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PBCO FinancialPBCO -0.13%47 FCF Margin % is 29.57% as of Dec. 2025, which is 19% above its 10-year median of 24.85. 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. Among 1,502 Banks companies, PBCO Financial ranks better than 56.13% on this metric.
The historical data trend for PBCO Financial's FCF Margin % 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.
For the Banks - Regional subindustry, PBCO Financial's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PBCO Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where PBCO Financial's FCF Margin % 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 FCF Margin % of 29.57% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PBCO Financial and its competitors. This is 19% above median its historical median of 24.85. According to the industry distribution chart, PBCO Financial ranks #659 out of 1502 companies in the Banks industry, placing it in the top 43.9%.
Is PBCO Financial's FCF Margin % too high?
PBCO Financial's current FCF Margin % of 29.57% is 19% above median its 10-year median of 24.85. The Banks industry median FCF Margin % is 25.85. PBCO Financial's value of 29.57% is 14.4% above this industry median. Based on the distribution chart, PBCO Financial ranks #659 out of 1502 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to FGBI and TYCB?
According to the Banks industry distribution chart, PBCO Financial ranks #659 out of 1502 companies for FCF Margin %. This puts PBCO Financial in the upper half of its industry. The industry median FCF Margin % is 25.85. PBCO Financial's value of 29.57% is 14.4% above this benchmark. While the company's 10-year median is 24.85 vs. the industry median of 25.85, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 25.85, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PBCO Financial's current FCF Margin % of 29.57% is 14.4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PBCO Financial and its competitors. For the Banks industry, the median FCF Margin % is 25.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PBCO Financial's current FCF Margin % is 29.57%, which is 19% above median its own 10-year median of 24.85. 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 FCF Margin % is 29.57%, which is 19% above median its 10-year median of 24.85 and 14.4% above the Banks industry median of 25.85. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For PBCO Financial (PBCO), the current FCF Margin % is 29.57% 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:
FCF Margin %: 29.57% (19% above median its 10-year median of 24.85)
GF Value™: $15.57 vs. price of $29.95 (92.4% above fair value)
Industry Position: 14.4% above the Banks median (#659 of 1502)
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.
47GF Score
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