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PBCO FinancialPBCO -0.82%45 Debt-to-Equity is 0.29 as of Dec. 2025, which is at its 10-year median of 0.29. 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 1,411 Banks companies, PBCO Financial ranks better than 69.6% on this metric.
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: 0.29 Max: 0.64
Current: 0.29
During the past 9 years, the highest Debt-to-Equity Ratio of PBCO Financial was 0.64. The lowest was 0.01. And the median was 0.29.
PBCO's Debt-to-Equity is ranked better than 69.6% of 1411
companies
in the Banks industry
Industry Median: 0.58
vs PBCO: 0.29
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
PBCO Financial Debt-to-Equity Historical Data
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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.
PBCO vs CBBI, CMRB, PONT: Debt-to-Equity Comparison
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 Debt-to-Equity vs 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.
* 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 (PBCO) has a Debt-to-Equity of 0.29 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PBCO Financial and its competitors. This is near median its historical median of 0.29. Over the past decade, PBCO Financial's Debt-to-Equity has ranged from 0.01 to 0.64. According to the industry distribution chart, PBCO Financial ranks #429 out of 1411 companies in the Banks industry, placing it in the top 30.4%.
Is PBCO Financial's Debt-to-Equity too high?
PBCO Financial's current Debt-to-Equity of 0.29 is near median its 10-year median of 0.29. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.64. The Banks industry median Debt-to-Equity is 0.58. PBCO Financial's value of 0.29 is 50% below this industry median. Based on the distribution chart, PBCO Financial ranks #429 out of 1411 companies in the Banks industry, which is above the industry midpoint. 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 Debt-to-Equity compare to CBBI and CMRB?
According to the Banks industry distribution chart, PBCO Financial ranks #429 out of 1411 companies for Debt-to-Equity. This puts PBCO Financial in the upper half of its industry. The industry median Debt-to-Equity is 0.58. PBCO Financial's value of 0.29 is 50% below this benchmark. Historically, PBCO Financial's own Debt-to-Equity has ranged from 0.01 to 0.64 over the past decade. While the company's 10-year median is 0.29 vs. the industry median of 0.58, PBCO Financial has consistently been below 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PBCO Financial's current Debt-to-Equity of 0.29 is 50% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PBCO Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PBCO Financial's current Debt-to-Equity is 0.29, which is near median its own 10-year median of 0.29. 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 $29.20 — trading 88.3% above its estimated fair value. The current Debt-to-Equity is 0.29, which is near median its 10-year median of 0.29 and 50% below the Banks industry median of 0.58. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For PBCO Financial (PBCO), the current Debt-to-Equity is 0.29 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 $29.20 is trading 88.3% above its estimated GF Value™ of $15.51.
GuruFocus considers PBCO Financial to be Significantly Overvalued.
Key valuation signals for PBCO:
Debt-to-Equity: 0.29 (near median its 10-year median of 0.29)
GF Value™: $15.51 vs. price of $29.20 (88.3% above fair value)
Industry Position: 50% below the Banks median (#429 of 1411)
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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