PBCO (PBCO Financial) Net Loan: $561.26 Mil (As of Dec. 2025)

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PBCO PBCO Financial Corp PBCO
47 GF Score
Price $29.95
GF Value $15.57
Valuation Significantly Overvalued
! 6 Warning Signs
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What is PBCO Financial Net Loan?

PBCO Financial PBCO -0.13% 47 Net Loan is $561.26 Mil as of Dec. 2025. GuruFocus rates PBCO with a GF Score™ of 47/100 and a GF Value™ of $15.57 (Significantly Overvalued). The stock has 6 warning signs investors should review.

PBCO Financial's quarterly net loan increased from Dec. 2023 ($510.83 Mil) to Dec. 2024 ($540.97 Mil) and increased from Dec. 2024 ($540.97 Mil) to Dec. 2025 ($561.26 Mil).

PBCO Financial's annual net loan increased from Dec. 2023 ($510.83 Mil) to Dec. 2024 ($540.97 Mil) and increased from Dec. 2024 ($540.97 Mil) to Dec. 2025 ($561.26 Mil).

PBCO Financial Net Loan Historical Data

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The historical data trend for PBCO Financial's Net Loan 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.

PBCO Financial Net Loan Chart

PBCO Financial Annual Data
Trend Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 454.26 470.46 510.83 540.97 561.26

PBCO Financial Semi-Annual Data
Dec02 Dec03 Dec04 Dec05 Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 454.26 470.46 510.83 540.97 561.26
PBCO
47GF Score
PBCO Financial Corp PBCO
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PBCO Financial Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $561.26 Mil mean?
PBCO Financial (PBCO) has a Net Loan of $561.26 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on PBCO Financial and its competitors.
Is PBCO Financial's Net Loan too high?
PBCO Financial's current Net Loan is $561.26 Mil. Overall, PBCO Financial has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PBCO Financial's Net Loan compare to FGBI and TYCB?
PBCO Financial's Net Loan of $561.26 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 Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan 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 Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on PBCO Financial and its competitors. PBCO Financial's current Net Loan is $561.26 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 $15.57, compared to a current price of $29.95 — trading 92.4% above its estimated fair value. The current Net Loan is $561.26 Mil. PBCO Financial's overall GF Score™ is 47/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For PBCO Financial (PBCO), the current Net Loan is $561.26 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 $29.95 is trading 92.4% above its estimated GF Value™ of $15.57. GuruFocus considers PBCO Financial to be Significantly Overvalued.

Key valuation signals for PBCO:

  • Net Loan: $561.26 Mil
  • GF Value™: $15.57 vs. price of $29.95 (92.4% above fair value)
  • GF Score™: 47/100 with 6 warning signs

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 Business Description

Address 1528 Biddle Raod, Medford, OR, USA, 97504
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.
47GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$29.95
Price
$15.57
GF Value