PBCO Financial (PBCO) Stock Price, News & Analysis

Company Overview

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.

Key Stats

• Today's Range: $22.25 to $22.63
• 50-Day Range: $18.54 to $22.63
• 52-Week Range: $14.25 to $22.63
• Volume: 1,681 shs
• Average Volume: 541 shs
• Market Capitalization: $114.72 million
• P/E Ratio: 12.71
• Dividend Yield: 1.10%
• Price Target: N/A
• Consensus Rating: N/A

PBCO Financial Stock Analysis - MarketRank™

PBCO Financial scored higher than 24% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for PBCO Financial.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of PBCO Financial is 12.71, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.76.

Price to Earnings Ratio vs. Sector

The P/E ratio of PBCO Financial is 12.71, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.17.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.00% of the float of PBCO Financial has been sold short.

Short Interest Ratio / Days to Cover

PBCO Financial has a short interest ratio ("days to cover") of 0.06, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in PBCO Financial has recently increased by 100.00%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

PBCO Financial pays a meaningful dividend of 1.10%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

PBCO Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of PBCO Financial is 14.04%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

News Sentiment

PBCO Financial has a news sentiment score of -1.00. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.81 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for PBCO Financial this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, PBCO Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

44.25% of the stock of PBCO Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

1.84% of the stock of PBCO Financial is held by institutions.

Company Calendar

• Last Earnings: 4/22/2026
• Today: 6/14/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: FIN - MISC SVCS
• Sub-Industry: N/A
• Current Symbol: OTCMKTS:PBCO
• Previous Symbol: NASDAQ:PBCO
• CIK: N/A
• Web: www.peoplesbank.bank
• Phone: (541) 776-5350
• Fax: 541-774-7666
• Employees: 132
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $1.78
• Trailing P/E Ratio: 12.71
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $8.56 million
• Net Margins: 19.55%
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $46.74 million
• Price / Sales: 2.45
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 5,070,000
• Free Float: 2,828,000
• Market Cap: $114.72 million
• Optionable: Not Optionable
• Beta: 0.32