PBCO

PBCO Financial Corporation

Financial Services · $139M market cap

Is PBCO undervalued?

Share price

$27.34

as of Oct 21, 2026

Fair value

$24.06

Sticker Price

Payback Price

$9.62

buy price

Overpriced

PBCO is Overpriced: at $27.34 it trades 14% above its fair value of $24.06. Its buy price (Payback Price) is $9.62, 65% below today's price. Business quality is mixed: 2 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

2 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth14.4% a year✓
Equity per share growth5.8% a year✗
Sales growth11.6% a year✓
Free cash flow growth8.0% a year✗
Return on invested capital2.8%✗

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Questions about PBCO

What is PBCO's fair value?

$24.06 as of Oct 21, 2026, worked out with the Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

At what price would PBCO be a buy?

At or below its buy price of $9.62, a 60% margin of safety below its fair value.

Is PBCO undervalued right now?

PBCO is Overpriced: at $27.34 it trades 14% above its fair value and 184% above its buy price.

How can I check PBCO's value myself?

Use the free Sticker Price calculator, already filled with PBCO's numbers. Change the growth, P/E or required return and see what you'd pay. Open the calculator →

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About PBCO Financial Corporation

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 individual clients throughout Southern Oregon. Its core offerings include a variety of deposit accounts, such as checking and savings options. The bank's lending portfolio is extensive, featuring residential mortgages, home equity credit lines, and diverse consumer loans for vehicles (auto, RV, boat), personal financing, and property (home lot and construction). It also extends personal and commercial lines of credit, alongside specialized small business administration (SBA) and government-backed business loans. Furthermore, PBCO Financial Corporation offers convenient treasury management and ebanking services, support for PPP loan forgiveness processes, and debit cards. The company maintains a network of branches strategically located in Southern Oregon communities, including Albany, Ashland, Central Point, Grants Pass, Klamath Falls, Lebanon, Medford, and Salem.

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Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of Oct 21, 2026. How the Payback Price works