People's Bank of Commerce
PBCO Financial Corporation operates as a bank holding company for People's Bank of Commerce that provides commercial banking services for businesses and individuals in Oregon. It operates through Core Banking and Factoring Division segments. The company offers checking and savings accounts; and mortgage servicing. It also provides home equity lines of credit; consumer loans and credit lines; auto… Read more
People's Bank of Commerce (PBCO) - Net Assets
Latest net assets as of June 2025: $93.34 Million USD
Based on the latest financial reports, People's Bank of Commerce (PBCO) has net assets worth $93.34 Million USD as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($811.02 Million) and total liabilities ($717.68 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $93.34 Million |
| % of Total Assets | 11.51% |
| Annual Growth Rate | 11.97% |
| 5-Year Change | 23.48% |
| 10-Year Change | 274.36% |
| Growth Volatility | 263.73 |
People's Bank of Commerce - Net Assets Trend (2002–2025)
This chart illustrates how People's Bank of Commerce's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for People's Bank of Commerce (2002–2025)
The table below shows the annual net assets of People's Bank of Commerce from 2002 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $97.63 Million | +11.42% |
| 2024-12-31 | $87.62 Million | +12.93% |
| 2023-12-31 | $77.59 Million | +13.42% |
| 2022-12-31 | $68.41 Million | -13.48% |
| 2021-12-31 | $79.07 Million | +49.64% |
| 2020-12-31 | $52.84 Million | +26.83% |
| 2019-12-31 | $41.66 Million | +17.50% |
| 2018-12-31 | $35.45 Million | +12.85% |
| 2017-12-31 | $31.42 Million | +20.46% |
| 2016-12-31 | $26.08 Million | -89.56% |
| 2015-12-31 | $249.89 Million | +16.61% |
| 2014-12-31 | $214.30 Million | +18.30% |
| 2013-12-31 | $181.14 Million | +28.40% |
| 2012-12-31 | $141.08 Million | +1155.49% |
| 2006-12-31 | $11.24 Million | +10.12% |
| 2005-12-31 | $10.20 Million | +13.64% |
| 2004-12-31 | $8.98 Million | +11.12% |
| 2003-12-31 | $8.08 Million | +11.55% |
| 2002-12-31 | $7.24 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to People's Bank of Commerce's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 100.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $104.63 Million | 107.18% |
| Other Comprehensive Income | $-7.00 Million | -7.18% |
| Total Equity | $97.63 Million | 100.00% |
People's Bank of Commerce Competitors by Market Cap
The table below lists competitors of People's Bank of Commerce ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Coreana Cosmetics Co.Ltd
KQ:027050
|
$33.77 Million |
|
Chinese Gamer International
TWO:3083
|
$33.78 Million |
|
Land and Houses Freehold and Leasehold Property Fund
BK:LHPF
|
$33.78 Million |
|
Sunny Elec
KO:004770
|
$33.79 Million |
|
Moorim P&P Co Ltd
KO:009580
|
$33.76 Million |
|
San Leon Energy plc
OTCGREY:SLGYF
|
$33.74 Million |
|
Micropolis Holding Company
NYSE MKT:MCRP
|
$33.74 Million |
|
GOODNESS GROWTH HLDGS INC
F:0ZF0
|
$33.74 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in People's Bank of Commerce's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 87,619,934 to 97,629,000, a change of 10,009,066 (11.4%).
- Net income of 8,563,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 5,282,909.
- Other factors decreased equity by 3,836,843.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $8.56 Million | +8.77% |
| Other Comprehensive Income | $5.28 Million | +5.41% |
| Other Changes | $-3.84 Million | -3.93% |
| Total Change | $- | 11.42% |
Book Value vs Market Value Analysis
This analysis compares People's Bank of Commerce's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.77x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.99x to 0.77x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2002-12-31 | $4.77 | $14.25 | x |
| 2003-12-31 | $5.32 | $14.25 | x |
| 2004-12-31 | $5.70 | $14.25 | x |
| 2005-12-31 | $6.94 | $14.25 | x |
| 2006-12-31 | $6.22 | $14.25 | x |
| 2012-12-31 | $3.74 | $14.25 | x |
| 2013-12-31 | $9.06 | $14.25 | x |
| 2014-12-31 | $7.93 | $14.25 | x |
| 2015-12-31 | $8.23 | $14.25 | x |
| 2016-12-31 | $8.91 | $14.25 | x |
| 2017-12-31 | $10.19 | $14.25 | x |
| 2018-12-31 | $10.44 | $14.25 | x |
| 2019-12-31 | $12.60 | $14.25 | x |
| 2020-12-31 | $13.69 | $14.25 | x |
| 2021-12-31 | $16.01 | $14.25 | x |
| 2022-12-31 | $13.35 | $14.25 | x |
| 2023-12-31 | $14.57 | $14.25 | x |
| 2024-12-31 | $16.48 | $14.25 | x |
| 2025-12-31 | $18.56 | $14.25 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently People's Bank of Commerce utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.77%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 18.32%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 8.08x
- Recent ROE (8.77%) is below the historical average (9.12%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2002 | 8.88% | 13.66% | 0.10x | 6.39x | $-80.91K |
| 2003 | 10.76% | 15.82% | 0.10x | 6.65x | $61.33K |
| 2004 | 10.19% | 16.42% | 0.09x | 6.92x | $17.10K |
| 2005 | 11.76% | 17.62% | 0.09x | 7.48x | $179.60K |
| 2006 | 10.79% | 20.16% | 0.07x | 7.38x | $89.30K |
| 2012 | 12.10% | 11.94% | 0.05x | 19.96x | $151.67K |
| 2013 | 4.80% | 12.10% | 0.05x | 8.62x | $-1.09 Million |
| 2014 | 5.31% | 13.14% | 0.04x | 9.54x | $-1.06 Million |
| 2015 | 5.85% | 13.54% | 0.04x | 10.42x | $-997.56K |
| 2016 | 7.21% | 15.47% | 0.05x | 10.20x | $-727.41K |
| 2017 | 6.56% | 14.07% | 0.05x | 9.58x | $-1.08 Million |
| 2018 | 9.58% | 17.17% | 0.06x | 9.87x | $-147.18K |
| 2019 | 9.77% | 18.42% | 0.06x | 8.89x | $-97.41K |
| 2020 | 11.60% | 22.67% | 0.05x | 9.90x | $847.44K |
| 2021 | 14.51% | 29.68% | 0.04x | 10.87x | $3.57 Million |
| 2022 | 14.41% | 24.95% | 0.05x | 11.76x | $3.02 Million |
| 2023 | 1.26% | 2.87% | 0.04x | 9.84x | $-6.78 Million |
| 2024 | 9.23% | 18.26% | 0.06x | 9.12x | $-673.32K |
| 2025 | 8.77% | 18.32% | 0.06x | 8.08x | $-1.20 Million |
Industry Comparison
This section compares People's Bank of Commerce's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| People's Bank of Commerce (PBCO) | $93.34 Million | 8.88% | 7.69x | $33.77 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |