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Accounts Receivable are created when a customer has received a product but has not yet paid for that product. PBCO Financial's accounts receivables for the quarter that ended in Dec. 2025 was $0.00 Mil.
Accounts receivable can be measured by Days Sales Outstanding.
PBCO Financial's Days Sales Outstanding for the quarter that ended in Dec. 2025 was 0.00.
In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. PBCO Financial's Net-Net Working Capital per share for the quarter that ended in Dec. 2025 was $-134.96.
1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.
PBCO Financial's Days Sales Outstanding for the quarter that ended in Dec. 2025 is calculated as:
2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), PBCO Financial's accounts receivable are only considered to be worth 75% of book value:
PBCO Financial's Net-Net Working Capital Per Share for the quarter that ended in Dec. 2025 is calculated as:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.
If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.
Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.
PBCO Financial Accounts Receivable Related Terms
PBCO Financial Accounts Receivable Historical Data
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The historical data trend for PBCO Financial's Accounts Receivable can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Accounts Receivable of $0.00 Mil mean?
PBCO Financial (PBCO) has a Accounts Receivable of $0.00 Mil as of Dec. 2025. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on PBCO Financial and its competitors.
Is PBCO Financial's Accounts Receivable too high?
PBCO Financial's current Accounts Receivable is $0.00 Mil. Overall, PBCO Financial has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PBCO Financial's Accounts Receivable compare to CBBI and CMRB?
PBCO Financial's Accounts Receivable of $0.00 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Accounts Receivable for a Banks company?
A good Accounts Receivable depends on the Banks industry context. However, Accounts Receivable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Accounts Receivable mean?
A high Accounts Receivable can signal that a stock is expensive relative to its fundamentals. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on PBCO Financial and its competitors. PBCO Financial's current Accounts Receivable is $0.00 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PBCO Financial stock overvalued right now?
Based on GuruFocus' analysis, PBCO Financial (PBCO) is currently considered Significantly Overvalued. The stock's GF Value™ is $15.51, compared to a current price of $29.24 — trading 88.5% above its estimated fair value. The current Accounts Receivable is $0.00 Mil. PBCO Financial's overall GF Score™ is 45/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Accounts Receivable calculated?
Accounts Receivable is calculated from a company's financial statements. For PBCO Financial (PBCO), the current Accounts Receivable is $0.00 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PBCO Financial (PBCO) Overvalued in 2026?
Based on GuruFocus' analysis, PBCO Financial stock appears to be overvalued.
The current stock price of $29.24 is trading 88.5% above its estimated GF Value™ of $15.51.
GuruFocus considers PBCO Financial to be Significantly Overvalued.
Key valuation signals for PBCO:
Accounts Receivable: $0.00 Mil
GF Value™: $15.51 vs. price of $29.24 (88.5% above fair value)
No single metric tells the full story. See the PBCO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PBCO Financial Corp is a bank holding company. Through its banking subsidiary, it mainly provides banking services in the state of Oregon. The company's reportable segments are Core Banking and its factoring division, Steelhead Finance. The Core Banking segment includes all lines of business, except factoring, including commercial and retail banking, as well as the operations, technology, and administrative functions of the Bank and Holding company. The factoring division segment includes the revenue earned from factored accounts receivable and other fees charged to factoring clients. A majority of its revenue is generated from the Core Banking segment.
45GF Score
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