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PBCO FinancialPBCO -0.13%47 OCF Yield % is 7.51 as of Aug. 01, 2026, which is 49% below its 10-year median of 14.87. 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 1,498 Banks companies, PBCO Financial ranks worse than 57.14% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
PBCO Financial OCF Yield % Related Terms
PBCO Financial OCF Yield % Historical Data
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The historical data trend for PBCO Financial's OCF Yield % 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 OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, PBCO Financial's OCF Yield % distribution charts can be found below:
* The bar in red indicates where PBCO Financial's OCF Yield % 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 OCF Yield % of 7.51 as of Aug. 01, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on PBCO Financial and its competitors. This is 49% below median its historical median of 14.87. Over the past decade, PBCO Financial's OCF Yield % has ranged from 2.22 to 33.22. According to the industry distribution chart, PBCO Financial ranks #856 out of 1498 companies in the Banks industry, placing it in the top 57.1%.
Is PBCO Financial's OCF Yield % too high?
PBCO Financial's current OCF Yield % of 7.51 is 49% below median its 10-year median of 14.87. Over the past 10 years, this metric has ranged from a low of 2.22 to a high of 33.22. The Banks industry median OCF Yield % is 8.98. PBCO Financial's value of 7.51 is 16.4% below this industry median. Based on the distribution chart, PBCO Financial ranks #856 out of 1498 companies in the Banks industry, which is below 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 OCF Yield % compare to FGBI and TYCB?
According to the Banks industry distribution chart, PBCO Financial ranks #856 out of 1498 companies for OCF Yield %. This places PBCO Financial in the lower half of its industry. The industry median OCF Yield % is 8.98. PBCO Financial's value of 7.51 is 16.4% below this benchmark. Historically, PBCO Financial's own OCF Yield % has ranged from 2.22 to 33.22 over the past decade. While the company's 10-year median is 14.87 vs. the industry median of 8.98, 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 8.98, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PBCO Financial's current OCF Yield % of 7.51 is 16.4% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on PBCO Financial and its competitors. For the Banks industry, the median OCF Yield % is 8.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PBCO Financial's current OCF Yield % is 7.51, which is 49% below median its own 10-year median of 14.87. 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 OCF Yield % is 7.51, which is 49% below median its 10-year median of 14.87 and 16.4% below the Banks industry median of 8.98. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For PBCO Financial (PBCO), the current OCF Yield % is 7.51 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:
OCF Yield %: 7.51 (49% below median its 10-year median of 14.87)
GF Value™: $15.57 vs. price of $29.95 (92.4% above fair value)
Industry Position: 16.4% below the Banks median (#856 of 1498)
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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