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PBCO Financial Corporation PBCO

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Price alert · PBCO

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27.92 USD +0.18 +0.65%

As of Nov 2, 11:25 AM ET

27.92 Day range 27.92
17.00 52-week range 31.67
YTD
+55.54%
1 year
+61.86%
Open
27.92
Prev close
27.74
Mkt cap
141.61M
Vol
172
Avg vol
2.21K
EPS
1.62
P/E
17.23
More statistics
Low
27.92
High
27.92

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Financial health

Altman Z-Score

0.26 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 2
  • P/B 2

Valuation

P/E 11.0×
FY 2016: 12.2×FY 2017: 16.4×FY 2018: 11.7×FY 2019: 10.6×FY 2020: 7.2×FY 2021: 7.4×FY 2022: 7.1×FY 2023: 75.0×FY 2024: 9.4×FY 2025: 11.0×
FY 2016 5y median 9.4× FY 2025
P/S 2.0×
FY 2016: 1.9×FY 2017: 2.3×FY 2018: 2.0×FY 2019: 2.0×FY 2020: 1.6×FY 2021: 2.2×FY 2022: 1.8×FY 2023: 2.1×FY 2024: 1.7×FY 2025: 2.0×
FY 2016 5y median 2.0× FY 2025
P/B 1.0×
FY 2016: 0.9×FY 2017: 1.1×FY 2018: 1.1×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 1.1×FY 2022: 1.0×FY 2023: 0.9×FY 2024: 0.9×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF 8.9×
FY 2016: -44.1×FY 2017: -7.2×FY 2018: 98.2×FY 2019: 8.4×FY 2020: 7.6×FY 2021: 6.1×FY 2022: 6.6×FY 2023: 14.1×FY 2024: 6.7×FY 2025: 8.9×
FY 2016 5y median 6.7× FY 2025
EV/EBITDA 8.7×
FY 2016: 2.7×FY 2017: 3.2×FY 2018: 2.7×FY 2019: 6.5×FY 2020: -4.6×FY 2021: 0.6×FY 2022: 5.9×FY 2023: 32.4×FY 2024: 4.3×FY 2025: 8.7×
FY 2016 5y median 5.9× FY 2025
EV/Sales 2.5×
FY 2016: 0.7×FY 2017: 0.9×FY 2018: 0.7×FY 2019: 2.0×FY 2020: -1.6×FY 2021: 0.2×FY 2022: 2.2×FY 2023: 3.0×FY 2024: 1.2×FY 2025: 2.5×
FY 2016 5y median 2.2× FY 2025
FCF Yield 11.2%
FY 2016: -2.3%FY 2017: -14.0%FY 2018: 1.0%FY 2019: 11.9%FY 2020: 13.2%FY 2021: 16.5%FY 2022: 15.1%FY 2023: 7.1%FY 2024: 14.9%FY 2025: 11.2%
FY 2016 5y median 14.9% FY 2025

Profitability

Gross Margin 74.4%
FY 2016: 100.0%FY 2017: 97.0%FY 2018: 95.5%FY 2019: 93.7%FY 2020: 96.4%FY 2021: 97.6%FY 2022: 95.6%FY 2023: 75.6%FY 2024: 74.3%FY 2025: 74.4%
FY 2016 5y median 75.6% FY 2025
Operating Margin 24.6%
FY 2016: 22.7%FY 2017: 25.3%FY 2018: 21.8%FY 2019: 24.9%FY 2020: 29.8%FY 2021: 37.7%FY 2022: 33.3%FY 2023: 3.9%FY 2024: 24.3%FY 2025: 24.6%
FY 2016 5y median 24.6% FY 2025
Net Margin 18.3%
FY 2016: 15.5%FY 2017: 14.1%FY 2018: 17.2%FY 2019: 18.4%FY 2020: 22.7%FY 2021: 29.7%FY 2022: 25.0%FY 2023: 2.9%FY 2024: 18.3%FY 2025: 18.3%
FY 2016 5y median 18.3% FY 2025
ROE 8.8%
FY 2016: 7.2%FY 2017: 6.6%FY 2018: 9.6%FY 2019: 9.8%FY 2020: 11.6%FY 2021: 14.5%FY 2022: 14.4%FY 2023: 1.3%FY 2024: 9.2%FY 2025: 8.8%
FY 2016 5y median 9.2% FY 2025
ROIC 1.1%
FY 2016: 3.1%FY 2017: 6.4%FY 2018: 9.5%FY 2019: 7.0%FY 2020: 10.3%FY 2021: 13.2%FY 2022: 9.5%FY 2023: 0.8%FY 2024: 6.4%FY 2025: 1.1%
FY 2016 5y median 6.4% FY 2025
ROA 1.1%
FY 2016: 0.7%FY 2017: 0.7%FY 2018: 1.0%FY 2019: 1.1%FY 2020: 1.2%FY 2021: 1.3%FY 2022: 1.2%FY 2023: 0.1%FY 2024: 1.0%FY 2025: 1.1%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 5.5%
FY 2016: 17.2%FY 2017: 20.4%FY 2018: 35.2%FY 2019: 11.6%FY 2020: 22.4%FY 2021: 43.0%FY 2022: 2.2%FY 2023: -13.6%FY 2024: 29.7%FY 2025: 5.5%
FY 2016 FY 2025
Operating Income 6.9%
FY 2016: 35.4%FY 2017: 34.5%FY 2018: 16.5%FY 2019: 27.3%FY 2020: 46.6%FY 2021: 80.4%FY 2022: -9.5%FY 2023: -90.0%FY 2024: 718.6%FY 2025: 6.9%
FY 2016 FY 2025
EPS (diluted) 6.6%
FY 2016: 33.3%FY 2017: 4.7%FY 2018: 49.3%FY 2019: 23.0%FY 2020: 29.3%FY 2021: 45.9%FY 2022: -17.2%FY 2023: -90.6%FY 2024: 744.4%FY 2025: 6.6%
FY 2016 FY 2025
Free Cash Flow -6.6%
FY 2016: 47.9%FY 2017: -804.5%FY 2018: 108.5%FY 2019: 1172.3%FY 2020: 12.2%FY 2021: 142.4%FY 2022: -25.1%FY 2023: -51.2%FY 2024: 121.0%FY 2025: -6.6%
FY 2016 FY 2025

Financial Health

Current Ratio 12.3×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 12.3×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 12.3×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 12.3×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.3×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.4×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.5×FY 2023: 0.6×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA 1.6×
FY 2016: -4.7×FY 2017: -4.8×FY 2018: -5.1×FY 2019: 0.1×FY 2020: -9.3×FY 2021: -4.6×FY 2022: 1.2×FY 2023: 9.5×FY 2024: -1.7×FY 2025: 1.6×
FY 2016 5y median 1.2× FY 2025
Interest Coverage 1.0×
FY 2016: 0.0×FY 2017: 8.5×FY 2018: 4.9×FY 2019: 3.9×FY 2020: 8.3×FY 2021: 15.5×FY 2022: 7.6×FY 2023: 0.2×FY 2024: 0.9×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025

Dividends

Dividend Yield 1.3%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 1.3%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 14.2%
FY 2016: 0.1%FY 2017: 0.2%FY 2018: 0.1%FY 2019: 0.1%FY 2020: 0.0%FY 2021: 0.1%FY 2022: 0.1%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 14.2%
FY 2016 5y median 0.1% FY 2025

Annual · latest fiscal year ends 2025-12-31