PCB Fundamental Analysis - PCB BANCORP

Fundamental Rating

Taking everything into account, PCB scores 5 out of 10 in our fundamental rating. PCB was compared to 395 industry peers in the Banks industry. While PCB seems to be doing ok healthwise, there are quite some concerns on its profitability. PCB is not priced too expensively while it is growing strongly. Keep and eye on this one! PCB also has an excellent dividend rating.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year PCB was profitable.

PCB had a positive operating cash flow in the past year.

Each year in the past 5 years PCB has been profitable.

Of the past 5 years PCB 4 years had a positive operating cash flow.

1.2 Ratios

PCB has a Return On Assets (0.93%) which is comparable to the rest of the industry.

PCB's Return On Equity of 8.15% is in line compared to the rest of the industry. PCB outperforms 48.99% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.93%
ROE	8.15%
ROIC	N/A

ROA(3y)1.12%

ROA(5y)1.21%

ROE(3y)8.67%

ROE(5y)9.69%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 28.48%, PCB is in the better half of the industry, outperforming 76.01% of the companies in the same industry.

In the last couple of years the Profit Margin of PCB has declined.

PCB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	28.48%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-15.73%

PM growth 5Y-3.44%

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

PCB does not have a ROIC to compare to the WACC, probably because it is not profitable.

PCB has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, PCB has less shares outstanding

Compared to 1 year ago, PCB has a worse debt to assets ratio.

2.2 Solvency

There is no outstanding debt for PCB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC25.9%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

PCB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.31%, which is quite impressive.

PCB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.29% yearly.

Looking at the last year, PCB shows a quite strong growth in Revenue. The Revenue has grown by 10.41% in the last year.

Measured over the past years, PCB shows a small growth in Revenue. The Revenue has been growing by 4.27% on average per year.

EPS 1Y (TTM)28.31%

EPS 3Y-12.75%

EPS 5Y3.29%

EPS Q2Q%44.19%

Revenue 1Y (TTM)10.41%

Revenue growth 3Y1.45%

Revenue growth 5Y4.27%

Sales Q2Q%20.92%

3.2 Future

PCB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.85% yearly.

The Revenue is expected to grow by 13.24% on average over the next years. This is quite good.

EPS Next Y32.05%

EPS Next 2Y22.85%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year17.3%

Revenue Next 2Y13.24%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.38, the valuation of PCB can be described as reasonable.

PCB's Price/Earnings ratio is rather cheap when compared to the industry. PCB is cheaper than 80.56% of the companies in the same industry.

PCB is valuated cheaply when we compare the Price/Earnings ratio to 27.08, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 8.42, the valuation of PCB can be described as very reasonable.

81.57% of the companies in the same industry are more expensive than PCB, based on the Price/Forward Earnings ratio.

PCB is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.72, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	10.38
Fwd PE	8.42

4.2 Price Multiples

PCB's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	14.78
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as PCB's earnings are expected to grow with 22.85% in the coming years.

PEG (NY)0.32

PEG (5Y)3.15

EPS Next 2Y22.85%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

PCB has a Yearly Dividend Yield of 3.62%.

Compared to an average industry Dividend Yield of 3.20, PCB pays a bit more dividend than its industry peers.

PCB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.

		Industry Rank	Sector Rank
Dividend Yield	3.62%

5.2 History

On average, the dividend of PCB grows each year by 25.29%, which is quite nice.

PCB has been paying a dividend for at least 10 years, so it has a reliable track record.

As PCB did not decrease their dividend in the past 5 years, we can say the dividend looks stable.

Dividend Growth(5Y)25.29%

Div Incr Years6

Div Non Decr Years9

5.3 Sustainability

PCB pays out 38.28% of its income as dividend. This is a sustainable payout ratio.

PCB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP38.28%

EPS Next 2Y22.85%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

PCB BANCORP

NASDAQ:PCB (8/29/2025, 8:00:00 PM)

After market: 22.1 0 (0%)

22.1

-0.03 (-0.14%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-22 2025-10-22/amc

Inst Owners39.29%

Inst Owner Change-1.12%

Ins Owners20.28%

Ins Owner Change5.53%

Market Cap317.13M

Analysts48

Price Target23.72 (7.33%)

Short Float %0.53%

Short Ratio1.92

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.62%

Yearly Dividend0.77

Dividend Growth(5Y)25.29%

DP38.28%

Div Incr Years6

Div Non Decr Years9

Ex-Date08-08 2025-08-08 (0.2)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)8.44%

Min EPS beat(2)8.05%

Max EPS beat(2)8.84%

EPS beat(4)3

Avg EPS beat(4)7.76%

Min EPS beat(4)-1.28%

Max EPS beat(4)15.44%

EPS beat(8)4

Avg EPS beat(8)-1.66%

EPS beat(12)6

Avg EPS beat(12)-0.76%

EPS beat(16)9

Avg EPS beat(16)1.89%

Revenue beat(2)2

Avg Revenue beat(2)0.89%

Min Revenue beat(2)0.75%

Max Revenue beat(2)1.03%

Revenue beat(4)3

Avg Revenue beat(4)0.02%

Min Revenue beat(4)-1.74%

Max Revenue beat(4)1.03%

Revenue beat(8)4

Avg Revenue beat(8)-1.61%

Revenue beat(12)4

Avg Revenue beat(12)-2.49%

Revenue beat(16)6

Avg Revenue beat(16)-1.86%

PT rev (1m)3.33%

PT rev (3m)5.68%

EPS NQ rev (1m)3.9%

EPS NQ rev (3m)17.15%

EPS NY rev (1m)1.02%

EPS NY rev (3m)0.77%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)7.08%

Revenue NY rev (1m)0.8%

Revenue NY rev (3m)2.15%

Valuation

		Industry Rank	Sector Rank
PE	10.38
Fwd PE	8.42
P/S	2.94
P/FCF	14.78
P/OCF	13.58
P/B	0.84
P/tB	0.84
EV/EBITDA	N/A

EPS(TTM)2.13

EY9.64%

EPS(NY)2.63

Fwd EY11.88%

FCF(TTM)1.5

FCFY6.77%

OCF(TTM)1.63

OCFY7.36%

SpS7.5

BVpS26.24

TBVpS26.24

PEG (NY)0.32

PEG (5Y)3.15

Profitability

		Industry Rank	Sector Rank
ROA	0.93%
ROE	8.15%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.48%
GM	N/A
FCFM	19.92%

ROA(3y)1.12%

ROA(5y)1.21%

ROE(3y)8.67%

ROE(5y)9.69%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-15.73%

PM growth 5Y-3.44%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	83.74%
Cap/Sales	1.76%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	69.96%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC25.9%

ROIC/WACCN/A

Cap/Depr(3y)193.93%

Cap/Depr(5y)146.48%

Cap/Sales(3y)3.55%

Cap/Sales(5y)2.68%

Profit Quality(3y)163.86%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)28.31%

EPS 3Y-12.75%

EPS 5Y3.29%

EPS Q2Q%44.19%

EPS Next Y32.05%

EPS Next 2Y22.85%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)10.41%

Revenue growth 3Y1.45%

Revenue growth 5Y4.27%

Sales Q2Q%20.92%

Revenue Next Year17.3%

Revenue Next 2Y13.24%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-55.51%

FCF growth 3YN/A

FCF growth 5Y3.49%

OCF growth 1Y-56.04%

OCF growth 3YN/A

OCF growth 5Y5.3%

PCB BANCORP (PCB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens