PBCO Financial Past Earnings Performance
Past criteria checks 1/6
PBCO Financial's earnings have been declining at an average annual rate of -6.1%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 5.5% per year. PBCO Financial's return on equity is 1.7%, and it has net margins of 5.9%.
Key information
-6.1%
Earnings growth rate
-13.5%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 5.5% |
| Return on equity | 1.7% |
| Net Margin | 5.9% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
No updates
Recent updates
Revenue & Expenses Breakdown
How PBCO Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 25 | 1 | 20 | 0 |
| 30 Jun 24 | 24 | 1 | 20 | 0 |
| 31 Mar 24 | 25 | 1 | 21 | 0 |
| 31 Dec 23 | 25 | 1 | 21 | 0 |
| 30 Sep 23 | 33 | 7 | 21 | 0 |
| 30 Jun 23 | 35 | 8 | 21 | 0 |
| 31 Mar 23 | 36 | 9 | 21 | 0 |
| 31 Dec 22 | 37 | 10 | 21 | 0 |
| 30 Sep 22 | 38 | 11 | 20 | 0 |
| 30 Jun 22 | 38 | 10 | 21 | 0 |
| 31 Mar 22 | 38 | 11 | 17 | 0 |
| 31 Dec 21 | 38 | 11 | 19 | 0 |
| 30 Sep 21 | 35 | 10 | 21 | 0 |
| 30 Jun 21 | 32 | 9 | 19 | 0 |
| 31 Mar 21 | 28 | 8 | 16 | 0 |
| 31 Dec 20 | 25 | 6 | 15 | 0 |
| 30 Sep 20 | 23 | 6 | 13 | 0 |
| 30 Jun 20 | 21 | 5 | 13 | 0 |
| 31 Mar 20 | 21 | 4 | 13 | 0 |
| 31 Dec 19 | 20 | 4 | 13 | 0 |
| 30 Sep 19 | 20 | 4 | 13 | 0 |
| 30 Jun 19 | 20 | 4 | 13 | 0 |
| 31 Mar 19 | 19 | 4 | 12 | 0 |
| 31 Dec 18 | 19 | 3 | 12 | 0 |
| 30 Sep 18 | 18 | 3 | 11 | 0 |
| 30 Jun 18 | 17 | 3 | 10 | 0 |
| 31 Mar 18 | 15 | 2 | 10 | 0 |
| 31 Dec 17 | 14 | 2 | 9 | 0 |
| 30 Sep 17 | 13 | 2 | 8 | 0 |
| 30 Jun 17 | 12 | 2 | 7 | 0 |
| 31 Mar 17 | 12 | 2 | 7 | 0 |
| 31 Dec 16 | 11 | 2 | 7 | 0 |
| 30 Sep 16 | 11 | 2 | 11 | 0 |
| 30 Jun 16 | 10 | 1 | 10 | 0 |
| 31 Mar 16 | 10 | 1 | 7 | 0 |
| 31 Dec 15 | 10 | 1 | 7 | 0 |
| 30 Sep 15 | 10 | 2 | 6 | 0 |
| 30 Jun 15 | 10 | 1 | 6 | 0 |
| 31 Mar 15 | 9 | 1 | 6 | 0 |
| 31 Dec 14 | 9 | 1 | 6 | 0 |
| 30 Sep 14 | 9 | 1 | 6 | 0 |
| 30 Jun 14 | 8 | 1 | 6 | 0 |
| 31 Mar 14 | 8 | 1 | 6 | 0 |
| 31 Dec 13 | 8 | 1 | 6 | 0 |
Quality Earnings: PBCO has high quality earnings.
Growing Profit Margin: PBCO's current net profit margins (5.9%) are lower than last year (20.7%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: PBCO's earnings have declined by 6.1% per year over the past 5 years.
Accelerating Growth: PBCO's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: PBCO had negative earnings growth (-78.8%) over the past year, making it difficult to compare to the Banks industry average (-11.8%).
Return on Equity
High ROE: PBCO's Return on Equity (1.7%) is considered low.