PBCO Financial Corporation (PBCO)

OTCMKTS · Delayed Price · Currency is USD

29.20

+0.05 (0.17%)

Sep 10, 2026, 10:26 AM EST

PBCO Financial Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	36.28	34.78	33.03	25.32	36.84	37.61
Revenue Growth	5.49%	5.29%	30.45%	-31.28%	-2.03%	52.07%
Net Income	9.45	8.56	8.09	0.98	9.86	11.47
Earnings Per Share	1.82	1.62	1.52	0.18	1.92	2.32
EPS Growth	11.68%	6.58%	744.44%	-90.63%	-17.38%	42.69%

Revenue by Segment

Fiscal Year	FY 2025	FY 2024	FY 2023
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Factoring Division	4.38	4.19	4.51
Core Banking	30.39	28.84	27.62
Total	34.78	33.03	32.13

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	22.52	37.71	49.84	20.05	16.38	82.84
Total Debt	51.43	27.89	28.59	49.76	34.45	7.44
Net Cash (Debt)	-28.91	9.81	21.24	-29.7	-18.07	75.4
Net Cash Growth	-	-53.81%	-	-	-	-13.33%
Net Cash Per Share	-5.56	1.85	4.00	-5.58	-3.53	15.27

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	15.07	11.52	12.61	9.02	11.85	15.92
Capital Expenditures	-0.81	-0.96	-1.32	-3.91	-1.37	-1.93
Free Cash Flow	14.27	10.55	11.3	5.11	10.47	13.99
Free Cash Flow Growth	-	-6.55%	121.02%	-51.21%	-25.12%	142.41%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	26.05%	24.63%	24.49%	3.86%	26.75%	30.51%
FCF Margin	39.33%	30.35%	34.20%	20.18%	28.43%	37.20%

Dividends

Fiscal Year	Current	FY 2025	FY 2024
Period Ending	Sep '26 Sep 10, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024
Dividend Per Share	0.250	0.250	0.229
Dividend Per Share Growth	0%	9.17%	-
Dividend Yield	0.86%	1.42%	1.66%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 10, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	16.01	10.66	9.16	72.15	7.17	7.75
P/FCF Ratio	10.33	8.65	6.56	13.81	6.75	6.36
PS Ratio	4.06	2.63	2.24	2.79	1.92	2.36