PBCO Financial Corporation (PBCO) AI Stock Analysis

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PBCO Financial Corporation

(Other OTC:PBCO)

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Rating:67Neutral

Price Target:$30.00▲(9.97% Upside)

Action:downgraded

Date:10/24/26

The company's strong financial foundation, marked by solid revenue growth, excellent cash flow, and a conservative balance sheet, is the primary driver of the score. However, the stock is under near-term technical pressure, trading below key short-term moving averages with weak momentum, which tempers the outlook. The valuation is fair and adds stability to the overall assessment.

Positive Factors

Revenue GrowthThe 2025 revenue acceleration indicates improving business activity after a weaker period and supports the bank’s ability to expand its earning base. If sustained, stronger revenue provides additional capacity to absorb operating costs, support capital formation, and fund continued lending across its community markets.

Negative Factors

Earnings VolatilityThe sharp movement in profitability across recent years reduces confidence that current earnings levels will persist consistently. Earnings volatility can complicate capital planning and make it harder for management to maintain steady lending, investment, and shareholder-return decisions through changing conditions.

PBCO Financial Corporation (PBCO) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $139.48M
Dividend Yield: 1.43%
Average Volume (3M): 2,002
Price to Earnings (P/E): 14.0
Beta (1Y): 0.10
Revenue Growth: 6.52%
EPS Growth: 18.30%
Country: US
Employees: 141
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

Strong revenue growth (18.3% latest year) and excellent cash flow conversion (FCF 23% above net income) are offset by a modest ROE (8.8%) and historical net margin volatility. The balance sheet is robust with low leverage (debt 28.6% of equity) and a solid equity-to-assets ratio (12.4%).

Income Statement

75Positive

Balance Sheet

78Positive

Cash Flow

85Very Positive

Financial statement breakdown
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

Technical Analysis SentimentNegative

Last Price27.28

Price Trends

50DMA28.07Negative

100DMA27.71Negative

200DMA23.59Positive

Market Momentum

MACD-0.17Negative

RSI44.53Neutral

STOCH27.04Neutral

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 27.28 is below the 20-day moving average (MA) of 27.44, below the 50-day MA of 28.07, and above the 200-day MA of 23.59, indicating a neutral trend. The MACD of -0.17 indicates Negative momentum. The RSI at 44.53 is Neutral, neither overbought nor oversold. The STOCH value of 27.04 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

UnderperformOutperform

Sector (68)

Financial Indicators

PBCO against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SBFG	72Outperform	$185.88M	11.10	11.57%	2.15%	8.90%	26.03%
MNSB	70Outperform	$152.74M	11.06	7.61%	1.86%	-5.53%	―
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PBCO	67Neutral	$138.37M	14.03	10.11%	1.43%	6.52%	18.30%
FGBI	66Neutral	$205.48M	11.03	9.18%	0.32%	-2.49%	―
SRBK	63Neutral	$133.56M	37.23	2.02%	1.16%	9.63%	37.01%

* Financial Sector Average

Performance Comparison

PBCO and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
PBCO	PBCO Financial Corporation	27.28	10.40	61.58%
SBFG	SB Financial Group Inc	29.76	10.65	55.72%
FGBI	First Guaranty Bancshares	12.35	7.26	142.82%
MNSB	Mainstreet Bancshares	21.46	3.62	20.32%
SRBK	SR Bancorp, Inc.	18.99	4.21	28.52%

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.

Date of analysis: Oct 24, 2026

PBCO Financial Corporation AI Stock Analysis