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PBCO FinancialPBCO -0.13%47 Dividend Payout Ratio is 0.14 as of Dec. 2025, which is 65% below its 10-year median of 0.40. 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 1,173 Banks companies, PBCO Financial ranks better than 88.83% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. PBCO Financial's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.14.
The historical rank and industry rank for PBCO Financial's Dividend Payout Ratio or its related term are showing as below:
PBCO'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.14 Med: 0.4 Max: 0.67
Current: 0.14
During the past 13 years, the highest Dividend Payout Ratio of PBCO Financial was 0.67. The lowest was 0.14. And the median was 0.40.
PBCO's Dividend Payout Ratio is ranked better than 88.83% of 1173
companies
in the Banks industry
Industry Median: 0.32
vs PBCO: 0.14
PBCO Financial (OTCPK:PBCO) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
PBCO Financial Dividend Payout Ratio Related Terms
PBCO Financial Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for PBCO Financial's Dividend Payout Ratio 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: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, PBCO Financial's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, PBCO Financial's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where PBCO Financial's Dividend Payout Ratio falls into.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
PBCO Financial's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 0.14 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on PBCO Financial and its competitors. This is 65% below median its historical median of 0.40. Over the past decade, PBCO Financial's Dividend Payout Ratio has ranged from 0.14 to 0.67. According to the industry distribution chart, PBCO Financial ranks #131 out of 1173 companies in the Banks industry, placing it in the top 11.2%.
Is PBCO Financial's Dividend Payout Ratio too high?
PBCO Financial's current Dividend Payout Ratio of 0.14 is 65% below median its 10-year median of 0.40. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 0.67. The Banks industry median Dividend Payout Ratio is 0.32. PBCO Financial's value of 0.14 is 56.3% below this industry median. Based on the distribution chart, PBCO Financial ranks #131 out of 1173 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 Dividend Payout Ratio compare to FGBI and TYCB?
According to the Banks industry distribution chart, PBCO Financial ranks #131 out of 1173 companies for Dividend Payout Ratio. This places PBCO Financial in the top 11% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. PBCO Financial's value of 0.14 is 56.3% below this benchmark. Historically, PBCO Financial's own Dividend Payout Ratio has ranged from 0.14 to 0.67 over the past decade. While the company's 10-year median is 0.40 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,173 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PBCO Financial's current Dividend Payout Ratio of 0.14 is 56.3% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on PBCO Financial and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PBCO Financial's current Dividend Payout Ratio is 0.14, which is 65% below median its own 10-year median of 0.40. 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 Dividend Payout Ratio is 0.14, which is 65% below median its 10-year median of 0.40 and 56.3% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For PBCO Financial (PBCO), the current Dividend Payout Ratio is 0.14 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:
Dividend Payout Ratio: 0.14 (65% below median its 10-year median of 0.40)
GF Value™: $15.57 vs. price of $29.95 (92.4% above fair value)
Industry Position: 56.3% below the Banks median (#131 of 1173)
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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