PBCO (PBCO Financial) ROCE %: % (As of Dec. 2025)

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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.
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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 ROCE %?

PBCO Financial PBCO -0.13% 47 ROCE % is % as of Dec. 2025. 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.

ROCE % does not apply to banks and insurance companies.

PBCO
47GF Score
PBCO Financial Corp PBCO
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
PBCO Financial (PBCO) has a ROCE % of % as of Dec. 2025.
Is PBCO Financial's ROCE % too high?
PBCO Financial's current ROCE % is %. 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 ROCE % compare to FGBI and TYCB?
PBCO Financial's ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 3.22. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 3.22, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 3.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PBCO Financial's current ROCE % is %. 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 ROCE % is %. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For PBCO Financial (PBCO), the current ROCE % is % 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:

  • ROCE %: %
  • 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

ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$29.95
Price
$15.57
GF Value