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PBCO Financial Corporation (PBCO) AI Stock Analysis
PBCO Financial Corporation
(Other OTC:PBCO)
Overall score reflects solid and improving financial performance (revenue acceleration, better profitability, and lower leverage) as the primary support. This is tempered by weaker near-term technical momentum (below key short-term moving averages and negative MACD). Valuation is fair with a moderate P/E and a modest dividend yield.
PBCO Financial Corporation (PBCO) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $140.75M
- Dividend Yield
- 1.42%
- Average Volume (3M)
- 2,783
- Price to Earnings (P/E)
- 14.2
- Beta (1Y)
- 0.09
- Revenue Growth
- 6.52%
- EPS Growth
- 18.30%
- Country
- US
- Employees
- 129
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
PBCO Financial Corporation Business Overview & Revenue Model
Company Description
PBCO Financial Corporation, established in Medford, Oregon, in 1998, operates as the parent company for People's Bank of Commerce. This institution provides a comprehensive array of commercial banking solutions tailored for both enterprises and indiv...
PBCO Financial Corporation Financial Statement Overview
Summary
Fundamentals are improving: revenue accelerated in 2025 (~18% vs. 2024) and profitability recovered to solid net margins (~18% in 2024–2025). The balance sheet is meaningfully de-risked with lower leverage (debt-to-equity down to ~0.29 in 2025), and free cash flow remains positive in 2024–2025. The main constraint is volatility (sharp 2023 drop and choppy cash-flow history), which reduces confidence in consistency.
Income Statement
74PositiveBalance Sheet
77PositiveCash Flow
70Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 49.10M | 46.74M | 44.30M | 34.15M | 39.50M | 38.66M |
| Gross Profit | 37.97M | 34.77M | 32.90M | 25.83M | 37.78M | 37.72M |
| EBITDA | 13.52M | 13.37M | 12.74M | 3.14M | 14.87M | 16.45M |
| Net Income | 10.01M | 8.56M | 8.09M | 978.51K | 9.86M | 11.47M |
Balance Sheet | ||||||
| Total Assets | 772.75M | 788.63M | 798.90M | 763.35M | 804.25M | 859.60M |
| Cash, Cash Equivalents and Short-Term Investments | 7.81M | 5.96M | 49.84M | 20.05M | 16.38M | 82.84M |
| Total Debt | 29.77M | 27.89M | 28.59M | 49.76M | 34.45M | 7.44M |
| Total Liabilities | 672.35M | 691.00M | 711.28M | 685.76M | 735.84M | 780.53M |
| Stockholders Equity | 100.39M | 97.63M | 87.62M | 77.59M | 68.41M | 79.07M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 10.55M | 11.30M | 5.11M | 10.47M | 13.99M |
| Operating Cash Flow | 0 | 11.52M | 12.61M | 9.02M | 11.85M | 15.92M |
| Investing Cash Flow | 0 | 573.90K | -5.95M | 42.64M | -32.36M | -136.97M |
| Financing Cash Flow | 0 | -23.97M | 23.36M | -47.99M | -44.95M | 110.21M |
PBCO Financial Corporation Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PBCO, the sentiment is Negative. The current price of 27.75 is above the 20-day moving average (MA) of 27.63, below the 50-day MA of 28.35, and above the 200-day MA of 23.10, indicating a neutral trend. The MACD of -0.25 indicates Negative momentum. The RSI at 43.88 is Neutral, neither overbought nor oversold. The STOCH value of 79.90 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PBCO.
PBCO Financial Corporation Peers Comparison
Overall Rating
SBFG80Outperform- PBCO68Neutral
MNSB67Neutral
SRBK54Neutral
FGBI53Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| SBFG | 80Outperform | $192.94M | 11.53 | 11.57% | 2.04% | 9.01% | 26.10% |
| PBCO | 68Neutral | $139.10M | 14.16 | 10.11% | 1.42% | 6.52% | 18.30% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| MNSB | 67Neutral | $151.57M | 10.98 | 7.61% | 1.88% | -5.53% | ― |
| SRBK | 54Neutral | $134.47M | 36.84 | 2.02% | 1.17% | 9.63% | 37.01% |
| FGBI | 53Neutral | $158.61M | 8.56 | 9.18% | 0.42% | -2.49% | ― |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| PBCO | PBCO Financial Corporation | 27.43 | 10.59 | 62.91% | |
| SBFG | SB Financial Group Inc | 30.89 | 11.77 | 61.57% | |
| FGBI | First Guaranty Bancshares | 9.59 | 3.81 | 65.97% | |
| MNSB | Mainstreet Bancshares | 21.30 | 2.98 | 16.27% | |
| SRBK | SR Bancorp, Inc. | 18.79 | 4.16 | 28.45% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 24, 2026