PCB BANCORP (PCB) Stock Fundamental Analysis

NASDAQ:PCB • US69320M1099

22.88 USD
-0.19 (-0.82%)
At close: Feb 26, 2026
22.88 USD
0 (0%)
After Hours: 2/26/2026, 4:30:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

PCB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. PCB scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. PCB is not valued too expensively and it also shows a decent growth rate. Finally PCB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year PCB was profitable.
  • PCB had a positive operating cash flow in the past year.
  • PCB had positive earnings in 4 of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: PCB reported negative operating cash flow in multiple years.
PCB Yearly Net Income VS EBIT VS OCF VS FCFPCB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M

1.2 Ratios

  • PCB has a better Return On Assets (1.02%) than 61.74% of its industry peers.
  • PCB has a Return On Equity (8.96%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.02%
ROE 8.96%
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
PCB Yearly ROA, ROE, ROICPCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • PCB has a Profit Margin of 30.55%. This is in the better half of the industry: PCB outperforms 79.42% of its industry peers.
  • PCB's Profit Margin has declined in the last couple of years.
  • PCB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 30.55%
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
PCB Yearly Profit, Operating, Gross MarginsPCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • PCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 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.
PCB Yearly Shares OutstandingPCB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
PCB Yearly Total Debt VS Total AssetsPCB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC25.32%
PCB Yearly LT Debt VS Equity VS FCFPCB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PCB Yearly Current Assets VS Current LiabilitesPCB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • PCB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 47.70%, which is quite impressive.
  • The Earnings Per Share has been growing by 19.60% on average over the past years. This is quite good.
EPS 1Y (TTM)47.7%
EPS 3Y3.62%
EPS 5Y19.6%
EPS Q2Q%39.13%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%11.31%

3.2 Future

  • The Earnings Per Share is expected to grow by 7.67% on average over the next years.
  • Based on estimates for the next years, PCB will show a quite strong growth in Revenue. The Revenue will grow by 8.79% on average per year.
EPS Next Y6.87%
EPS Next 2Y7.67%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.51%
Revenue Next 2Y8.79%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
PCB Yearly Revenue VS EstimatesPCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
PCB Yearly EPS VS EstimatesPCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • PCB is valuated reasonably with a Price/Earnings ratio of 8.90.
  • Compared to the rest of the industry, the Price/Earnings ratio of PCB indicates a rather cheap valuation: PCB is cheaper than 90.24% of the companies listed in the same industry.
  • PCB is valuated cheaply when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 8.33, the valuation of PCB can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, PCB is valued cheaply inside the industry as 89.97% of the companies are valued more expensively.
  • PCB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.13.
Industry RankSector Rank
PE 8.9
Fwd PE 8.33
PCB Price Earnings VS Forward Price EarningsPCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of PCB is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 12.63
EV/EBITDA N/A
PCB Per share dataPCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • PCB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.3
PEG (5Y)0.45
EPS Next 2Y7.67%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • PCB has a Yearly Dividend Yield of 3.82%. Purely for dividend investing, there may be better candidates out there.
  • PCB's Dividend Yield is a higher than the industry average which is at 2.74.
  • PCB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 3.82%

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
PCB Yearly Dividends per sharePCB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • PCB pays out 34.21% 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.
DP34.21%
EPS Next 2Y7.67%
EPS Next 3YN/A
PCB Yearly Income VS Free CF VS DividendPCB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M
PCB Dividend Payout.PCB Dividend Payout, showing the Payout Ratio.PCB Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

PCB BANCORP

NASDAQ:PCB (2/26/2026, 4:30:00 PM)

After market: 22.88 0 (0%)

22.88

-0.19 (-0.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners40.69%
Inst Owner Change1.44%
Ins Owners20.29%
Ins Owner Change2.18%
Market Cap325.58M
Revenue(TTM)N/A
Net Income(TTM)34.45M
Analysts48
Price Target25.76 (12.59%)
Short Float %1.71%
Short Ratio7.46
Dividend
Industry RankSector Rank
Dividend Yield 3.82%
Yearly Dividend0.77
Dividend Growth(5Y)25.29%
DP34.21%
Div Incr Years6
Div Non Decr Years9
Ex-Date02-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)18.42%
Min EPS beat(2)8.84%
Max EPS beat(2)28%
EPS beat(4)3
Avg EPS beat(4)10.9%
Min EPS beat(4)-1.28%
Max EPS beat(4)28%
EPS beat(8)5
Avg EPS beat(8)2.08%
EPS beat(12)7
Avg EPS beat(12)4.26%
EPS beat(16)9
Avg EPS beat(16)2.18%
Revenue beat(2)1
Avg Revenue beat(2)0.23%
Min Revenue beat(2)-0.58%
Max Revenue beat(2)1.03%
Revenue beat(4)3
Avg Revenue beat(4)0.31%
Min Revenue beat(4)-0.58%
Max Revenue beat(4)1.03%
Revenue beat(8)3
Avg Revenue beat(8)-1.75%
Revenue beat(12)4
Avg Revenue beat(12)-2.22%
Revenue beat(16)5
Avg Revenue beat(16)-2.27%
PT rev (1m)0%
PT rev (3m)3.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.28%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 8.9
Fwd PE 8.33
P/S 2.89
P/FCF 12.63
P/OCF 11.68
P/B 0.85
P/tB 0.85
EV/EBITDA N/A
EPS(TTM)2.57
EY11.23%
EPS(NY)2.75
Fwd EY12%
FCF(TTM)1.81
FCFY7.92%
OCF(TTM)1.96
OCFY8.56%
SpS7.92
BVpS27.02
TBVpS27.02
PEG (NY)1.3
PEG (5Y)0.45
Graham Number39.53
Profitability
Industry RankSector Rank
ROA 1.02%
ROE 8.96%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.55%
GM N/A
FCFM 22.86%
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
ROICexgc growth 3YN/A
ROICexgc 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 93.83%
Cap/Sales 1.87%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 74.81%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC25.32%
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)47.7%
EPS 3Y3.62%
EPS 5Y19.6%
EPS Q2Q%39.13%
EPS Next Y6.87%
EPS Next 2Y7.67%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%11.31%
Revenue Next Year8.51%
Revenue Next 2Y8.79%
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-61.04%
FCF growth 3YN/A
FCF growth 5Y3.49%
OCF growth 1Y-60.15%
OCF growth 3YN/A
OCF growth 5Y5.3%

PCB BANCORP / PCB FAQ

What is the fundamental rating for PCB stock?

ChartMill assigns a fundamental rating of 4 / 10 to PCB.


What is the valuation status of PCB BANCORP (PCB) stock?

ChartMill assigns a valuation rating of 5 / 10 to PCB BANCORP (PCB). This can be considered as Fairly Valued.


Can you provide the profitability details for PCB BANCORP?

PCB BANCORP (PCB) has a profitability rating of 3 / 10.


Can you provide the financial health for PCB stock?

The financial health rating of PCB BANCORP (PCB) is 4 / 10.


Can you provide the dividend sustainability for PCB stock?

The dividend rating of PCB BANCORP (PCB) is 7 / 10 and the dividend payout ratio is 34.21%.