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COMPANY SUMMARY
PBCO Financial Corporation operates as a bank holding company for People's Bank of Commerce that provides commercial banking services for businesses and individuals in Oregon. It operates through Core Banking and Factoring Division segments. The company offers checking and savings accounts; and mortgage servicing. It also provides home equity lines of credit; consumer loans and credit lines; auto, recreational vehicle, boat, and personal loans; personal lines of credit; commercial loans and lines of credit; and small business administration loans. In addition, the company offers treasury management and e-banking services; autobooks; ODP business solutions; and debit and credit cards. It has branches in Albany, Ashland, Central Point, Eugene, Grants Pass, Jacksonville, Klamath Falls, Lebanon, Medford, and Salem, Oregon, and surrounding areas. PBCO Financial Corporation was founded in 1998 and is headquartered in Medford, Oregon.
Financial Summary
| Share Statistics | PBCO | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $151.4 | $716.9 | 25% |
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| Shares Out (Mil) | 5.2 | 15.7 | 14% |
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| Institutional Ownership | na | 83.0% | na |
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| Float (Mil) | 4.8 | 21.2 | 12% |
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| Beta | 0.32 | 0.48 | 18% |
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| Avg Daily Volume (000s) | 6 | 53 | 14% |
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| Price Change (52-week) |
118.5% | 96.7% | 94% |
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| Growth | PBCO | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 7.1% | 7.6% | 46% |
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| Net Income (5yr) | 7.1% | 11.1% | 50% |
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| EPS (5yr) | (0.1%) | 10.1% | 31 |
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| Dividends (5yr) | 0.0% | 3.6% | 62% |
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| Cash Flow (5yr) | (16.1%) | (17.0%) | 45% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | PBCO | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $35 | $190 | 17% |
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| Net Income (TTM) (Mil) | $9 | $51 | 45% |
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| EPS (TTM) | $1.630 | $2.500 | 68% |
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| Operating Cash Flow (TTM) (Mil) | na | $34 | na |
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| Net Cash Flow (TTM) (Mil) | na | $1 | na |
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| Long-Term Debt (Q1) (Mil) | $27 | $100 | 34% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | PBCO | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.57 | 1.27 | 41% |
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| P/E | 18.5 | 12.9 | 46% |
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| Dividend Yield | 0.8% | 2.2% | 65% |
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| PEG (5yr hist) | na | 1.1 | na |
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| Ratios | PBCO | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 26.1% | 28.9% | 85% |
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| ROA | 1.0% | 1.0% | 46% |
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| ROE | 9.7% | 11.1% | 57% |
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| Liabilities to Assets | 87.6% | 89.8% | 82% |
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| F-Score | 1 | 4 | 1% |
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PBCO Financial Corporation did not pass any screens on 7/31/2026.
