MEDFORD, Oregon — February 3, 2026
Executive Summary
PBCO Financial Corporation, the holding company of People’s Bank of Commerce, has announced the declaration of a cash dividend as part of its shareholder return program. The company declared a dividend of $0.25 per share, representing approximately 15 percent of its net income for the 2025 fiscal year. The dividend is scheduled to be paid on March 5, 2026, to shareholders of record as of February 18, 2026. According to the company, the dividend reflects its financial performance during the year ended December 31, 2025, and marks the second consecutive cash dividend declared by PBCO Financial Corporation. The announcement accompanies year-end financial disclosures outlining asset growth, deposit levels, shareholder equity, and net income results for the 2025 reporting period.
Announcement Overview
PBCO Financial Corporation announced that its board of directors has declared a cash dividend payable to shareholders of the company’s common stock. The dividend amount was set at $0.25 per share and is scheduled for payment in early March 2026. The company specified that shareholders of record as of February 18, 2026, will be eligible to receive the dividend.
According to the company, the declared dividend represents approximately 15 percent of net income earned during the 2025 fiscal year. The announcement follows the company’s prior declaration of a cash dividend and reflects the continuation of its shareholder distribution practices. The company stated that the dividend decision was made in the context of its overall financial position and operating results for the year ended December 31, 2025.
PBCO Financial Corporation’s common stock trades on the over-the-counter market, and the dividend applies to issued and outstanding shares eligible under the declared record date. The company provided additional context regarding its financial performance and balance sheet metrics in connection with the dividend announcement.
Key Announcement Details
The company declared a cash dividend of $0.25 per share.
The dividend represents approximately 15 percent of net income earned in 2025.
The dividend payment date is March 5, 2026.
The shareholder record date is February 18, 2026.
The announcement applies to common shareholders of PBCO Financial Corporation.
The company’s stock trades under the OTCID symbol PBCO.
The dividend marks the company’s second consecutive cash dividend declaration.
Strategic Context
According to the company, the dividend declaration follows a year of reported profitability and balance sheet growth. PBCO Financial Corporation reported net income for the year ended December 31, 2025, and indicated that the dividend represents a portion of earnings returned to shareholders. The company framed the dividend as part of its ongoing capital management approach, which includes balancing reinvestment in operations with shareholder distributions.
The company’s financial disclosures accompanying the announcement outlined total assets, deposits, shareholder equity, and earnings per share figures for the 2025 fiscal year. These metrics provide context for the dividend declaration and reflect the company’s reported operating scale at year-end.
Dividend declarations by bank holding companies are typically subject to board approval and are influenced by earnings performance, capital levels, regulatory considerations, and liquidity position. The company did not indicate any changes to its dividend policy beyond the declared payment and noted that the announcement reflects its current financial position.
Leadership Statement
“We are pleased to announce the declaration of our second consecutive cash dividend, reflecting the company’s continued strong financial performance,” said Julia Beattie, President and Chief Executive Officer. “This dividend underscores our ongoing commitment to delivering value to our shareholders.”
Dividend Structure and Payment Mechanics
The declared dividend is a cash distribution payable on a per-share basis. Shareholders who hold shares of PBCO Financial Corporation common stock as of the close of business on February 18, 2026, will be entitled to receive the dividend payment on March 5, 2026.
The dividend amount of $0.25 per share applies uniformly to all eligible shares outstanding on the record date. The company did not announce any special conditions or limitations related to the payment and did not indicate whether the dividend would be classified as ordinary income or subject to specific tax treatment, which is typically determined at the shareholder level.
The company indicated that the dividend represents approximately 15 percent of its reported net income for the year ended 2025. This percentage reflects the portion of earnings allocated to shareholder distributions under the declared payment.
Financial Performance Overview for 2025
As part of the dividend announcement, PBCO Financial Corporation provided selected financial metrics for the year ended December 31, 2025. According to the company, total assets were reported at $788.6 million as of year-end. Total deposits were reported at $654.0 million, and shareholder equity totaled $97.6 million.
For the full year 2025, the company reported net income of $8.6 million. Earnings per share for the year were reported at $1.63. These figures reflect the company’s consolidated financial results for the reporting period and provide context for the declared dividend amount.
The company did not provide comparative prior-year figures in the announcement but stated that the dividend reflects its financial performance for the year. The disclosed metrics represent key balance sheet and income statement measures commonly used by investors to assess financial condition and operating results.
Capital Position and Shareholder Equity
PBCO Financial Corporation reported shareholder equity of $97.6 million as of December 31, 2025. Shareholder equity represents the residual interest in the company’s assets after deducting liabilities and is a key measure of financial strength for bank holding companies.
The company’s reported equity level, combined with its net income for the year, forms part of the basis for board decisions regarding dividends and capital allocation. The company did not disclose capital ratios or regulatory capital measures in the announcement but referenced shareholder equity as part of its year-end financial position.
Dividend payments reduce retained earnings and shareholder equity by the amount distributed. The company’s announcement indicates that the declared dividend was considered in light of its reported financial position at year-end.
Deposit Base and Asset Profile
According to the company, total deposits were reported at $654.0 million as of December 31, 2025. Deposits represent a primary funding source for the bank subsidiary, People’s Bank of Commerce, and are a key component of the company’s balance sheet.
Total assets were reported at $788.6 million at year-end. Asset totals reflect the size of the company’s consolidated operations, including loans, investments, and other assets held by the bank subsidiary.
The announcement did not provide a breakdown of asset composition or deposit categories but included these figures to contextualize the company’s operating scale and financial capacity.
Market and Trading Information
PBCO Financial Corporation’s common stock trades on the over-the-counter market under the symbol PBCO. The company noted that additional information about its operations and financial results is available in the investor section of its website.
Over-the-counter traded securities are subject to different disclosure and liquidity characteristics compared to exchange-listed securities. The company did not provide trading volume or market capitalization data in the announcement.
The dividend applies to shareholders of record holding shares through the applicable OTC trading and settlement processes as of the stated record date.
Regulatory and Forward-Looking Statement Context
The company included a safe harbor statement under the Private Securities Litigation Reform Act of 1995. According to the statement, the release contains forward-looking statements intended to qualify for the statutory safe harbor from liability.
Forward-looking statements are generally identified by words such as “believes,” “expects,” “anticipates,” “foresees,” “forecasts,” or “estimates,” as well as statements describing business strategy, outlook, objectives, plans, or goals. The company noted that such statements are subject to risks and uncertainties that could cause actual results to differ materially from those expressed or implied.
The inclusion of the safe harbor statement is intended to provide legal context for statements regarding performance, strategy, or expectations referenced in the release.
About PBCO Financial Corporation
PBCO Financial Corporation is the bank holding company for People’s Bank of Commerce. The company’s common stock trades on the over-the-counter market under the symbol PBCO. Information about the company, including investor-related materials, is available through its corporate website.
The holding company structure allows PBCO Financial Corporation to oversee the operations of its bank subsidiary and manage capital, governance, and strategic initiatives at the consolidated level.
About People’s Bank of Commerce
Founded in 1998, People’s Bank of Commerce is a full-service commercial bank headquartered in Medford, Oregon. The bank operates a network of branches serving multiple communities across the state of Oregon.
Branch locations include Albany, Ashland, Central Point, Eugene, Grants Pass, Jacksonville, Klamath Falls, Lebanon, Medford, and Salem. Through these locations, the bank provides commercial banking services to businesses and individuals within its service areas.
As a commercial bank, People’s Bank of Commerce offers a range of banking products and services consistent with its full-service model. The bank operates as a subsidiary of PBCO Financial Corporation.
Media Contact
Julia Beattie
President and Chief Executive Officer
People’s Bank of Commerce
Phone: (541) 608-8920
Source Attribution
Source: Company announcement