PBCO (PBCO Financial) Debt-to-Equity : 0.33 (As of Dec. 2024)

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What is PBCO Financial Debt-to-Equity?

PBCO Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2024 was $0.00 Mil. PBCO Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2024 was $28.59 Mil. PBCO Financial's Total Stockholders Equity for the quarter that ended in Dec. 2024 was $87.62 Mil. PBCO Financial's debt to equity for the quarter that ended in Dec. 2024 was 0.33.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for PBCO Financial's Debt-to-Equity or its related term are showing as below:

PBCO' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.23 Max: 0.64
Current: 0.33

During the past 13 years, the highest Debt-to-Equity Ratio of PBCO Financial was 0.64. The lowest was 0.01. And the median was 0.23.

PBCO's Debt-to-Equity is ranked worse than
50.93% of 1449 companies
in the Banks industry
Industry Median: 0.63 vs PBCO: 0.33

PBCO Financial Debt-to-Equity Historical Data

The historical data trend for PBCO Financial's Debt-to-Equity 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.

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PBCO Financial Debt-to-Equity Chart

PBCO Financial Annual Data

Trend

Dec05

Dec06

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Debt-to-Equity

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0.13

0.09

0.50

0.64

0.33

PBCO Financial Semi-Annual Data
	Dec02	Dec03	Dec04	Dec05	Dec06	Dec17	Dec18	Dec19	Dec20	Dec21	Dec22	Dec23	Dec24
Debt-to-Equity	Get a 7-Day Free Trial								0.13	0.09	0.50	0.64	0.33

Competitive Comparison of PBCO Financial's Debt-to-Equity

For the Banks - Regional subindustry, PBCO Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, PBCO Financial's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where PBCO Financial's Debt-to-Equity falls into.

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PBCO Financial Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

PBCO Financial's Debt to Equity Ratio for the fiscal year that ended in Dec. 2024 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	28.592)	/	87.62
	=	0.33

PBCO Financial's Debt to Equity Ratio for the quarter that ended in Dec. 2024 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	28.592)	/	87.62
	=	0.33

PBCO Financial (OTCPK:PBCO) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

PBCO Financial Debt-to-Equity Related Terms

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PBCO Financial Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » PBCO Financial Corp (OTCPK:PBCO) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

1528 Biddle Raod, Medford, OR, USA, 97504

Website

https://www.peoplesbank.bank

PBCO Financial Corp is a local community bank, focusing on delivering high quality services. It offers various deposit products, including checking, savings, and money market accounts, as well as certificates of deposit.