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PBCO FinancialPBCO -0.13%47 Piotroski F-Score is 8 as of Aug. 01, 2026, which is 33% above its 10-year median of 6.00. 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 1,499 Banks companies, PBCO Financial ranks better than 93.4% on this metric.
Good Sign:
Piotroski F-Score is 8, indicates a very healthy situation.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
PBCO Financial has an F-score of 8. It is a good or high score, which usually indicates a very healthy situation.
The historical rank and industry rank for PBCO Financial's Piotroski F-Score or its related term are showing as below:
PBCO'
s Piotroski F-Score Range Over the Past 10 Years
Min: 3 Med: 6 Max: 9
Current: 8
During the past 13 years, the highest Piotroski F-Score of PBCO Financial was 9. The lowest was 3. And the median was 6.
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
PBCO Financial Piotroski F-Score Related Terms
PBCO Financial Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for PBCO Financial's Piotroski F-Score 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 FGBI, TYCB, FSRL: Piotroski F-Score Comparison
For the Banks - Regional subindustry, PBCO Financial's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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 Piotroski F-Score vs Banks Industry
For the Banks industry and Financial Services sector, PBCO Financial's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where PBCO Financial's Piotroski F-Score 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.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
PBCO Financial's current Net Income (TTM) was 8.56.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
PBCO Financial's return on assets of this year was 0.01071978. PBCO Financial's return on assets of last year was 0.01059667.
==> This year is higher. ==> Score 1.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
PBCO Financial's gearing of this year was 0.035128. PBCO Financial's gearing of last year was 0.03660362.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.
PBCO Financial's current ratio of this year was 1.14116378. PBCO Financial's current ratio of last year was 1.12318689.
==> This year's current ratio is higher. ==> Score 1.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
PBCO Financial's number of shares in issue this year was 5.294. PBCO Financial's number of shares in issue last year was 5.316.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.
PBCO Financial's net margin of this year was 0.23988796. PBCO Financial's net margin of last year was 0.24588121.
==> Last year's net margin is higher ==> Score 0.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
PBCO Financial's asset turnover of this year was 0.04468661. PBCO Financial's asset turnover of last year was 0.04309671.
==> This year's asset turnover is higher. ==> Score 1.
Evaluation
Piotroski F-Score
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Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
PBCO Financial has an F-score of 8. It is a good or high score, which usually indicates a very healthy situation.
PBCO Financial (PBCO) has a Piotroski F-Score of 8 as of Aug. 01, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on PBCO Financial and its competitors. This is 33% above median its historical median of 6.00. Over the past decade, PBCO Financial's Piotroski F-Score has ranged from 3.00 to 9.00. According to the industry distribution chart, PBCO Financial ranks #99 out of 1499 companies in the Banks industry, placing it in the top 6.6%.
Is PBCO Financial's Piotroski F-Score too high?
PBCO Financial's current Piotroski F-Score of 8 is 33% above median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 9.00. The Banks industry median Piotroski F-Score is 6.00. PBCO Financial's value of 8 is 33.3% above this industry median. Based on the distribution chart, PBCO Financial ranks #99 out of 1499 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Piotroski F-Score compare to FGBI and TYCB?
According to the Banks industry distribution chart, PBCO Financial ranks #99 out of 1499 companies for Piotroski F-Score. This places PBCO Financial in the top 7% of its industry — outperforming the majority of peers. The industry median Piotroski F-Score is 6.00. PBCO Financial's value of 8 is 33.3% above this benchmark. Historically, PBCO Financial's own Piotroski F-Score has ranged from 3.00 to 9.00 over the past decade. While the company's 10-year median is 6.00 vs. the industry median of 6.00, 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 Piotroski F-Score for a Banks company?
The median Piotroski F-Score among Banks companies is 6.00, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PBCO Financial's current Piotroski F-Score of 8 is 33.3% 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on PBCO Financial and its competitors. For the Banks industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PBCO Financial's current Piotroski F-Score is 8, which is 33% above median its own 10-year median of 6.00. 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 Piotroski F-Score is 8, which is 33% above median its 10-year median of 6.00 and 33.3% above the Banks industry median of 6.00. 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 Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For PBCO Financial (PBCO), the current Piotroski F-Score is 8 as of Aug. 01, 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 $29.95 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:
Piotroski F-Score: 8 (33% above median its 10-year median of 6.00)
GF Value™: $15.57 vs. price of $29.95 (92.4% above fair value)
Industry Position: 33.3% above the Banks median (#99 of 1499)
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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