PCB BANCORP (PCB) Fundamental Analysis & Valuation

NASDAQ:PCB • US69320M1099

Current stock price

24.23 USD
+0.25 (+1.04%)
Last:

This PCB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. PCB Profitability Analysis

1.1 Basic Checks

  • PCB had positive earnings in the past year.
  • In the past year PCB had a positive cash flow from operations.
  • In the past 5 years PCB has always been profitable.
  • Of the past 5 years PCB 4 years had a positive operating cash flow.
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 2025 0 20M 40M 60M

1.2 Ratios

  • With a decent Return On Assets value of 1.12%, PCB is doing good in the industry, outperforming 65.52% of the companies in the same industry.
  • With a Return On Equity value of 9.45%, PCB perfoms like the industry average, outperforming 51.46% of the companies in the same industry.
Industry RankSector Rank
ROA 1.12%
ROE 9.45%
ROIC N/A
ROA(3y)1.01%
ROA(5y)1.27%
ROE(3y)8.36%
ROE(5y)10.2%
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 2025 5 10 15

1.3 Margins

  • PCB's Profit Margin of 31.85% is amongst the best of the industry. PCB outperforms 81.70% of its industry peers.
  • In the last couple of years the Profit Margin of PCB has grown nicely.
  • 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) 31.85%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.6%
PM growth 5Y9.04%
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 2025 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. PCB Health Analysis

2.1 Basic Checks

  • PCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for PCB has been reduced compared to 1 year ago.
  • PCB has less shares outstanding than it did 5 years ago.
  • PCB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
PCB Yearly Shares OutstandingPCB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 1B 2B 3B

2.2 Solvency

  • PCB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC26.27%
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 2025 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 2025 20M 40M 60M 80M

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

6

3. PCB Growth Analysis

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.
  • Looking at the last year, PCB shows a quite strong growth in Revenue. The Revenue has grown by 16.05% in the last year.
  • Measured over the past years, PCB shows a quite strong growth in Revenue. The Revenue has been growing by 8.24% on average per year.
EPS 1Y (TTM)47.7%
EPS 3Y3.62%
EPS 5Y19.6%
EPS Q2Q%39.13%
Revenue 1Y (TTM)16.05%
Revenue growth 3Y3.59%
Revenue growth 5Y8.24%
Sales Q2Q%11.31%

3.2 Future

  • PCB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.67% yearly.
  • The Revenue is expected to grow by 8.79% on average over the next years. This is quite good.
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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
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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5

4. PCB Valuation Analysis

4.1 Price/Earnings Ratio

  • PCB is valuated reasonably with a Price/Earnings ratio of 9.43.
  • 88.33% of the companies in the same industry are more expensive than PCB, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of PCB to the average of the S&P500 Index (27.87), we can say PCB is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.82, which indicates a very decent valuation of PCB.
  • 84.88% of the companies in the same industry are more expensive than PCB, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of PCB to the average of the S&P500 Index (38.51), we can say PCB is valued rather cheaply.
Industry RankSector Rank
PE 9.43
Fwd PE 8.82
PCB Price Earnings VS Forward Price EarningsPCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as PCB.
Industry RankSector Rank
P/FCF 14.13
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)1.37
PEG (5Y)0.48
EPS Next 2Y7.67%
EPS Next 3YN/A

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

7

5. PCB Dividend Analysis

5.1 Amount

  • PCB has a Yearly Dividend Yield of 3.61%. 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 2.54.
  • PCB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.61%

5.2 History

  • The dividend of PCB is nicely growing with an annual growth rate of 15.86%!
  • PCB has paid a dividend for at least 10 years, which is a reliable track record.
  • PCB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)15.86%
Div Incr Years7
Div Non Decr Years10
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

  • 32.05% of the earnings are spent on dividend by PCB. This is a low number and sustainable payout ratio.
  • PCB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP32.05%
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 2025 0 20M 40M 60M
PCB Dividend Payout.PCB Dividend Payout, showing the Payout Ratio.PCB Dividend Payout.PayoutRetained Earnings

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PCB Fundamentals: All Metrics, Ratios and Statistics

PCB BANCORP

NASDAQ:PCB (4/17/2026, 4:30:01 PM)

24.23

+0.25 (+1.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-23
Inst Owners41.43%
Inst Owner Change0%
Ins Owners20.34%
Ins Owner Change2.18%
Market Cap344.79M
Revenue(TTM)115.71M
Net Income(TTM)36.86M
Analysts48
Price Target25.76 (6.31%)
Short Float %1.39%
Short Ratio5.91
Dividend
Industry RankSector Rank
Dividend Yield 3.61%
Yearly Dividend0.83
Dividend Growth(5Y)15.86%
DP32.05%
Div Incr Years7
Div Non Decr Years10
Ex-Date02-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.66%
Min EPS beat(2)5.32%
Max EPS beat(2)28%
EPS beat(4)4
Avg EPS beat(4)12.55%
Min EPS beat(4)5.32%
Max EPS beat(4)28%
EPS beat(8)6
Avg EPS beat(8)4.95%
EPS beat(12)8
Avg EPS beat(12)5.74%
EPS beat(16)9
Avg EPS beat(16)1.96%
Revenue beat(2)0
Avg Revenue beat(2)-1.17%
Min Revenue beat(2)-1.76%
Max Revenue beat(2)-0.58%
Revenue beat(4)2
Avg Revenue beat(4)-0.14%
Min Revenue beat(4)-1.76%
Max Revenue beat(4)1.03%
Revenue beat(8)3
Avg Revenue beat(8)-1.56%
Revenue beat(12)4
Avg Revenue beat(12)-1.79%
Revenue beat(16)5
Avg Revenue beat(16)-2.27%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.36%
EPS NY rev (1m)0%
EPS NY rev (3m)1.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.77%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.13%
Valuation
Industry RankSector Rank
PE 9.43
Fwd PE 8.82
P/S 2.98
P/FCF 14.13
P/OCF 12.97
P/B 0.88
P/tB 0.88
EV/EBITDA N/A
EPS(TTM)2.57
EY10.61%
EPS(NY)2.75
Fwd EY11.34%
FCF(TTM)1.71
FCFY7.08%
OCF(TTM)1.87
OCFY7.71%
SpS8.13
BVpS27.41
TBVpS27.41
PEG (NY)1.37
PEG (5Y)0.48
Graham Number39.8109 (64.3%)
Profitability
Industry RankSector Rank
ROA 1.12%
ROE 9.45%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.85%
GM N/A
FCFM 21.08%
ROA(3y)1.01%
ROA(5y)1.27%
ROE(3y)8.36%
ROE(5y)10.2%
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-1.6%
PM growth 5Y9.04%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 99.1%
Cap/Sales 1.9%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 66.19%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC26.27%
ROIC/WACCN/A
Cap/Depr(3y)113.42%
Cap/Depr(5y)142.41%
Cap/Sales(3y)2.44%
Cap/Sales(5y)2.6%
Profit Quality(3y)136.29%
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)16.05%
Revenue growth 3Y3.59%
Revenue growth 5Y8.24%
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-30.12%
FCF growth 3Y-22.21%
FCF growth 5Y9.77%
OCF growth 1Y-31.8%
OCF growth 3Y-22.57%
OCF growth 5Y9.24%

PCB BANCORP / PCB Fundamental Analysis FAQ

What is the fundamental rating for PCB stock?

ChartMill assigns a fundamental rating of 5 / 10 to PCB.


What is the valuation status for PCB stock?

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


What is the profitability of PCB stock?

PCB BANCORP (PCB) has a profitability rating of 4 / 10.


What is the expected EPS growth for PCB BANCORP (PCB) stock?

The Earnings per Share (EPS) of PCB BANCORP (PCB) is expected to grow by 6.87% in the next year.


How sustainable is the dividend of PCB BANCORP (PCB) stock?

The dividend rating of PCB BANCORP (PCB) is 7 / 10 and the dividend payout ratio is 32.05%.