | $5.5M | $5.7M | $6.1M | $5.9M | |
| EBITDA | -- | -- | -- | -- | -- | |
| EBIT | $3.3M | $4.1M | $6.9M | $4M | $5M | |
| Revenue (Reported) | $8.2M | $9.6M | $13M | $13.5M | $12.9M | |
| Operating Income (Reported) | $3.1M | $3.5M | $4.1M | $323K | $1.5M | |
| Operating Income (Adjusted) | $3.3M | $4.1M | $6.9M | $4M | $5M | |
| Period Ending | 2021-09-30 | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2025-09-30 | |
|---|---|---|---|---|---|---|
| Revenue | $30.4M | $32.2M | $47.4M | $54.2M | $51.6M | |
| Revenue Growth (YoY) | -- | -- | -- | -- | -- | |
| Cost of Revenues | -- | -- | -- | -- | -- | |
| Gross Profit | -- | -- | -- | -- | -- | |
| Gross Profit Margin | -- | -- | -- | -- | -- | |
| R&D Expenses | -- | -- | -- | -- | -- | |
| Selling, General & Admin | -- | -- | -- | -- | -- | |
| Other Inc / (Exp) | -- | -- | -- | -- | -- | |
| Operating Expenses | -$10.3M | -$10.3M | -$16.4M | -$12.2M | -$11.8M | |
| Operating Income | $10.3M | $10.3M | $16.4M | $12.2M | $11.8M | |
| Net Interest Expenses | -- | -- | -- | -- | -- | |
| EBT. Incl. Unusual Items | $10.3M | $10.3M | $16.4M | $12.2M | $11.8M | |
| Earnings of Discontinued Ops. | -- | -- | -- | -- | -- | |
| Income Tax Expense | $3.1M | $2.9M | $4.7M | $3.5M | $3.2M | |
| Net Income to Company | -- | -- | -- | -- | -- | |
| Minority Interest in Earnings | -- | -- | -- | -- | -- | |
| Net Income to Common Excl Extra Items | $7.1M | $7.4M | $11.6M | $8.7M | $8.6M | |
| Basic EPS (Cont. Ops) | $1.34 | $1.36 | $2.08 | $1.50 | $1.46 | |
| Diluted EPS (Cont. Ops) | $1.31 | $1.35 | $2.04 | $1.49 | $1.43 | |
| Weighted Average Basic Share | ||||||
| Weighted Average Diluted Share | ||||||
| EBITDA | -- | -- | -- | -- | -- | |
| EBIT | $11.5M | $11.5M | $23.9M | $25.4M | $25.4M | |
| Revenue (Reported) | $30.4M | $32.2M | $47.4M | $54.2M | $51.6M | |
| Operating Income (Reported) | $10.3M | $10.3M | $16.4M | $12.2M | $11.8M | |
| Operating Income (Adjusted) | $11.5M | $11.5M | $23.9M | $25.4M | $25.4M | |
| Period Ending | 2021-09-30 | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2025-09-30 | |
|---|---|---|---|---|---|---|
| Revenue | $8.2M | $24.5M | $37.1M | $40.5M | $38.2M | |
| Revenue Growth (YoY) | -- | -- | -- | -- | -- | |
| Cost of Revenues | -- | -- | -- | -- | -- | |
| Gross Profit | -- | -- | -- | -- | -- | |
| Gross Profit Margin | -- | -- | -- | -- | -- | |
| R&D Expenses | -- | -- | -- | -- | -- | |
| Selling, General & Admin | -- | -- | -- | -- | -- | |
| Other Inc / (Exp) | -- | -- | -- | -- | -- | |
| Operating Expenses | -$3.1M | -$7.5M | -$12M | -$7.6M | -$7.1M | |
| Operating Income | $3.1M | $7.5M | $12M | $7.6M | $7.1M | |
| Net Interest Expenses | -- | -- | -- | -- | -- | |
| EBT. Incl. Unusual Items | $3.1M | $7.5M | $12M | $7.6M | $7.1M | |
| Earnings of Discontinued Ops. | -- | -- | -- | -- | -- | |
| Income Tax Expense | $919K | $2.2M | $3.4M | $2.2M | $1.9M | |
| Net Income to Company | -- | -- | -- | -- | -- | |
| Minority Interest in Earnings | -- | -- | -- | -- | -- | |
| Net Income to Common Excl Extra Items | $2.2M | $5.3M | $8.5M | $5.4M | $5.2M | |
| Basic EPS (Cont. Ops) | $0.41 | $0.98 | $1.52 | $0.93 | $0.87 | |
| Diluted EPS (Cont. Ops) | $0.39 | $0.97 | $1.49 | $0.92 | $0.86 | |
| Weighted Average Basic Share | $5.4M | $16.3M | $16.8M | $17.5M | $17.8M | |
| Weighted Average Diluted Share | $5.6M | $16.5M | $17.2M | $17.9M | $17.9M | |
| EBITDA | -- | -- | -- | -- | -- | |
| EBIT | $3.3M | $8.5M | $18.5M | $17.8M | $17.2M | |
| Revenue (Reported) | $8.2M | $24.5M | $37.1M | $40.5M | $38.2M | |
| Operating Income (Reported) | $3.1M | $7.5M | $12M | $7.6M | $7.1M | |
| Operating Income (Adjusted) | $3.3M | $8.5M | $18.5M | $17.8M | $17.2M | |
| Period Ending | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | |
|---|---|---|---|---|---|---|
| Cash and Equivalents | $104.8M | $28.8M | $7.5M | $10.2M | $8.3M | |
| Short Term Investments | $8M | $20.1M | $52.1M | $56.1M | $23.1M | |
| Accounts Receivable, Net | -- | -- | -- | -- | -- | |
| Inventory | -- | -- | -- | -- | -- | |
| Prepaid Expenses | -- | -- | -- | -- | -- | |
| Other Current Assets | -- | -- | -- | -- | -- | |
| Total Current Assets | $112.8M | $254.1M | $79.1M | $90.3M | $114.4M | |
| Property Plant And Equipment | $11.6M | $14.2M | $13.2M | $12.2M | $11.2M | |
| Long-Term Investments | $8M | $224.9M | $70.6M | $81M | $107.5M | |
| Goodwill | -- | -- | -- | -- | -- | |
| Other Intangibles | -- | -- | -- | -- | -- | |
| Other Long-Term Assets | -- | -- | -- | -- | -- | |
| Total Assets | $616.8M | $738.5M | $759.2M | $818.6M | $847.9M | |
| Accounts Payable | -- | -- | -- | -- | -- | |
| Accrued Expenses | -- | -- | -- | -- | -- | |
| Current Portion Of Long-Term Debt | -- | -- | -- | -- | -- | |
| Current Portion Of Capital Lease Obligations | -- | -- | -- | -- | -- | |
| Other Current Liabilities | -- | -- | -- | -- | -- | |
| Total Current Liabilities | -- | $550.8M | $604.2M | $597.7M | $617M | |
| Long-Term Debt | $5M | $2.8M | $2.4M | $2.1M | $1.7M | |
| Capital Leases | -- | -- | -- | -- | -- | |
| Total Liabilities | $558.6M | $672.1M | $685.5M | $730.7M | $748.9M | |
| Common Stock | $50.7M | $51.3M | $53M | $55.4M | $57M | |
| Other Common Equity Adj | -- | -$127.2K | -$3M | -$2.7M | -$2M | |
| Common Equity | $58.2M | $66.4M | $73.7M | $87.9M | $99M | |
| Total Preferred Equity | -- | -- | -- | -- | -- | |
| Minority Interest, Total | -- | -- | -- | -- | -- | |
| Total Equity | $58.2M | $66.4M | $73.7M | $87.9M | $99M | |
| Total Liabilities and Equity | $616.8M | $738.5M | $759.2M | $818.6M | $847.9M | |
| Cash and Short Terms | $112.8M | $271.4M | $127.8M | $143.3M | $134.8M | |
| Total Debt | $5M | $2.8M | $2.4M | $2.1M | $1.7M | |
| Period Ending | 2021-09-30 | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2025-09-30 | |
|---|---|---|---|---|---|---|
| Cash and Equivalents | -- | -- | -- | -- | -- | |
| Short Term Investments | -- | -- | -- | -- | -- | |
| Accounts Receivable, Net | -- | -- | -- | -- | -- | |
| Inventory | -- | -- | -- | -- | -- | |
| Prepaid Expenses | -- | -- | -- | -- | -- | |
| Other Current Assets | -- | -- | -- | -- | -- | |
| Total Current Assets | -- | -- | -- | -- | -- | |
| Property Plant And Equipment | -- | -- | -- | -- | -- | |
| Long-Term Investments | -- | -- | -- | -- | -- | |
| Goodwill | -- | -- | -- | -- | -- | |
| Other Intangibles | -- | -- | -- | -- | -- | |
| Other Long-Term Assets | -- | -- | -- | -- | -- | |
| Total Assets | $722M | $781.2M | $843.5M | $891.4M | $905.7M | |
| Accounts Payable | -- | -- | -- | -- | -- | |
| Accrued Expenses | -- | -- | -- | -- | -- | |
| Current Portion Of Long-Term Debt | -- | -- | -- | -- | -- | |
| Current Portion Of Capital Lease Obligations | -- | -- | -- | -- | -- | |
| Other Current Liabilities | -- | -- | -- | -- | -- | |
| Total Current Liabilities | $301.3M | $341.7M | $272.7M | $263.8M | $255.5M | |
| Long-Term Debt | -- | -- | -- | -- | -- | |
| Capital Leases | -- | -- | -- | -- | -- | |
| Total Liabilities | $647.1M | $699.9M | $746.6M | $780.9M | $785M | |
| Common Stock | -- | -- | -- | -- | -- | |
| Other Common Equity Adj | -- | -- | -- | -- | -- | |
| Common Equity | -- | -- | -- | -- | -- | |
| Total Preferred Equity | -- | -- | -- | -- | -- | |
| Minority Interest, Total | -- | -- | -- | -- | -- | |
| Total Equity | $64.3M | $69.7M | $82.8M | $95.6M | $105.5M | |
| Total Liabilities and Equity | $711.3M | $769.6M | $829.4M | $876.5M | $890.5M | |
| Cash and Short Terms | -- | -- | -- | -- | -- | |
| Total Debt | -- | -- | -- | -- | -- | |
| Period Ending | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | |
|---|---|---|---|---|---|---|
| Net Income to Stockholders | $3.9M | $7.7M | $8.5M | $11.8M | $8.8M | |
| Depreciation & Amoritzation | $1.9M | $846.2K | $824K | $607.5K | $588.1K | |
| Stock-Based Compensation | $445.5K | $523.5K | $628.7K | $697.9K | $670.6K | |
| Change in Accounts Receivable | $238.3K | $4.4M | -$1.1M | $275.2K | $280.8K | |
| Change in Inventories | -- | -- | -- | -- | -- | |
| Cash From Operations | $4.7M | $8.8M | $8.6M | $12.1M | $14.9M | |
| Capital Expenditures | $2.1M | $520.3K | $217.6K | $64K | $95.4K | |
| Cash Acquisitions | -- | -- | -- | -- | -- | |
| Cash From Investing | -$156M | $27.2M | -$195.2M | -$47.7M | -$8.9M | |
| Dividends Paid (Ex Special Dividend) | -- | -- | -- | -- | -- | |
| Special Dividend Paid | ||||||
| Long-Term Debt Issued | -- | -- | -- | -- | -- | |
| Long-Term Debt Repaid | -- | -- | -- | -- | -- | |
| Repurchase of Common Stock | -- | -- | -- | -- | -- | |
| Other Financing Activities | -- | -- | -- | -- | -- | |
| Cash From Financing | $192.8M | $110.6M | $10.8M | $47.1M | $18.4M | |
| Beginning Cash (CF) | $63.4M | $104.8M | $251.4M | $75.6M | $87.2M | |
| Foreign Exchange Rate Adjustment | -- | -- | -- | -- | -- | |
| Additions / Reductions | $41.4M | $146.6M | -$175.7M | $11.6M | $24.4M | |
| Ending Cash (CF) | $104.8M | $251.4M | $75.6M | $87.2M | $111.6M | |
| Levered Free Cash Flow | $2.6M | $8.3M | $8.4M | $12.1M | $14.8M | |
| Period Ending | 2021-09-30 | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2025-09-30 | |
|---|---|---|---|---|---|---|
| Net Income to Stockholders | -- | -- | -- | -- | -- | |
| Depreciation & Amoritzation | -- | -- | -- | -- | -- | |
| Stock-Based Compensation | -- | -- | -- | -- | -- | |
| Change in Accounts Receivable | -- | -- | -- | -- | -- | |
| Change in Inventories | -- | -- | -- | -- | -- | |
| Cash From Operations | -- | -- | -- | -- | -- | |
| Capital Expenditures | -- | -- | -- | -- | -- | |
| Cash Acquisitions | -- | -- | -- | -- | -- | |
| Cash From Investing | -- | -- | -- | -- | -- | |
| Dividends Paid (Ex Special Dividend) | -- | -- | -- | -- | -- | |
| Special Dividend Paid | -- | -- | -- | -- | -- | |
| Long-Term Debt Issued | -- | -- | -- | -- | -- | |
| Long-Term Debt Repaid | -- | -- | -- | -- | -- | |
| Repurchase of Common Stock | -- | -- | -- | -- | -- | |
| Other Financing Activities | -- | -- | -- | -- | -- | |
| Cash From Financing | -- | -- | -- | -- | -- | |
| Beginning Cash (CF) | -- | -- | -- | -- | -- | |
| Foreign Exchange Rate Adjustment | -- | -- | -- | -- | -- | |
| Additions / Reductions | -- | -- | -- | -- | -- | |
| Ending Cash (CF) | -- | -- | -- | -- | -- | |
| Levered Free Cash Flow | -- | -- | -- | -- | -- | |
| Period Ending | 2021-12-08 | 2022-12-08 | 2023-12-08 | 2024-12-08 | ||
|---|---|---|---|---|---|---|
| Net Income to Stockholders | -- | -- | -- | -- | -- | |
| Depreciation & Amoritzation | -- | -- | -- | -- | -- | |
| Stock-Based Compensation | -- | -- | -- | -- | -- | |
| Change in Accounts Receivable | -- | -- | -- | -- | -- | |
| Change in Inventories | -- | -- | -- | -- | -- | |
| Cash From Operations | -- | -- | -- | -- | -- | |
| Capital Expenditures | -- | -- | -- | -- | -- | |
| Cash Acquisitions | -- | -- | -- | -- | -- | |
| Cash From Investing | -- | -- | -- | -- | -- | |
| Dividends Paid (Ex Special Dividend) | -- | -- | -- | -- | -- | |
| Special Dividend Paid | ||||||
| Long-Term Debt Issued | -- | -- | -- | -- | -- | |
| Long-Term Debt Repaid | -- | -- | -- | -- | -- | |
| Repurchase of Common Stock | -- | -- | -- | -- | -- | |
| Other Financing Activities | -- | -- | -- | -- | -- | |
| Cash From Financing | -- | -- | -- | -- | -- | |
| Beginning Cash (CF) | -- | -- | -- | -- | -- | |
| Foreign Exchange Rate Adjustment | -- | -- | -- | -- | -- | |
| Additions / Reductions | -- | -- | -- | -- | -- | |
| Ending Cash (CF) | -- | -- | -- | -- | -- | |
| Levered Free Cash Flow | -- | -- | -- | -- | -- | |
| Period Ending | 2021-09-30 | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2025-09-30 | |
|---|---|---|---|---|---|---|
| Net Income to Stockholders | -- | -- | -- | -- | -- | |
| Depreciation & Amoritzation | -- | -- | -- | -- | -- | |
| Stock-Based Compensation | -- | -- | -- | -- | -- | |
| Change in Accounts Receivable | -- | -- | -- | -- | -- | |
| Change in Inventories | -- | -- | -- | -- | -- | |
| Cash From Operations | -- | -- | -- | -- | -- | |
| Capital Expenditures | -- | -- | -- | -- | -- | |
| Cash Acquisitions | -- | -- | -- | -- | -- | |
| Cash From Investing | -- | -- | -- | -- | -- | |
| Dividends Paid (Ex Special Dividend) | -- | -- | -- | -- | -- | |
| Special Dividend Paid | -- | -- | -- | -- | -- | |
| Long-Term Debt Issued | -- | -- | -- | -- | -- | |
| Long-Term Debt Repaid | -- | -- | -- | -- | -- | |
| Repurchase of Common Stock | -- | -- | -- | -- | -- | |
| Other Financing Activities | -- | -- | -- | -- | -- | |
| Cash From Financing | -- | -- | -- | -- | -- | |
| Beginning Cash (CF) | -- | -- | -- | -- | -- | |
| Foreign Exchange Rate Adjustment | -- | -- | -- | -- | -- | |
| Additions / Reductions | -- | -- | -- | -- | -- | |
| Ending Cash (CF) | -- | -- | -- | -- | -- | |
| Levered Free Cash Flow | -- | -- | -- | -- | -- | |
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Financial Ratios
PBNK
Sector
P/E ratio
13.39x
11.87x
PEG ratio
3.34x
0.31x
P/B ratio
1.07x
1.08x
Price / LTM sales
2.22x
1.79x
Growth Metrics
PBNK
Sector
Revenue growth
-4.8%
5.56%
Earnings growth
354%
14.6%
Revenue (5-year growth)
16.97%
8.86%
Earnings forecast
--
$0.62
Profitability
PBNK
Sector
Profitability FY 2024
--
--
Return on invested capital
8.45%
5.04%
Return on assets
0.97%
1.02%
Return on equity
8.49%
9.68%
Earnings Date
Last Earnings Date
Dec
8
Next Earnings Date
Dec
8
Estimated Next Earnings Date
Mar
9
Balance Sheet
PBNK
Sector
Total cash
--
$436.6M
Short term investments
$23.1M
$211.5M
Total assets
$847.9M
$3.1B
Long term debt
--
$84.4M
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