PBCO Financial Corporation

PBCO Financial Corporation

PBCO
PBCO Financial CorporationUS flagOther OTC
23.75
USD
- -
- -
126.11MMarket Cap
PBCO Financial Corporation
PBCO
(Other OTC)

Recent

price

23.75

P/E

ratio

- -

div

yld

- -

ROIC.AI

2002
2003
2004
2005
2006
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
2.52
3.18
3.26
4.16
3.33
4.9
5.91
6.3
6.97
10.59
7.38
4.85
6.19
- -
3.71
Revenue per Share
0.42
0.57
0.61
0.87
0.67
0.71
1.06
1.24
1.64
3.22
1.92
0.18
1.52
- -
0.41
Basic EPS, GAAP
0.14
1.46
1.28
0.54
- -
-1.63
0.13
1.57
1.54
3.93
2.04
0.96
2.13
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
2.66
3.07
3.45
4.19
3.4
5.53
5.82
6.65
7.91
12.57
17.28
16.71
7.51
- -
3.16
Book Value per Share
4.77
5.32
5.97
7.39
6.14
9.69
10.03
11.67
13.24
21.27
12.71
13.94
15.87
- -
6.32
Tangible Book Value per Share
2
2
2
1
2
3
3
3
4
4
5
5
5
- -
2
Basic Weighted Avg Shares
4
5
5
6
6
14
19
21
26
38
38
26
33
36
7
Sales/Revenue/Turnover
27.01
27.99
29.1
32.04
31.02
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
1
1
1
1
2
2
2
2
2
- -
Depreciation Expense
1
1
1
1
1
2
3
4
6
11
10
1
8
9
1
Net Income, GAAP
37.81
35.61
35.74
34.85
35.03
44.46
21.41
26.08
24.01
21.18
25.16
25.6
25.31
25.6
30.45
Effective Tax Rate (%)
16.8
18.02
18.69
20.87
20.16
14.51
17.97
19.66
23.52
30.42
26.09
3.79
24.59
23.99
11.16
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
1
- -
16
7
7
34
50
29
28
- -
LT Debt
7
8
9
10
11
31
35
42
53
79
68
78
88
98
12
Total Equity
- -
11.35
10.73
12.51
11.31
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
19.98
18.58
21.85
20.34
18.6
19.61
20.1
23.84
30.87
14.79
1.1
12.55
19.86
12.79
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Mar'17
Jun'17
Sep'17
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
21
22
20

Working Capital

FRC

in mil. unless spec.
Mar'17
Jun'17
Sep'17
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
4
4
2
Accounts Receivable, Net
1
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
32.08%
14.79%
11.42%
Free Cash Flow
- -
36.11%
-6.56%
Net Income, GAAP
92.18%
143.09%
5.87%
Sales/Revenue/Turnover
25.83%
9.83%
8.52%
Total Cash Common Dividend
- -
- -
22,570.55%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
26
2024
- -
- -
- -
- -
33
2025
- -
- -
- -
- -
36

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.18
2024
- -
- -
- -
- -
1.52
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
Business
PBCO Financial Corporation (OTCPK: PBCO) operates as the holding company for People's Bank of Commerce, a full-service commercial bank that provides a range of banking products and services to businesses and individuals primarily in southern and central Oregon. The bank offers checking and savings accounts; mortgage servicing; home equity lines of credit; consumer loans and credit lines including home lot and construction, auto, recreational vehicle, boat, and personal loans; personal lines of credit; commercial loans and lines of credit; small business SBA and government loans; treasury management services; e-banking; debit and credit cards; QuickBooks direct connect; and factoring services through its Steelhead division. It maintains branches in Albany, Ashland, Central Point, Eugene, Grants Pass, Jacksonville, Klamath Falls, Lebanon, Medford, and Salem. Founded in 1998 and headquartered in Medford, Oregon, the company serves regional markets with a focus on community banking, small business lending, and nonprofit programs including fee-free accounts. Recent developments include the adoption of a $3 million stock repurchase program in February 2025, the first since its holding company formation in 2022; resumption of cash dividends at $0.229 per share in first-quarter 2025, the first since 2009; and strong financial performance with net income of $1.9 million in first-quarter 2025, alongside loan portfolio growth to $560.6 million by third-quarter 2025.

Company News

APIChatGPT
  • PBCO Financial Corporation Reports Q1 2026 Results

  • PBCO Financial Corporation Reports Fourth Quarter & Annual 2025 Results

  • PBCO Reports Chief Operating Officer Retirement

  • PBCO Financial Corporation Reports Third Quarter 2025 Results

  • PBCO Financial Corporation Reports Second Quarter 2025 Results

  • PBCO Financial Corporation Announces Adoption of Stock Repurchase Program

  • PBCO Announces Cash Dividend

  • PBCO Financial Corporation Reports Fourth Quarter and Annual 2024 Results

  • PBCO Financial Corporation Reports Q3 2024 Earnings

  • PBCO Reports Erb Accepts Role of Chief Operating Officer

  • PBCO Financial Corporation Reports Q1 2024 Earnings

  • PBCO Financial Corporation Reports Q4 and 2023 Earnings

  • PBCO Financial Corporation Announces Securities Portfolio Repositioning

  • PBCO Exits Residential Mortgage Lending

  • PBCO Financial Corporation Reports Q3 2023 Earnings

  • PBCO Financial Corporation Reports Q2 2023 Earnings

  • People's Bank Reports Results of Annual Shareholder's Meeting

  • People's Bank Reports First Quarter Earnings

  • People's Bank of Commerce Announces Effective Date for Merger and Election Statement Deadline Date