PBCO (PBCO Financial) Cyclically Adjusted PS Ratio: (As of Sep. 20, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

PBCO PBCO Financial Corp PBCO
45 GF Score
Price $29.19
GF Value $15.51
Valuation Significantly Overvalued
! 5 Warning Signs
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What is PBCO Financial Cyclically Adjusted PS Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


PBCO Financial  (OTCPK:PBCO) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue 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 PS Ratio should give similar results to regular PS Ratio.


PBCO Financial Cyclically Adjusted PS Ratio Related Terms


PBCO Financial Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for PBCO Financial's Cyclically Adjusted PS 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 Financial Cyclically Adjusted PS Ratio Chart

PBCO Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.13 2.23 2.15 2.15 2.56

PBCO Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.09 2.38 2.57 2.56 3.18

PBCO vs CBBI, CMRB, PONT: Cyclically Adjusted PS Ratio Comparison

For the Banks - Regional subindustry, PBCO Financial's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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 PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, PBCO Financial's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where PBCO Financial's Cyclically Adjusted PS Ratio falls into.


PBCO
45GF Score
PBCO Financial Corp PBCO
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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PBCO Financial Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS 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 PS Ratio.

PBCO Financial's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, PBCO Financial's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=1.896/333.9520*333.9520
=1.896

Current CPI (Jun. 2026) = 333.9520.

PBCO Financial Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 1.059 241.428 1.465
201612 1.017 241.432 1.407
201703 1.057 243.801 1.448
201706 1.068 244.955 1.456
201709 1.173 246.819 1.587
201712 1.087 246.524 1.472
201803 1.287 249.554 1.722
201806 1.423 251.989 1.886
201809 1.458 252.439 1.929
201812 1.424 251.233 1.893
201903 1.425 254.202 1.872
201906 1.483 256.143 1.933
201909 1.524 256.759 1.982
201912 1.535 256.974 1.995
202003 1.496 258.115 1.936
202006 1.525 257.797 1.975
202009 1.821 260.280 2.336
202012 1.925 260.474 2.468
202103 2.429 264.877 3.062
202106 1.799 271.696 2.211
202109 1.855 274.310 2.258
202112 1.782 278.802 2.134
202203 1.767 287.504 2.052
202206 1.761 296.311 1.985
202209 1.800 296.808 2.025
202212 1.750 296.797 1.969
202303 1.574 301.836 1.741
202306 1.548 305.109 1.694
202309 1.476 307.789 1.601
202312 0.215 306.746 0.234
202403 1.469 312.332 1.571
202406 1.529 314.175 1.625
202409 1.570 315.301 1.663
202412 1.621 315.605 1.715
202503 1.585 319.799 1.655
202506 1.685 322.561 1.745
202509 1.679 324.800 1.726
202512 1.796 324.054 1.851
202603 1.838 330.213 1.859
202606 1.896 333.952 1.896

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

Is PBCO Financial (PBCO) Overvalued in 2026?

Based on GuruFocus' analysis, PBCO Financial stock appears to be overvalued. The current stock price of $29.19 is trading 88.2% above its estimated GF Value™ of $15.51. GuruFocus considers PBCO Financial to be Significantly Overvalued.

Key valuation signals for PBCO:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: $15.51 vs. price of $29.19 (88.2% above fair value)
  • GF Score™: 45/100 with 5 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.
45GF Score

Get the complete analysis for PBCO

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$29.19
Price
$15.51
GF Value