No insider purchase over the last 90 days. The latest, by Carroll Joseph W, was filed 31 Jul 2025.
PB Bankshares, Inc. belongs to the Finance & Banking sector. Filings by its managers are published through SEC (Form 4). Between 22 October 2025 and 22 October 2026, 13 insiders published 40 filings.
Not one of the filings records a straightforward purchase or sale on the market. Such operations are usually part of compensation schedules, which makes them a weaker signal than an open-market trade.
No insider has bought PB Bankshares, Inc. shares on the open market in the past twelve months. Filings reach the SEC (Form 4) feed a median of 1 day after the trade. For comparison, the SEC allows two business days to file a Form 4.
Compared with its exchange (5,461 companies, median 27 filings), a count of 40 filings is above the norm. Over the whole record (from 2021), the tally stands at 97 purchases and no sales.
Source: insider filings from SEC (Form 4). Past trades are no guide to future returns.
FY ended December 2024 · cache
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PB Bankshares, Inc. (NASDAQ: PBBK) is a U.S.-based bank holding company headquartered in Coatesville, Pennsylvania, United States. It is the parent company of Presence Bank, a community bank whose core business is traditional relationship banking: deposit gathering, commercial lending, residential and consumer lending, and related banking services for local customers. For investors in France, Belgium, and Switzerland, PB Bankshares is best viewed as a small-cap U.S. regional banking name listed on the NASDAQ, with performance driven primarily by net interest margin, funding costs, asset quality, and deposit stability. ([s28.q4cdn.com](https://s28.q4cdn.com/788292776/files/doc_earnings/2025/q1/earnings-result/PBBK-Earnings-Release-Q1-2025.pdf))
The company’s operating roots go back to 1919, when Presence Bank was founded. PB Bankshares serves as the listed holding company for that long-standing local franchise, giving it a history that is significantly deeper than many newly listed community bank peers. Its footprint remains concentrated in Pennsylvania, where it operates four banking offices and one loan production office across Chester, Lancaster, and Dauphin counties. That geographic concentration reinforces its community-bank identity: the model is built on local customer relationships, regional knowledge, and conservative credit underwriting rather than national scale. ([s28.q4cdn.com](https://s28.q4cdn.com/788292776/files/doc_earnings/2025/q1/earnings-result/PBBK-Earnings-Release-Q1-2025.pdf))
From a business-line perspective, the franchise is straightforward but relevant for income-focused bank investors. The bank generates revenue mainly through interest income on loans and securities, supplemented by fee income from deposit services and other banking activities. Recent disclosures indicate that management has been focused on improving the net interest margin by lowering deposit costs and improving loan yields, while also expanding cash management relationships to control funding expenses. The loan book has continued to tilt toward commercial real estate, although management has also emphasized monitoring concentration risk and stress-testing non-owner-occupied commercial real estate exposure. ([s28.q4cdn.com](https://s28.q4cdn.com/788292776/files/doc_earnings/2025/q1/earnings-result/PBBK-Earnings-Release-Q1-2025.pdf))
Competitive positioning is that of a niche regional lender rather than a large diversified bank. PB Bankshares competes with other community banks and regional institutions across central and southeastern Pennsylvania, where service quality, local underwriting expertise, and deposit pricing matter more than national brand strength. In that context, its appeal lies in a stable market niche, a clear operating model, and a history of local banking presence. The company’s recent quarterly update showed year-over-year profit growth, better net interest income, and an improved net interest margin, which suggests that operating discipline has been holding up despite a rate-sensitive banking environment. ([s28.q4cdn.com](https://s28.q4cdn.com/788292776/files/doc_earnings/2025/q1/earnings-result/PBBK-Earnings-Release-Q1-2025.pdf))
Recent company news is especially important. PB Bankshares announced a merger agreement with Norwood Financial Corp. in 2025, and subsequent SEC Form 4 filings in late 2025 and early 2026 reflected merger-related insider transactions, including option exercises, share dispositions, and cancellation of equity awards. For market participants, this changes the investment case materially: PB Bankshares is not just a standalone community bank story, but also a transaction-driven situation with the outcome tied to the merger process and related consideration mechanics. That makes the name particularly relevant for investors following SEC insider activity and corporate event catalysts. ([stocktitan.net](https://www.stocktitan.net/sec-filings/PBBK/))
| Fiscal year end | Revenue | Net income | Diluted EPS | Filing |
|---|---|---|---|---|
| Dec 2024 | n.d. | 1.8 m USD | 0.76 USD | 10-K |
| Dec 2023 | n.d. | 1.9 m USD | 0.77 USD | 10-K |
| Dec 2022 | n.d. | 2.1 m USD | 0.82 USD | 10-K |
| Dec 2021 | n.d. | 785,000 USD | 0.31 USD | 10-K |
| Dec 2020 | n.d. | -415,000 USD | n.d. | 10-K |
Amounts in USD, as filed (forms 10-K, 20-F or 40-F). Source: SEC EDGAR.