PBNC vs MFIN: Earnings, Dividends & Valuation

PB Financial Corporation PBNC | OTC

$74.20 $0.00 | 0.00%

Dividend Safety RatingUnlock

Market Cap: $215.36 M

PE Ratio: 9.53

52-Week Range: $53 - $78.93

6.9-year Total Return: +145.6%

Dividend Yield (FWD): 3.40%

Medallion Financial Corp. MFIN | NASDAQ

$9.45 $0.00 | 0.00%

Dividend Safety RatingUnlock

Market Cap: $213.02 M

PE Ratio: 8.51

52-Week Range: $7.85 - $12.26

6.9-year Total Return: +63.8%

Dividend Yield (FWD): 5.93%

6.9-year Total Returns with DRIP & Price Chart for PBNC and MFIN

1Y 2Y 5Y 10Y All

6.9-yr Total Returns PBNC vs MFIN

	PBNC	MFIN
Initial Balance	$10,000	$10,000
Initial Price	$35	$7.21
Initial Shares	285.71	1386.96

Total Dividends	$2,232	$3,015
Last Dividend	$0.63	$0.14
Estimated Divs	$209 / quarter	$243 / quarter
Yield-on-Cost	7.2%	7.77%
End Shares	331.03 (+45.32)	1733.21 (+346.25)
Last Shares Price	$74.2	$9.45
Total End Value	$24,563	$16,379
Total Return	+145.6%	+63.8%
Comparison start date: Dec 18, 2019

PBNC & MFIN Dividend Charts

Dividend Payments & Yield - PBNC

PBNC Dividend CAGR:1Y: 5.00%2Y: 6.07%5Y: 18.47%10Y: 20.18%

Dividend Payments & Yield - MFIN

MFIN Dividend CAGR:1Y: -1.18%2Y: -1.18%5Y: -1.18%10Y: -1.18%

Dividend Payout Ratio - PBNC

Dividend Payout Ratio - MFIN

Dividend to Free Cash Flow (FCF) Ratio - PBNC

Dividend to Free Cash Flow (FCF) Ratio - MFIN

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Fundamentals: Revenue, Earnings, Cash Flow, EBITDA & Shares Outstanding:

PBNC - Revenue

PBNC Revenue CAGR:1Y: 81.47%2Y: 7.76%5Y: 33.91%10Y: N/A

MFIN - Revenue

MFIN Revenue CAGR:1Y: 65.19%2Y: 12.80%5Y: 14.79%10Y: 21.64%

PBNC - Earnings Per Share (EPS)

PBNC EPS CAGR:1Y: 12.30%2Y: 16.77%5Y: 13.60%10Y: N/A

MFIN - Earnings Per Share (EPS)

MFIN EPS CAGR:1Y: -68.75%2Y: -48.01%5Y: -31.01%10Y: -7.15%

PBNC - Net Income

PBNC Net Income CAGR:1Y: 14.64%2Y: 18.59%5Y: 22.50%10Y: N/A

MFIN - Net Income

MFIN Net Income CAGR:1Y: -82.39%2Y: -47.24%5Y: -31.54%10Y: -7.17%

PBNC - EBITDA

PBNC EBITDA CAGR:1Y: 13.38%2Y: 18.36%5Y: 22.58%10Y: N/A

MFIN - EBITDA

MFIN EBITDA CAGR:1Y: 79.35%2Y: 56.18%5Y: 9.88%10Y: 22.27%

PBNC - Free Cash Flow

PBNC Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: N/A

MFIN - Free Cash Flow

MFIN Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

PBNC - Free Cash Flow / Share

PBNC Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: N/A

MFIN - Free Cash Flow / Share

MFIN Free Cash Flow / Share CAGR:1Y: -32.92%2Y: 27.39%5Y: 16.93%10Y: -5.28%

PBNC - Shares Outstanding

PBNC Shares Outstanding CAGR:1Y: 2.91%2Y: 2.59%5Y: 6.86%10Y: N/A

MFIN - Shares Outstanding

MFIN Shares Outstanding CAGR:1Y: -3.23%2Y: 0.42%5Y: -1.10%10Y: -0.22%

PBNC - Stock-Based Comp

PBNC Stock-Based Comp CAGR:1Y: N/A2Y: N/A5Y: N/A10Y: N/A

MFIN - Stock-Based Comp

MFIN Stock-Based Comp CAGR:1Y: -100.00%2Y: -100.00%5Y: -100.00%10Y: N/A

PBNC - Expenses

PBNC Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: N/A

MFIN - Expenses

MFIN Expenses CAGR:1Y: -85.29%2Y: -60.34%5Y: -29.16%10Y: 5.20%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

PBNC - REVENUE: Actual + Estimates

PBNC Actual Revenue CAGR:1Y: 81.47%2Y: 7.76%5Y: 33.91%10Y: N/A

MFIN - REVENUE: Actual + Estimates

MFIN Actual Revenue CAGR:1Y: 65.19%2Y: 12.80%5Y: 14.79%10Y: 21.64%

PBNC - EPS: Actual + Estimates

PBNC Actual EPS CAGR:1Y: 12.30%2Y: 16.77%5Y: 13.60%10Y: N/A

MFIN - EPS: Actual + Estimates

MFIN Actual EPS CAGR:1Y: -68.75%2Y: -48.01%5Y: -31.01%10Y: -7.15%

PBNC - NET INCOME: Actual + Estimates

PBNC Actual Net Income CAGR:1Y: 14.64%2Y: 18.59%5Y: 22.50%10Y: N/A

MFIN - NET INCOME: Actual + Estimates

MFIN Actual Net Income CAGR:1Y: -82.39%2Y: -47.24%5Y: -31.54%10Y: -7.17%

PBNC - EBITDA: Actual + Estimates

PBNC Actual EBITDA CAGR:1Y: 13.38%2Y: 18.36%5Y: 22.58%10Y: N/A

MFIN - EBITDA: Actual + Estimates

MFIN Actual EBITDA CAGR:1Y: 79.35%2Y: 56.18%5Y: 9.88%10Y: 22.27%

Ratios, Profit Margins & Return on Capital:

PBNC - Net Profit Margin

PBNC Net Profit Margin CAGR:1Y: -36.83%2Y: 10.04%5Y: -8.52%10Y: N/A

MFIN - Net Profit Margin

MFIN Net Profit Margin CAGR:1Y: -81.72%2Y: -53.20%5Y: -40.34%10Y: -23.67%

PBNC - Gross Profit Margin

PBNC Gross Profit Margin CAGR:1Y: -39.18%2Y: 5.02%5Y: -9.47%10Y: N/A

MFIN - Gross Profit Margin

MFIN Gross Profit Margin CAGR:1Y: 107.83%2Y: 53.63%5Y: 1.99%10Y: 2.35%

PBNC - Price to Earnings

MFIN - Price to Earnings

PBNC - Price To Sales Ratio

MFIN - Price To Sales Ratio

PBNC - Return on Capital Employed

MFIN - Return on Capital Employed

PBNC - Return on Invested Capital

MFIN - Return on Invested Capital

Combined Charts: Earnings, Cash Flow, Valuation, Cash & Debt:

PBNC - EPS vs PE Ratio

MFIN - EPS vs PE Ratio

PBNC - FCF vs FCF/Share

MFIN - FCF vs FCF/Share

PBNC - EPS vs FCF per Share

MFIN - EPS vs FCF per Share

PBNC - FCF vs Stock Based Comp

MFIN - FCF vs Stock Based Comp

PBNC - Revenue vs Net Income

MFIN - Revenue vs Net Income

PBNC - Cash & Debt

MFIN - Cash & Debt

Dividend History Tables

PBNC Dividends Info:

Estimated Annual Dividend: $2.52

Forward Yield: 3.4%

Ex-Dividend Date: 2026-08-03

Lifetime Dividends / Share: $10.79

PBNC Dividend History: Dates, Payments & Yield list

Below is a schedule of all PBNC dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
08/03/2026	08/05/2026	$0.630	3.55%	3.55%	$71.00
05/07/2026	05/11/2026	$0.620	3.31%	3.31%	$75.00
02/18/2026	02/20/2026	$0.610	3.96%	3.96%	$61.60
02/11/2026	02/13/2026	$0.340	2.21%	2.21%	$61.60
11/12/2025	11/14/2025	$0.600	4.44%	4.44%	$54.00
08/01/2025	08/04/2025	$0.590	4.72%	4.71%	$50.10
05/08/2025	05/12/2025	$0.580	4.82%	4.82%	$48.10
02/11/2025	02/13/2025	$0.570	4.77%	5.01%	$45.51
11/05/2024	11/07/2024	$0.560	5.33%	5.33%	$42.00
08/02/2024	08/05/2024	$0.540	5.28%	5.28%	$40.90
05/07/2024	05/09/2024	$0.530	4.94%	0%	$0.00
02/05/2024	02/07/2024	$0.520	5.07%	5.01%	$41.50
11/06/2023	11/08/2023	$0.510	5.2%	0%	$0.00
08/04/2023	08/07/2023	$0.500	4.8%	0%	$0.00
05/09/2023	05/11/2023	$0.450	4.21%	0%	$0.00
02/06/2023	02/08/2023	$0.400	3.75%	0%	$0.00
11/04/2022	11/25/2022	$0.350	0%	3.37%	$41.60
07/29/2022	08/22/2022	$0.310	3.18%	3.08%	$40.31
05/10/2022	05/26/2022	$0.290	3.02%	3.02%	$38.45
02/07/2022	02/24/2022	$0.280	2.8%	2.92%	$38.35
11/08/2021	11/26/2021	$0.270	2.88%	2.86%	$37.75
07/30/2021	08/23/2021	$0.260	2.94%	2.94%	$35.36
05/11/2021	05/26/2021	$0.250	0%	2.84%	$35.25
02/08/2021	02/25/2021	$0.230	2.63%	2.63%	$35.01

MFIN Dividends Info:

Estimated Annual Dividend: $0.56

Forward Yield: 5.93%

Ex-Dividend Date: 2026-08-17

Lifetime Dividends / Share: $17.01

MFIN Dividend History: Dates, Payments & Yield list

Below is a schedule of all MFIN dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
08/17/2026	08/19/2026	$0.140	5.05%	4.9%	$11.43
05/11/2026	05/13/2026	$0.140	5.97%	5.98%	$9.37
03/19/2026	03/23/2026	$0.120	5.63%	5.49%	$8.74
11/12/2025	11/14/2025	$0.120	4.8%	4.88%	$9.84
08/15/2025	08/18/2025	$0.120	4.74%	4.69%	$10.24
05/15/2025	05/19/2025	$0.120	5.16%	5.2%	$9.23
03/17/2025	03/19/2025	$0.110	5.02%	4.96%	$8.87
11/15/2024	11/18/2024	$0.110	4.62%	4.63%	$9.50
08/15/2024	08/19/2024	$0.100	5.15%	5.04%	$7.93
05/14/2024	05/16/2024	$0.100	4.95%	5%	$8.00
03/14/2024	03/18/2024	$0.100	5.11%	5.33%	$7.51
11/14/2023	11/16/2023	$0.100	4.63%	4.5%	$8.88
08/14/2023	08/16/2023	$0.080	3.84%	3.74%	$8.56
05/12/2023	05/15/2023	$0.080	4.82%	4.9%	$6.53
03/14/2023	03/16/2023	$0.080	3.97%	4.22%	$7.58
11/14/2022	11/30/2022	$0.080	1.19%	1.07%	$7.45
08/12/2022	08/31/2022	$0.080	0.96%	4.02%	$7.96
05/13/2022	05/31/2022	$0.080	1.04%	4.13%	$7.74
03/11/2022	03/31/2022	$0.080	0.88%	0.94%	$8.50
11/28/2016	12/07/2016	$0.050	5.67%	5.63%	$3.55
08/22/2016	08/31/2016	$0.050	3.95%	4.23%	$4.73
05/16/2016	05/26/2016	$0.250	13.16%	12.44%	$8.04
03/29/2016	04/11/2016	$0.250	10.49%	11.52%	$8.68
11/10/2015	11/20/2015	$0.250	11.75%	12.33%	$8.11
08/13/2015	08/24/2015	$0.250	12.06%	13.35%	$7.49
05/12/2015	05/21/2015	$0.250	9.24%	9.49%	$10.54
03/13/2015	03/24/2015	$0.240	9.49%	9.94%	$9.66
11/10/2014	11/21/2014	$0.240	8.53%	8.64%	$11.11
08/12/2014	08/21/2014	$0.240	8.37%	8.02%	$11.97
05/14/2014	05/23/2014	$0.240	7.11%	7.2%	$13.33
03/12/2014	03/21/2014	$0.230	6.52%	6.82%	$13.49
11/13/2013	11/27/2013	$0.230	5.64%	5.25%	$17.52
08/14/2013	08/23/2013	$0.220	5.97%	5.99%	$14.69
05/15/2013	05/24/2013	$0.220	5.61%	5.64%	$15.60
03/19/2013	03/28/2013	$0.220	6.78%	6.66%	$13.22
11/14/2012	11/27/2012	$0.210	7.47%	7.06%	$11.89
08/14/2012	08/24/2012	$0.210	7.4%	7.47%	$11.24
05/11/2012	05/25/2012	$0.210	7.29%	7.98%	$10.52
03/21/2012	03/30/2012	$0.200	7.27%	7.17%	$11.16
11/14/2011	11/23/2011	$0.190	6.51%	6.83%	$11.12
08/17/2011	09/02/2011	$0.180	7.72%	7.45%	$9.67
05/18/2011	05/31/2011	$0.170	7.3%	7.1%	$9.58
03/14/2011	03/25/2011	$0.160	7.74%	7.49%	$8.54
11/12/2010	11/23/2010	$0.150	7.11%	7.06%	$8.50
08/18/2010	09/03/2010	$0.150	8.43%	8.4%	$7.14
05/19/2010	05/28/2010	$0.150	7.66%	8.16%	$7.35
03/11/2010	03/22/2010	$0.150	7.46%	7.43%	$8.07
11/18/2009	11/30/2009	$0.190	9.27%	9.2%	$8.26
08/26/2009	09/14/2009	$0.190	9.36%	9.3%	$8.17
05/20/2009	06/09/2009	$0.190	10.27%	10.15%	$7.49
03/13/2009	03/30/2009	$0.190	12.9%	11.24%	$6.76
11/19/2008	12/12/2008	$0.190	11.08%	10.56%	$7.20
08/13/2008	08/29/2008	$0.190	7.54%	7.32%	$10.38
05/14/2008	06/02/2008	$0.190	7.63%	7.88%	$9.64
03/12/2008	03/31/2008	$0.190	7.69%	8.41%	$9.04
11/20/2007	12/07/2007	$0.190	7.72%	7.45%	$10.20
08/15/2007	08/31/2007	$0.190	6.74%	6.92%	$10.99
05/16/2007	06/01/2007	$0.190	6.38%	6.55%	$11.61
03/28/2007	04/13/2007	$0.190	6.34%	6.32%	$12.03
11/21/2006	12/08/2006	$0.180	5.92%	6.01%	$11.99
08/16/2006	08/30/2006	$0.170	6.14%	5.98%	$11.37
05/11/2006	05/25/2006	$0.160	4.96%	4.93%	$12.99
03/08/2006	03/27/2006	$0.150	4.78%	4.51%	$13.31
11/23/2005	12/12/2005	$0.140	5.61%	5.28%	$10.60
08/17/2005	08/31/2005	$0.130	4.93%	4.83%	$10.77
05/18/2005	05/31/2005	$0.120	5.14%	5.18%	$9.26
03/09/2005	03/25/2005	$0.110	4.84%	0%	$0.00
11/09/2004	11/22/2004	$0.100	4.4%	4.29%	$9.33
08/10/2004	08/26/2004	$0.080	2.16%	3.98%	$8.04
05/12/2004	05/24/2004	$0.080	1.98%	4.17%	$7.68
03/10/2004	03/26/2004	$0.070	1.71%	1.76%	$7.95
11/12/2003	11/21/2003	$0.050	1.15%	1.17%	$8.57
08/06/2003	08/18/2003	$0.030	0.94%	0.92%	$6.52
05/14/2003	05/27/2003	$0.010	0.34%	0.32%	$6.22
08/29/2002	09/13/2002	$0.030	1.26%	1.27%	$4.72
12/27/2001	01/14/2002	$0.090	4.44%	4.36%	$8.25
08/29/2001	09/10/2001	$0.150	5.76%	6.02%	$9.96
05/22/2001	06/05/2001	$0.140	4.87%	5.11%	$10.96
12/06/2000	01/12/2001	$0.360	12.52%	10.52%	$13.69
10/11/2000	12/01/2000	$0.150	3.66%	5%	$12.00
08/23/2000	09/05/2000	$0.360	8.83%	9.44%	$15.25
05/18/2000	06/01/2000	$0.350	8.12%	9.66%	$14.50
12/29/1999	01/11/2000	$0.400	9.01%	9.77%	$16.38
11/17/1999	12/01/1999	$0.320	6.56%	6.63%	$19.31
08/19/1999	09/01/1999	$0.290	5.99%	5.87%	$19.75
05/13/1999	05/25/1999	$0.288	6.51%	6.58%	$17.50
12/29/1998	01/11/1999	$0.340	9.71%	7.61%	$17.88
11/12/1998	11/30/1998	$0.300	7.74%	7.74%	$15.50
08/13/1998	08/27/1998	$0.300	6.67%	9.6%	$12.50
05/14/1998	05/27/1998	$0.280	4.15%	4.37%	$25.63
12/29/1997	01/09/1998	$0.270	5.3%	5.7%	$18.94
11/13/1997	12/01/1997	$0.240	4.35%	4.47%	$21.50
08/14/1997	08/28/1997	$0.220	4.69%	4.51%	$19.50
05/06/1997	05/21/1997	$0.220	4.96%	5.06%	$17.38
12/26/1996	01/30/1997	$0.210	18.33%	15.62%	$16.13
11/08/1996	11/26/1996	$0.200	5.56%	5.56%	$14.38
11/09/2026	11/13/2026	$0.140	5.78%	0%	$0.00

Projected Future Values & Dividends for PBNC & MFIN

Based on past 6.9 years performance, PBNC had share price CAGR of +24.66%, and dividend CAGR of +18.02%.

During same period MFIN had share price CAGR of +11.23%, and dividend CAGR of +0.00%.

Using these CAGR metrics, we can estimate that your initial $10,000 investment from 6.9 years ago, with dividends being reinvested (DRIP), is modelled to grow and collect dividends as follows:

Projection uses PBNC applied at 10.00% price / 10.00% dividend; MFIN applied at 0.00% price / 0.00% dividend.

	PBNC	MFIN
Start Value	$10,000	$10,000
Start Share Price	$74.20	$9.45
Start Shares	134.77	1,058.20

After 10 years:	PBNC	MFIN
Final Share Count	189.00	1,905.64
Dividends Payment	$1.63	$0.14
Annual Dividends	$1,235	$1,067
Share Price	$192.46	$9.45
Total Dividends	$6,582	$8,008
Final Value	$36,375	$18,008

Estimated Future Returns - PBNC

Estimated Future Returns - MFIN

Estimate Dividend Snowball and total future returns for PBNC and MFIN with our dividend (DRIP) calculator.

Above numbers are merely projections based on Dividend and Price CAGR for each stock, and should only be considered as 'potential future returns'! These numbers assume DRIP (reinvesting dividends).

We cannot guarantee that your actual returns will meet these metrics.

Compare Stocks: PBNC vs MFIN