PBCO (PBCO Financial) Margin of Safety % (DCF FCF Based): N/A (As of Aug. 01, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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 Margin of Safety % (DCF FCF Based)?

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

PBCO Financial's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF FCF Based) is not calculated.

PBCO vs FGBI, TYCB, FSRL: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, PBCO Financial's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, PBCO Financial's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where PBCO Financial's Margin of Safety % (DCF FCF Based) falls into.


PBCO
47GF Score
PBCO Financial Corp PBCO
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Margin of Safety % (DCF FCF Based): N/A
  • 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

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$29.95
Price
$15.57
GF Value