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PBCO Financial Corporation
(OTC:PBCO)
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Rating:71Outperform
Price Target:
$33.00
▲(10.07% Upside)
Action:Reiterated
Date:07/24/26
PBCO scores well primarily on improving fundamentals (re-accelerating revenue, solid profitability, and meaningfully reduced leverage). Technicals add support via a strong uptrend, though near-overbought RSI tempers momentum. Valuation is reasonable on earnings but less compelling on yield, keeping the overall score in the low 70s.
Positive Factors
Revenue acceleration
Sustained revenue re-acceleration indicates improving core franchise momentum and demand for the bank's products. Over 2–6 months this supports higher operating leverage, better reinvestment capacity and provides a sturdier base for earnings stability if management sustains growth drivers.
Negative Factors
Earnings volatility
Large swings in profitability reduce predictability of core earnings and complicate capital allocation. Persistent earnings volatility can constrain investor confidence and may force conservative provisioning or capital buffers, limiting growth and strategic initiatives over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue acceleration
Sustained revenue re-acceleration indicates improving core franchise momentum and demand for the bank's products. Over 2–6 months this supports higher operating leverage, better reinvestment capacity and provides a sturdier base for earnings stability if management sustains growth drivers.
Read all positive factors
PBCO Financial Corporation (PBCO) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$146.73M
Dividend Yield1.36%
Average Volume (3M)2.06K
Price to Earnings (P/E)15.6
Beta (1Y)0.11
Revenue Growth5.25%
EPS Growth12.31%
CountryUS
Employees129
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.83
Shares Outstanding5,072,054
10 Day Avg. Volume827
30 Day Avg. Volume2,064
Financial Highlights & Ratios
PEG Ratio1.52
Price to Book (P/B)0.97
Price to Sales (P/S)2.02
P/FCF Ratio8.95
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 in...
PBCO Financial Corporation Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
77
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 48.00M | 46.74M | 44.30M | 34.15M | 39.50M | 38.66M |
| Gross Profit | 36.28M | 34.77M | 32.90M | 25.83M | 37.78M | 37.72M |
| EBITDA | 12.72M | 13.37M | 12.74M | 3.14M | 14.87M | 16.45M |
| Net Income | 9.45M | 8.56M | 8.09M | 978.51K | 9.86M | 11.47M |
Balance Sheet | ||||||
| Total Assets | 776.64M | 788.63M | 798.90M | 763.35M | 804.25M | 859.60M |
| Cash, Cash Equivalents and Short-Term Investments | 7.71M | 5.96M | 49.84M | 20.05M | 16.38M | 82.84M |
| Total Debt | 51.43M | 27.89M | 28.59M | 49.76M | 34.45M | 7.44M |
| Total Liabilities | 676.48M | 691.00M | 711.28M | 685.76M | 735.84M | 780.53M |
| Stockholders Equity | 100.16M | 97.63M | 87.62M | 77.59M | 68.41M | 79.07M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 10.55M | 11.30M | 5.11M | 10.47M | 13.99M |
| Operating Cash Flow | 0.00 | 11.52M | 12.61M | 9.02M | 11.85M | 15.92M |
| Investing Cash Flow | 0.00 | 573.90K | -5.95M | 42.64M | -32.36M | -136.97M |
| Financing Cash Flow | 0.00 | -23.97M | 23.36M | -47.99M | -44.95M | 110.21M |
PBCO Financial Corporation Technical Analysis
Positive
29.98
Price Trends
26.63
Positive
23.45
Positive
20.58
Positive
Market Momentum
0.63
Positive
58.29
Neutral
15.67
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PBCO, the sentiment is Positive. The current price of 29.98 is above the 20-day moving average (MA) of 29.49, above the 50-day MA of 26.63, and above the 200-day MA of 20.58, indicating a neutral trend. The MACD of 0.63 indicates Positive momentum. The RSI at 58.29 is Neutral, neither overbought nor oversold. The STOCH value of 15.67 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PBCO.
PBCO Financial Corporation Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $172.27M | 10.40 | 11.79% | 2.42% | 9.50% | 46.27% | |
71 Outperform | $146.73M | 15.59 | 9.64% | 0.83% | 5.25% | 12.31% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $142.31M | 43.50 | 1.80% | 1.10% | 6.46% | 1.90% | |
60 Neutral | $177.31M | 12.43 | 8.00% | 1.71% | -6.41% | ― | |
38 Underperform | $135.62M | -3.14 | -16.19% | 0.84% | -8.66% | -155.96% |
* Financial Sector Average
PBCO
PBCO Financial Corporation
28.73
13.53
89.05%
SBFG
SB Financial Group
27.87
7.30
35.50%
FGBI
First Guaranty Bancshares
8.11
0.24
3.10%
MNSB
MainStreet Bancshares
25.23
3.06
13.81%
SRBK
SR Bancorp, Inc.
19.50
4.55
30.43%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.