PBCO Financials: Peoples Bank of Commerce AI Analysis

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PBCO Financial

Peoples Bank of Commerce

$18.3

As of today:Mar 24, 14:11:13 GMT-4

Overview Forecast Earnings Dividends Financials

Key Stats

Prev.Close

$18.3

Open

$18.3

Day's Range

$18.3 - $18.3

52 week range

$13.75 - $18.5

Volume

200

Avg.Volume

5.3K

Dividend yield

EPS (TTM)

Market Cap

$97.5M

What is PBCO?

PBCO Financial Corp. is a locally-owned community bank, which engages in the provision of financial services. The company is headquartered in Medford, Oregon. The company went IPO on 2000-06-26. The Bank provides banking services in the state of Oregon. The Bank operates 10 full-service branches in Albany, Ashland, Central Point, Grants Pass, Jacksonville, Klamath Falls, Lebanon, Medford and Salem, Oregon. The Bank provides banking services to businesses and individuals in the Southern and Willamette Regions. The Bank also has a loan production office in Eugene, Oregon. The Bank’s segments include Real Estate, Commercial, Construction and Consumer. The Bank’s services include checking, savings, e-banking, treasury management, ODP business solutions, loans, employee retention credit (ERC), credit cards and debit card.

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Income

Balance sheet

Cash flow

Annual

Quarterly

PBCO Income

Financials in millions USD. Fiscal year is February - January.

Breakdown	TTM	03/31/2025	03/31/2024	03/31/2023	03/31/2022	03/31/2021
Revenue	70,898	61,861	52,307	40,683	34,404	36,537
Revenue Growth (YoY)	25%	18%	28.99%	18%	-6%	-19%
Cost of Revenue	49,477	43,622	37,707	29,167	24,439	26,540
Gross Profit	21,421	18,239	14,599	11,515	9,964	9,997
Selling, General & Admin	14,846	11,543	9,795	8,038	7,612	6,536
Research & Development	--	--	--	--	--	--
Operating Expenses	14,846	13,442	11,436	9,508	8,924	8,574
Other Non Operating Income (Expenses)	-22	38	238	809	578	182
Pretax Income	8,332	5,300	3,591	2,757	2,541	1,544
Income Tax Expense	2,822	2,375	1,502	1,053	1,092	411
Net Income	5,566	2,995	2,072	1,704	1,448	751
Net Income Growth	169%	45%	22%	18%	93%	-47%
Shares Outstanding (Diluted)	18.36	18.87	18.87	18.83	18.77	18.7
Shares Change (YoY)	-3%	0%	0%	0%	0%	0%
EPS (Diluted)	303.06	158.68	109.78	90.49	77.18	40.17
EPS Growth	177%	45%	21%	17%	92%	-47%
Free Cash Flow	--	36	8,542	1,728	5,770	-1,108
Free Cash Flow Per Share	--	--	--	--	--	--
Gross Margin	30.21%	29.48%	27.91%	28.3%	28.96%	27.36%
Operating Margin	9.27%	7.75%	6.04%	4.93%	3.02%	3.89%
Profit Margin	7.85%	4.84%	3.96%	4.18%	4.2%	2.05%
Free Cash Flow Margin	--	0.05%	16.33%	4.24%	16.77%	-3.03%
EBITDA	--	7,132	5,230	3,908	2,805	3,967
EBITDA Margin	--	11.52%	9.99%	9.6%	8.15%	10.85%
D&A For EBITDA	--	2,335	2,068	1,901	1,765	2,544
EBIT	6,574	4,797	3,162	2,007	1,040	1,423
EBIT Margin	9.27%	7.75%	6.04%	4.93%	3.02%	3.89%
Effective Tax Rate	33.86%	44.81%	41.82%	38.19%	42.97%	26.61%

Follow-Up Questions

What are Peoples Bank of Commerce's key financial statements?

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According to the latest financial statement (Form-10K), Sansei Technologies Inc has a total asset of $87,807, Net profit of $2,995

What are the key financial ratios for PBCO?

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Sansei Technologies Inc's Current ratio is 2.05, has a Net margin is 4.84, sales per share of $3,276.98.

How is Peoples Bank of Commerce's revenue broken down by segment or geography?

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Sansei Technologies Inc largest revenue segment is Amusement Machines, at a revenue of 35,810,957,000 in the most earnings release.For geography, Japan is the primary market for Sansei Technologies Inc, at a revenue of 31,354,019,000.

Is Peoples Bank of Commerce profitable?

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yes, according to the latest financial statements, Sansei Technologies Inc has a net profit of $2,995

Does Peoples Bank of Commerce have any liabilities?

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yes, Sansei Technologies Inc has liability of 42,725

How many outstanding shares for Peoples Bank of Commerce?

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Sansei Technologies Inc has a total outstanding shares of 18.69

Peoples Bank of Commerce (PBCO) Financial

PBCO Stock Price Chart

Key Stats

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Open

Day's Range

52 week range

Volume

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EPS (TTM)

Market Cap

What is PBCO?

PBCO Income

Follow-Up Questions

What are Peoples Bank of Commerce's key financial statements?

What are the key financial ratios for PBCO?

How is Peoples Bank of Commerce's revenue broken down by segment or geography?

Is Peoples Bank of Commerce profitable?

Does Peoples Bank of Commerce have any liabilities?

How many outstanding shares for Peoples Bank of Commerce?