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Pbco Financial(OTC) PBCO

Market Cap$148.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1998)+666%
5 Year+101%
1 Year+92%
1 Month-2%
$29.19
+0.00%
+0.00Today
Pbco Financial last closing stock price
MetricPriceDate
Last closeUSD 29.192026-09-04
Pbco Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.9%USD 28.932026-08-27
1 month-1.91%USD 29.762026-08-05
3 month+32.88%USD 21.972026-06-05
Year to date+65.67%USD 17.622025-12-31
1 year+92.48%USD 15.172025-08-27
3 year+151.77%USD 11.592023-09-01
5 year+101.41%USD 14.492021-08-31
Since inception+665.87%USD 3.811998-06-19

Pbco Financial Financials at a Glance

Market Cap

$148.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$48.00M

Net Income (TTM)

$9.45M

EPS (TTM)

$1.81

P/E Ratio

16.09

Dividend

$0.39

Beta (Volatility)

0.04 (Low)

Price

$29.19

Volume

1,103

Open

$29.15

Previous Close

$29.19

Daily Range

$29.15 - $29.19

52-Week Range

$15.50 - $31.67

Estimated Earnings Date

Jan 24, 2026

PBCO News

No articles available.

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About Pbco Financial

PBCO Financial Corporation, established in 1998 in Medford, Oregon, serves as the parent company for People's Bank of Commerce. The company specializes in providing a wide range of commercial banking solutions for both businesses and individuals in Southern Oregon.

Products and Services
  • Comprehensive deposit accounts including checking and savings options
  • Extensive lending portfolio featuring residential mortgages and consumer loans
  • Convenient treasury management and e-banking services
Growth Outlook
  • Revenue of $12.2 million in Q2 2026, showing consistent growth
  • Net income of $2.2 million in Q2 2026, reflecting strong profitability
  • Operating income margin of 24.6% in Q2 2026, indicating operational efficiency
Financial Highlights
  • Trailing twelve months (TTM) net profit margin of 19.7%, showcasing robust profitability
  • TTM return on equity of 9.6%, demonstrating effective use of shareholder funds
  • Quarterly earnings per share (EPS) of $0.44 in Q2 2026, indicating solid earnings growth
PBCO Financial Corporation operates within the regional banking sector, focusing on delivering tailored financial solutions to meet the diverse needs of its clientele. The company's strategic positioning in Southern Oregon allows it to capitalize on local market opportunities while maintaining a strong community presence. Recent financial performance highlights a positive trajectory, with significant revenue and net income growth in the latest quarter. The company's commitment to operational efficiency is evident in its impressive operating income margin, which supports its ability to generate sustainable profits. Overall, PBCO Financial Corporation presents a compelling opportunity for investors interested in the regional banking sector.
AI Generated • Aug 18, 2026

Industry

Banks

Sector

Financials

Employees

138

CEO

Julia Beattie, MBA

Website

www.peoplesbank.bank

Headquarters

Medford, OR 97504, US

PBCO Financials

Key Financial Metrics (TTM)

Gross Margin

75.58%

Operating Margin

26.50%

Net Income Margin

19.69%

Return on Equity

9.64%

Return on Capital

9.17%

Return on Assets

1.22%

Earnings Yield

6.22%

Dividend Yield

1.34%

Payout Ratio

0.00%

Stock Overview

Market Cap

$148.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

5.07M

Volume

1.10K

Avg. Volume

2.36K

Financials (TTM)

Gross Profit

$36.28M

Operating Income

$12.72M

EBITDA

$12.72M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$7.71M

Total Debt

$51.43M

Pbco Financial Performance Analysis

Pbco Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 39,355,793-2.2%
20232023-12-31USD 34,002,420-13.6%
20242024-12-31USD 44,149,01129.8%
20252025-12-31USD 46,589,0255.5%
Pbco Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3035.2%
Q42025-12-313.0%
Q12026-03-31-1.0%
Q22026-06-301.9%
Pbco Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.92-17.2%
20232023-12-31USD 0.18-90.5%
20242024-12-31USD 1.52728.3%
20252025-12-31USD 1.626.3%
Pbco Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30N/A
Q42025-12-3123.1%
Q12026-03-318.3%
Q22026-06-30-17.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$12.20M

+40.5%

Gross Profit

$9.23M

+6.2%

Gross Margin

75.63%

N/A

Market Cap

$148.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.07M

N/A

Employees

138

N/A

Net Income

$2.22M

+7.9%

EBITDA

$3.00M

+8.5%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$7.71M

+11.5%

Total Debt

$51.43M

+81.2%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$51.43M

+81.2%

Short Term Debt

$0.00

N/A

Return on Assets

1.22%

N/A

Return on Invested Capital

1.64%

N/A

Free Cash Flow

$0.00

N/A

Operating Cash Flow

$0.00

N/A

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Questions About PBCO

What is the current price of Pbco Financial?

Pbco Financial is trading at $29.19 per share.

What is the 52-week range for Pbco Financial?

Over the past 52 weeks, Pbco Financial has traded between $15.50 and $31.67.

How much debt does Pbco Financial have?

As of the most recent reporting period, Pbco Financial reported total debt of $51.43M.

How much cash does Pbco Financial have on hand?

Pbco Financial does not have cash on hand data available.

What is Pbco Financial’s dividend yield?

Pbco Financial currently has a dividend yield of 1.34%.

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