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PBCO (PBCO Financial) Return-on-Tangible-Asset : 1.04% (As of Dec. 2024)


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What is PBCO Financial Return-on-Tangible-Asset?

Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. PBCO Financial's annualized Net Income for the quarter that ended in Dec. 2024 was $8.09 Mil. PBCO Financial's average total tangible assets for the quarter that ended in Dec. 2024 was $777.79 Mil. Therefore, PBCO Financial's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2024 was 1.04%.

The historical rank and industry rank for PBCO Financial's Return-on-Tangible-Asset or its related term are showing as below:

PBCO' s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.13   Med: 1.17   Max: 1.73
Current: 1.04

During the past 13 years, PBCO Financial's highest Return-on-Tangible-Asset was 1.73%. The lowest was 0.13%. And the median was 1.17%.

PBCO's Return-on-Tangible-Asset is ranked better than
58.94% of 1588 companies
in the Banks industry
Industry Median: 0.89 vs PBCO: 1.04

PBCO Financial Return-on-Tangible-Asset Historical Data

The historical data trend for PBCO Financial's Return-on-Tangible-Asset 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.

* Premium members only.

PBCO Financial Return-on-Tangible-Asset Chart

PBCO Financial Annual Data
Trend Dec05 Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Return-on-Tangible-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.38 1.67 1.19 0.13 1.04

PBCO Financial Semi-Annual Data
Dec02 Dec03 Dec04 Dec05 Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Return-on-Tangible-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.38 1.67 1.19 0.13 1.04

Competitive Comparison of PBCO Financial's Return-on-Tangible-Asset

For the Banks - Regional subindustry, PBCO Financial's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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's Return-on-Tangible-Asset Distribution in the Banks Industry

For the Banks industry and Financial Services sector, PBCO Financial's Return-on-Tangible-Asset distribution charts can be found below:

* The bar in red indicates where PBCO Financial's Return-on-Tangible-Asset falls into.


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PBCO Financial Return-on-Tangible-Asset Calculation

PBCO Financial's annualized Return-on-Tangible-Asset for the fiscal year that ended in Dec. 2024 is calculated as:

Return-on-Tangible-Asset=Net Income/( (Total Tangible Assets+Total Tangible Assets)/ count )
(A: Dec. 2024 )  (A: Dec. 2023 )(A: Dec. 2024 )
=Net Income/( (Total Assets - Intangible Assets+Total Assets - Intangible Assets)/ count )
(A: Dec. 2024 )  (A: Dec. 2023 )(A: Dec. 2024 )
=8.089/( (760.018+795.562)/ 2 )
=8.089/777.79
=1.04 %

PBCO Financial's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2024 is calculated as:

Return-on-Tangible-Asset=Net Income/( (Total Tangible Assets+Total Tangible Assets)/ count )
(Q: Dec. 2024 )  (Q: Dec. 2023 )(Q: Dec. 2024 )
=Net Income/( (Total Assets - Intangible Assets+Total Assets - Intangible Assets)/ count )
(Q: Dec. 2024 )  (Q: Dec. 2023 )(Q: Dec. 2024 )
=8.089/( (760.018+795.562)/ 2 )
=8.089/777.79
=1.04 %

* 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.

In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data, the Net Income data used here is one times the annual (Dec. 2024) net income data.


PBCO Financial  (OTCPK:PBCO) Return-on-Tangible-Asset Explanation

Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.


Be Aware

Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the company’s earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a company’s tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).

Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.


PBCO Financial Return-on-Tangible-Asset Related Terms

Thank you for viewing the detailed overview of PBCO Financial's Return-on-Tangible-Asset provided by GuruFocus.com. Please click on the following links to see related term pages.


PBCO Financial Business Description

Traded in Other Exchanges
N/A
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.

PBCO Financial Headlines