PB Should I Buy
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PB is not a good buy right now for an impatient investor. The stock is still in a post-deal selloff with bearish momentum (MACD worsening) and multiple fresh Wall Street downgrades/price-target cuts tied to the Stellar Bancorp acquisition’s longer tangible book value earn-back. While fundamentals are steady and the price is near support (which could produce a bounce), the near-term setup is more “stabilize first” than “buy now.”
Intellectia Proprietary Trading Signals
Trend/momentum is currently bearish. MACD histogram is -0.53 (below zero) and negatively expanding, indicating downside momentum is strengthening rather than fading. RSI(6) at ~34 is near oversold territory, suggesting selling pressure has been heavy, but not yet a clear reversal signal. Moving averages are converging, consistent with a transition phase after a sharp drop rather than a confirmed uptrend.
Key levels: Pivot ~71.04 is overhead and acts as near-term resistance; PB at ~68.43 is below the pivot, reinforcing a bearish/neutral bias. Immediate support is S1 ~66.85; if that breaks, next support is S2 ~64.26. Near-term upside levels to reclaim are ~71.04 then ~75.22.
Pattern-based forward view provided: ~40% chance of -0.69% next day, +2.21% next week, +3.44% next month—suggesting modest rebound odds, but not strong enough to override current negative momentum.
2025/Q4 and full-year profitability trend: 2025 net income reported up ~13.1% vs 2024 (per news summary), and Q4 YoY EPS growth (1.49, +8.76%) supports underlying earnings resilience.
Strategic upside from the Stellar Bancorp acquisition: improved Houston market density and higher-quality deposit base could strengthen longer-term franchise positioning and scale (combined assets cited around $54B; aiming to become #2 by deposits in Texas).
Sector tailwinds possibility: at least one bullish sell-side view (TD Cowen Buy) points to balance sheet repricing tailwinds and a potentially more dovish Fed environment into 2026.
and rating downgrades (Piper to Neutral; Raymond James to Market Perform) reduce near-term sponsorship.
indicate the downtrend hasn’t clearly ended.
Latest quarter (2025/Q4): Revenue $310.051M (+3.51% YoY), Net Income $139.907M (+7.56% YoY), EPS $1.49 (+8.76% YoY). This shows steady positive growth rather than acceleration, and supports that the core bank is performing adequately. The market’s main issue appears to be forward integration/earn-back and near-term returns profile post-Stellar deal, not a collapse in current-quarter earnings.
Insiders: neutral (no significant recent trend). Congress trading: no recent data available.
Recent trend is clearly negative/less supportive. In the last few weeks, PB saw multiple downgrades and price-target reductions tied to the Stellar acquisition and near-term valuation/earnings-growth constraints:
Wall Street pros vs cons: Pros focus on strategic Texas scale, deposit quality, and macro bank tailwinds; cons focus on deal price/earn-back timeline, near-term underperformance risk, and reduced probability of multiple expansion.
