PBCO (PBCO Financial) Interest Expense: $-11.04 Mil (TTM As of Dec. 2025)

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PBCO PBCO Financial Corp PBCO
47 GF Score
Price $29.95
GF Value $15.57
Valuation Significantly Overvalued
! 6 Warning Signs
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What is PBCO Financial Interest Expense?

PBCO Financial PBCO -0.13% 47 Interest Expense is $-11.04 Mil as of Dec. 2025. 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.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. PBCO Financial's interest expense for the six months ended in Dec. 2025 was $ -11.04 Mil. Its interest expense for the trailing twelve months (TTM) ended in Dec. 2025 was $-11.04 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. PBCO Financial's Operating Income for the six months ended in Dec. 2025 was $ Mil. PBCO Financial's Interest Expense for the six months ended in Dec. 2025 was $ Mil. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

PBCO Financial Interest Expense Historical Data

* Premium members only.

The historical data trend for PBCO Financial's Interest Expense 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 Interest Expense Chart

PBCO Financial Annual Data
Trend Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.94 -1.73 -8.32 -11.40 -11.04

PBCO Financial Semi-Annual Data
Dec02 Dec03 Dec04 Dec05 Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.94 -1.73 -8.32 -11.40 -11.04
PBCO
47GF Score
PBCO Financial Corp PBCO
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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PBCO Financial Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Interest Expense for the trailing twelve months (TTM) ended in Dec. 2025 was $-11.04 Mil.

* 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.

Frequently Asked Questions Learn more about Interest Expense →
What does a Interest Expense of $-11.04 Mil mean?
PBCO Financial (PBCO) has a Interest Expense of $-11.04 Mil as of Dec. 2025. Interest Expense is the amount a company pays on its long-term debt. View historical data on PBCO Financial and its competitors.
Is PBCO Financial's Interest Expense too high?
PBCO Financial's current Interest Expense is $-11.04 Mil. 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 Interest Expense compare to FGBI and TYCB?
PBCO Financial's Interest Expense of $-11.04 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Expense for a Banks company?
A good Interest Expense depends on the Banks industry context. However, Interest Expense should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on PBCO Financial and its competitors. PBCO Financial's current Interest Expense is $-11.04 Mil. 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 Interest Expense is $-11.04 Mil. 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 Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For PBCO Financial (PBCO), the current Interest Expense is $-11.04 Mil 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:

  • Interest Expense: $-11.04 Mil
  • GF Value™: $15.57 vs. price of $29.95 (92.4% above fair value)
  • GF Score™: 47/100 with 6 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.
47GF Score

Get the complete analysis for PBCO

Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$29.95
Price
$15.57
GF Value