PBKX

Partners Bank of California

USD

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Price alert · PBKX

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15.50 USD -0.20 -1.27%
As of Oct 30, 2026
15.45 Day range 15.90
11.00 52-week range 20.19
YTD
+30.80%
1 year
+40.91%
Open
15.90
Prev close
15.70
Mkt cap
69.24M
Vol
94.96K
Avg vol
16.75K
EPS
1.65
P/E
9.39
More statistics
Low
15.45
High
15.90

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Financial health

Altman Z-Score

0.45 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

A-4 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 8.9×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 21.1×FY 2019: 17.9×FY 2020: 20.0×FY 2021: 10.2×FY 2022: 13.8×FY 2023: 10.8×FY 2024: 7.6×FY 2025: 8.9×
FY 2016 5y median 10.2× FY 2025
P/S 1.5×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 2.8×FY 2019: 2.8×FY 2020: 2.6×FY 2021: 2.8×FY 2022: 2.9×FY 2023: 2.0×FY 2024: 1.5×FY 2025: 1.5×
FY 2016 5y median 2.0× FY 2025
P/B 0.8×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 1.1×FY 2019: 1.1×FY 2020: 1.2×FY 2021: 1.1×FY 2022: 1.1×FY 2023: 1.0×FY 2024: 0.8×FY 2025: 0.8×
FY 2016 5y median 1.0× FY 2025
P/FCF 175×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 11.8×FY 2019: 12.4×FY 2020: 10.7×FY 2021: 8.6×FY 2022: 11.0×FY 2023: 9.1×FY 2024: 6.8×FY 2025: 175×
FY 2016 5y median 9.1× FY 2025
EV/EBITDA 0.7×
FY 2016: -1.6×FY 2017: -1.9×FY 2018: 12.0×FY 2019: 3.9×FY 2020: 6.7×FY 2021: 0.9×FY 2022: 7.9×FY 2023: -0.4×FY 2024: 2.6×FY 2025: 0.7×
FY 2016 5y median 0.9× FY 2025
EV/Sales 0.2×
FY 2016: -3.1×FY 2017: -3.9×FY 2018: 2.5×FY 2019: 1.0×FY 2020: 1.4×FY 2021: 0.4×FY 2022: 2.4×FY 2023: -0.1×FY 2024: 0.8×FY 2025: 0.2×
FY 2016 5y median 0.4× FY 2025
FCF Yield 0.6%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 8.5%FY 2019: 8.0%FY 2020: 9.3%FY 2021: 11.6%FY 2022: 9.1%FY 2023: 11.0%FY 2024: 14.7%FY 2025: 0.6%
FY 2016 5y median 11.0% FY 2025

Profitability

Gross Margin 56.2%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 90.6%FY 2019: 83.9%FY 2020: 90.0%FY 2021: 93.2%FY 2022: 93.3%FY 2023: 72.8%FY 2024: 67.2%FY 2025: 56.2%
FY 2016 5y median 72.8% FY 2025
Operating Margin 23.8%
FY 2016: 24.9%FY 2017: 31.5%FY 2018: 19.7%FY 2019: 23.5%FY 2020: 18.8%FY 2021: 39.1%FY 2022: 29.8%FY 2023: 26.7%FY 2024: 29.3%FY 2025: 23.8%
FY 2016 5y median 29.3% FY 2025
Net Margin 16.6%
FY 2016: 13.5%FY 2017: 9.1%FY 2018: 13.5%FY 2019: 15.5%FY 2020: 12.9%FY 2021: 27.6%FY 2022: 20.9%FY 2023: 18.6%FY 2024: 20.3%FY 2025: 16.6%
FY 2016 5y median 20.3% FY 2025
ROE 9.4%
FY 2016: 3.7%FY 2017: 3.0%FY 2018: 5.1%FY 2019: 6.2%FY 2020: 6.1%FY 2021: 11.1%FY 2022: 7.8%FY 2023: 9.0%FY 2024: 10.5%FY 2025: 9.4%
FY 2016 5y median 9.4% FY 2025
ROIC 0.8%
FY 2016: 0.4%FY 2017: 0.4%FY 2018: 2.4%FY 2019: 0.7%FY 2020: 0.5%FY 2021: 1.1%FY 2022: 3.3%FY 2023: 5.4%FY 2024: 5.7%FY 2025: 0.8%
FY 2016 5y median 3.3% FY 2025
ROA 0.8%
FY 2016: 0.4%FY 2017: 0.4%FY 2018: 0.6%FY 2019: 0.7%FY 2020: 0.5%FY 2021: 1.1%FY 2022: 0.8%FY 2023: 0.9%FY 2024: 0.9%FY 2025: 0.8%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 23.8%
FY 2016: 0.0%FY 2017: 26.3%FY 2018: 36.9%FY 2019: 26.0%FY 2020: 26.4%FY 2021: -2.4%FY 2022: 3.6%FY 2023: 43.5%FY 2024: 20.3%FY 2025: 23.8%
FY 2016 FY 2025
Operating Income 0.6%
FY 2016: 0.0%FY 2017: 60.0%FY 2018: -14.2%FY 2019: 50.0%FY 2020: 0.9%FY 2021: 103.1%FY 2022: -21.0%FY 2023: 28.8%FY 2024: 31.9%FY 2025: 0.6%
FY 2016 FY 2025
EPS (diluted) 3.1%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 31.6%FY 2020: -2.0%FY 2021: 106.1%FY 2022: -23.8%FY 2023: 32.5%FY 2024: 26.5%FY 2025: 3.1%
FY 2016 FY 2025
Free Cash Flow -95.4%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 17.4%FY 2020: 34.9%FY 2021: 33.4%FY 2022: -17.2%FY 2023: 22.3%FY 2024: 21.5%FY 2025: -95.4%
FY 2016 FY 2025

Financial Health

Current Ratio 3.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.2×FY 2019: 1106×FY 2020: 1350×FY 2021: 4059×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 3.0×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 3.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.2×FY 2019: 1106×FY 2020: 1350×FY 2021: 4059×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 3.0×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.4×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 1.1×FY 2019: 1.1×FY 2020: 1.3×FY 2021: 1.1×FY 2022: 1.3×FY 2023: 0.6×FY 2024: 0.8×FY 2025: 0.4×
FY 2016 5y median 0.8× FY 2025
Net Debt / EBITDA -5.5×
FY 2016: -1.6×FY 2017: -1.9×FY 2018: -1.6×FY 2019: -7.2×FY 2020: -5.9×FY 2021: -6.1×FY 2022: -1.3×FY 2023: -7.8×FY 2024: -2.5×FY 2025: -5.5×
FY 2016 5y median -5.5× FY 2025
Interest Coverage 0.6×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 2.1×FY 2019: 1.5×FY 2020: 1.9×FY 2021: 5.7×FY 2022: 4.5×FY 2023: 1.0×FY 2024: 0.9×FY 2025: 0.6×
FY 2016 5y median 1.0× FY 2025

Dividends

Dividend Yield 0.0%
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: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
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: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31