Financial Services
PBCO Financial Corporation(PBCO)
Live Price
Offline$23.25
+0.00% today
1Y Change
+60.46%
Window
Jun 25, 2025 โ Jun 17, 2026
- Market Cap
- $110.00M
- Revenue Growth
- +5.5%
- EPS Growth
- +7.2%
- Dividend Yield
- 1.3%
Coverage: 246 bars ยท Jun 25, 2025 โ Jun 17, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
PBCO Financial Corporation (PBCO) is a Financial Services stock with a market cap of $110.00M and listed on OTC. The stock last traded around $23.25 and up 60.5% across the available one-year price window (Jun 25, 2025 โ Jun 17, 2026). Baseline metrics include revenue growth of +5.5%, EPS growth of +7.2%, a dividend yield of 1.3%. What stands out right now is revenue +5.5%, EPS +7.2%, free cash flow -6.6% with operating margin 29.8% and ROIC 1.3%. The dividend is present but secondary, with a yield around 1.3%. Valuation is more restrained than many high-expectation growth names at P/E 11.0 and price/sales 2.4. Stock Foundry combines PBCO price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+5.5% vs +3.4% peer median
Operating Margin
Above sector median
+29.8% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Jan 22, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +5.5% and EPS at +7.2%, with operating margin around 29.8%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 1.3%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +0.2% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Jan 22, 2026 | โ | +0.0% | -0.8% | +0.0% |
2025 Oct 22, 2025 | โ | +0.0% | +1.5% | +2.6% |
2025 Jul 29, 2025 | โ | +0.0% | +0.1% | +5.6% |
Benchmark Edge
PBCO vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
PBCO
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
PBCO Max Drawdown
-4.35%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for PBCO and SPY.
Company Overview
PBCO Financial Corporation
Other OTC
PBCO Financial Corporation operates as a bank holding company for People's Bank of Commerce that provides commercial banking services for businesses and individuals in Southern Oregon. The company offers checking and savings accounts. It also provides home loans; home equity lines of credit; consumer loans and credit lines; home lot and construction, auto, recreational vehicle, boat, and personal loans; personal lines of credit; commercial loans and lines of credit; and small business - SBA/government loans. In addition, the company offers treasury management and ebanking services; PPP loan forgiveness services; and debit cards. It has branches in Albany, Medford, Ashland, Central Point, Grants Pass, Klamath Falls, Lebanon, and Salem. The company was founded in 1998 and is based in Medford, Oregon.
- Leadership
- Julia Beattie
- IPO Date
- Jul 20, 1999
- Employees
- 130
- Street Address
- 1528 Biddle Road
- Mailing
- Medford, OR, 97504
- Region
- Medford, OR, US
- Reporting Currency
- USD
- Investor Line
- 541 776 5350
- Last Updated
- May 3, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 11.0
- EV/EBITDA
- 10.2
- Price/Sales
- 2.4
- Price/Book
- 1.0
Growth
- Revenue
- +5.5%
- EPS
- +7.2%
- Free Cash Flow
- -6.6%
Profitability
- Gross Margin
- 80.3%
- Operating Margin
- 29.8%
- Net Margin
- 20.9%
- ROE
- 9.6%
- ROIC
- 1.3%
Balance Sheet
- Debt/Equity
- 0.28
- Current Ratio
- โ
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.