PNBK (PNBK)

Financial Metrics & Valuation Analysis

Enterprise Valuation (TTM)

Enterprise Value$67.10M
EV / Sales1.10
EV / EBITDA-6.39
EV / Operating Cash Flow-5.95
EV / Free Cash Flow-5.63

Return Metrics (TTM)

Return on Equity (ROE)-13.51%
Return on Assets (ROA)-0.99%
Return on Invested Capital (ROIC)-9.05%
Return on Capital Employed (ROCE)-9.05%

Yield Metrics

Earnings Yield-13.12%
Free Cash Flow Yield-8.89%

Balance Sheet Strength

Net Debt / EBITDA6.37
Current Ratio0.23
Working Capital-$803.46M
Tangible Asset Value$90.11M
Net Current Asset Value-$841.62M

Working Capital Efficiency

Days Sales Outstanding37.56
Days Payables Outstanding0.00
Operating Cycle (Days)37.56
Cash Conversion Cycle37.56

Capital Allocation

CapEx / Revenue1.06%
CapEx / Operating Cash Flow-5.74%
R&D / Revenue0.00%
SG&A / Revenue4.43%

Fiscal Year 2025 Ratios

Audited annual results as of 2025-12-31

Margins

Gross Profit Margin48.01%
Operating Margin-21.75%
Net Profit Margin-21.85%

Solvency

Debt / Equity0.17
Quick Ratio0.44
Cash Ratio0.19

Per Share

Revenue / Share$0.74
FCF / Share-$0.18
PE Ratio-11.38