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PBCO Financial Corporation (PBCO) Fair Value & Analysis

Financial Services · US · Market cap $119M

Price$23.25
Fair Value$21.72
Upside-6.6%
Quality95/100
Evidence: High Range $16.29 – $27.15

Fair value as of: Jun 26, 2026

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Analysis

PBCO Financial Corporation (PBCO) currently trades at $23.25, while our model-based Fair Value estimate is $21.72 — implying the stock looks roughly 6.6% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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 Oregon. It operates through Core Banking and Factoring Division segments. The company offers checking and savings accounts; and mortgage servicing. It also provides home equity lines of credit; consumer loans and credit lines; auto, recreational vehicle, boat, and personal loans; personal lines of credit; commercial loans and lines of credit; and small business administration loans. In addition, the company offers treasury management and e-banking services; autobooks; ODP business solutions; and debit and credit cards. It has branches in Albany, Ashland, Central Point, Eugene, Grants Pass, Jacksonville, Klamath Falls, Lebanon, Medford, and Salem, Oregon, and surrounding areas. PBCO Financial Corporation was founded in 1998 and is headquartered in Medford, Oregon.

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Frequently asked questions

Is PBCO Financial Corporation (PBCO) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $21.72 versus a price of $23.25 — about −7% (overvalued). Model-based estimate, not financial advice.
What is the fair value of PBCO?
Our 21-model fair value for PBCO Financial Corporation is $21.72 (as of Jun 26, 2026), built from audited fundamentals. The current price is $23.25.
What is the quality score of PBCO?
PBCO Financial Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.