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PBCO FinancialPBCO -0.68%45 Net Margin % is 26.62% as of Dec. 2025, which is 22% above its 10-year median of 21.84. 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 1,520 Banks companies, PBCO Financial ranks worse than 61.12% on this metric.
Net margin is calculated as Net Income divided by its Revenue. PBCO Financial's Net Income for the
three
months ended in Dec. 2025 was $2.50 Mil. PBCO Financial's Revenue for the
three
months ended in Dec. 2025 was $9.39 Mil. Therefore, PBCO Financial's net margin for the quarter that ended in Dec. 2025 was 26.62%.
The historical rank and industry rank for PBCO Financial's Net Margin % or its related term are showing as below:
PBCO'
s Net Margin % Range Over the Past 10 Years
Min: 3.79 Med: 21.84 Max: 30.42
Current: 23.99
PBCO's Net Margin % is ranked worse than 61.12% of 1520
companies
in the Banks industry
Industry Median: 27.285
vs PBCO: 23.99
PBCO Financial (OTCPK:PBCO) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
PBCO Financial Net Margin % Related Terms
PBCO Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for PBCO Financial's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PBCO Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where PBCO Financial's Net 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 Net Margin % of 26.62% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on PBCO Financial and its competitors. This is 22% above median its historical median of 21.84. Over the past decade, PBCO Financial's Net Margin % has ranged from 3.79 to 30.42. According to the industry distribution chart, PBCO Financial ranks #929 out of 1520 companies in the Banks industry, placing it in the top 61.1%.
Is PBCO Financial's Net Margin % too high?
PBCO Financial's current Net Margin % of 26.62% is 22% above median its 10-year median of 21.84. Over the past 10 years, this metric has ranged from a low of 3.79 to a high of 30.42. The Banks industry median Net Margin % is 27.29. PBCO Financial's value of 26.62% is 2.4% below this industry median. Based on the distribution chart, PBCO Financial ranks #929 out of 1520 companies in the Banks industry, which is below 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 Net Margin % compare to CBBI and CMRB?
According to the Banks industry distribution chart, PBCO Financial ranks #929 out of 1520 companies for Net Margin %. This places PBCO Financial in the lower half of its industry. The industry median Net Margin % is 27.29. PBCO Financial's value of 26.62% is 2.4% below this benchmark. Historically, PBCO Financial's own Net Margin % has ranged from 3.79 to 30.42 over the past decade. While the company's 10-year median is 21.84 vs. the industry median of 27.29, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.29, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PBCO Financial's current Net Margin % of 26.62% is 2.4% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on PBCO Financial and its competitors. For the Banks industry, the median Net Margin % is 27.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PBCO Financial's current Net Margin % is 26.62%, which is 22% above median its own 10-year median of 21.84. 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 $29.24 — trading 88.5% above its estimated fair value. The current Net Margin % is 26.62%, which is 22% above median its 10-year median of 21.84 and 2.4% below the Banks industry median of 27.29. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For PBCO Financial (PBCO), the current Net Margin % is 26.62% 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 $29.24 is trading 88.5% above its estimated GF Value™ of $15.51.
GuruFocus considers PBCO Financial to be Significantly Overvalued.
Key valuation signals for PBCO:
Net Margin %: 26.62% (22% above median its 10-year median of 21.84)
GF Value™: $15.51 vs. price of $29.24 (88.5% above fair value)
Industry Position: 2.4% below the Banks median (#929 of 1520)
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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