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PBCO FinancialPBCO -0.68%45 Cyclically Adjusted PB Ratio is 1.92 as of Sep. 16, 2026, which is 68% above its 10-year median of 1.14. GuruFocus rates PBCO with a GF Score™ of 45/100 and a GF Value™ of $15.51 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,273 Banks companies, PBCO Financial ranks worse than 78.55% on this metric.
PBCO Financial (OTCPK:PBCO) Cyclically Adjusted PB Ratio Explanation
Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.
PBCO Financial Cyclically Adjusted PB Ratio Related Terms
PBCO Financial Cyclically Adjusted PB Ratio Historical Data
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The historical data trend for PBCO Financial's Cyclically Adjusted PB Ratio 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 vs CBBI, CMRB, PONT: Cyclically Adjusted PB Ratio Comparison
For the Banks - Regional subindustry, PBCO Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PBCO Financial Cyclically Adjusted PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, PBCO Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where PBCO Financial's Cyclically Adjusted PB Ratio falls into.
PBCO Financial Cyclically Adjusted PB Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.
PBCO Financial does not have a history long enough to calculate Cyclically Adjusted Book per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PB Ratio for this company.
What does a Cyclically Adjusted PB Ratio of 1.92 mean?
PBCO Financial (PBCO) has a Cyclically Adjusted PB Ratio of 1.92 as of Sep. 16, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on PBCO Financial and its competitors. This is 68% above median its historical median of 1.14. Over the past decade, PBCO Financial's Cyclically Adjusted PB Ratio has ranged from 0.90 to 2.03. According to the industry distribution chart, PBCO Financial ranks #1000 out of 1273 companies in the Banks industry, placing it in the top 78.6%.
Is PBCO Financial's Cyclically Adjusted PB Ratio too high?
PBCO Financial's current Cyclically Adjusted PB Ratio of 1.92 is 68% above median its 10-year median of 1.14. Over the past 10 years, this metric has ranged from a low of 0.90 to a high of 2.03. The Banks industry median Cyclically Adjusted PB Ratio is 1.29. PBCO Financial's value of 1.92 is 48.8% above this industry median. Based on the distribution chart, PBCO Financial ranks #1000 out of 1273 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Cyclically Adjusted PB Ratio compare to CBBI and CMRB?
According to the Banks industry distribution chart, PBCO Financial ranks #1000 out of 1273 companies for Cyclically Adjusted PB Ratio. This places PBCO Financial in the lower half of its industry. The industry median Cyclically Adjusted PB Ratio is 1.29. PBCO Financial's value of 1.92 is 48.8% above this benchmark. Historically, PBCO Financial's own Cyclically Adjusted PB Ratio has ranged from 0.90 to 2.03 over the past decade. While the company's 10-year median is 1.14 vs. the industry median of 1.29, PBCO Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PB Ratio for a Banks company?
The median Cyclically Adjusted PB Ratio among Banks companies is 1.29, based on 1,273 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PBCO Financial's current Cyclically Adjusted PB Ratio of 1.92 is 48.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on PBCO Financial and its competitors. For the Banks industry, the median Cyclically Adjusted PB Ratio is 1.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PBCO Financial's current Cyclically Adjusted PB Ratio is 1.92, which is 68% above median its own 10-year median of 1.14. 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 Cyclically Adjusted PB Ratio is 1.92, which is 68% above median its 10-year median of 1.14 and 48.8% above the Banks industry median of 1.29. 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 Cyclically Adjusted PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For PBCO Financial (PBCO), the current Cyclically Adjusted PB Ratio is 1.92 as of Sep. 16, 2026. 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:
Cyclically Adjusted PB Ratio: 1.92 (68% above median its 10-year median of 1.14)
GF Value™: $15.51 vs. price of $29.24 (88.5% above fair value)
Industry Position: 48.8% above the Banks median (#1000 of 1273)
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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