PCB Fundamental Analysis - PCB BANCORP

Fundamental Rating

We assign a fundamental rating of 5 out of 10 to PCB. PCB was compared to 393 industry peers in the Banks industry. While PCB seems to be doing ok healthwise, there are quite some concerns on its profitability. PCB has a correct valuation and a medium growth rate.

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1. Profitability

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.

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

1.2 Ratios

PCB has a Return On Assets (0.87%) which is in line with its industry peers.

PCB has a Return On Equity of 6.86%. This is in the lower half of the industry: PCB underperforms 63.36% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.87%
ROE	6.86%
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

PCB's Profit Margin of 27.17% is fine compared to the rest of the industry. PCB outperforms 71.50% of its industry peers.

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

The Operating Margin and Gross Margin are not available for PCB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	27.17%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

PCB has less shares outstanding than it did 5 years ago.

The debt/assets ratio for PCB is higher compared to a year ago.

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

ROIC/WACCN/A

WACC26.96%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 10.24% over the past year.

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

The Revenue has grown by 10.41% in the past year. This is quite good.

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)10.24%

EPS 3Y-12.75%

EPS 5Y3.29%

EPS Q2Q%-25.58%

Revenue 1Y (TTM)10.41%

Revenue growth 3Y1.45%

Revenue growth 5Y4.27%

Sales Q2Q%20.92%

3.2 Future

The Earnings Per Share is expected to grow by 20.89% on average over the next years. This is a very strong growth

The Revenue is expected to grow by 12.71% on average over the next years. This is quite good.

EPS Next Y30.72%

EPS Next 2Y20.89%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year16.36%

Revenue Next 2Y12.71%

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 accelerating.

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

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.41, the valuation of PCB can be described as reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of PCB is on the same level as its industry peers.

PCB is valuated cheaply when we compare the Price/Earnings ratio to 27.61, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 8.21 indicates a reasonable valuation of PCB.

Compared to the rest of the industry, the Price/Forward Earnings ratio of PCB indicates a somewhat cheap valuation: PCB is cheaper than 76.08% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 37.13. PCB is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	11.41
Fwd PE	8.21

4.2 Price Multiples

62.60% of the companies in the same industry are more expensive than PCB, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	9.8
EV/EBITDA	N/A

4.3 Compensation for Growth

PCB's 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 20.89% in the coming years.

PEG (NY)0.37

PEG (5Y)3.47

EPS Next 2Y20.89%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.73%, PCB has a reasonable but not impressive dividend return.

PCB's Dividend Yield is a higher than the industry average which is at 3.36.

PCB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.

		Industry Rank	Sector Rank
Dividend Yield	3.73%

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 41.03% of its income as dividend. This is a bit on the high side, but may be sustainable.

The dividend of PCB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP41.03%

EPS Next 2Y20.89%

EPS Next 3YN/A

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PCB BANCORP

NASDAQ:PCB (7/30/2025, 8:00:01 PM)

After market: 20.88 0 (0%)

20.88

-0.53 (-2.48%)

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 Owners38.96%

Inst Owner Change0.2%

Ins Owners20.12%

Ins Owner Change5.53%

Market Cap298.79M

Analysts48

Price Target22.95 (9.91%)

Short Float %0.54%

Short Ratio1.82

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.73%

Yearly Dividend0.77

Dividend Growth(5Y)25.29%

DP41.03%

Div Incr Years6

Div Non Decr Years9

Ex-Date05-09 2025-05-09 (0.2)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)3.39%

Min EPS beat(2)-1.28%

Max EPS beat(2)8.05%

EPS beat(4)3

Avg EPS beat(4)6.02%

Min EPS beat(4)-1.28%

Max EPS beat(4)15.44%

EPS beat(8)4

Avg EPS beat(8)-2.63%

EPS beat(12)5

Avg EPS beat(12)-2.08%

EPS beat(16)9

Avg EPS beat(16)3.18%

Revenue beat(2)2

Avg Revenue beat(2)0.4%

Min Revenue beat(2)0.05%

Max Revenue beat(2)0.75%

Revenue beat(4)2

Avg Revenue beat(4)-1.22%

Min Revenue beat(4)-3.95%

Max Revenue beat(4)0.75%

Revenue beat(8)3

Avg Revenue beat(8)-2.36%

Revenue beat(12)3

Avg Revenue beat(12)-3%

Revenue beat(16)6

Avg Revenue beat(16)-1.56%

PT rev (1m)2.27%

PT rev (3m)7.14%

EPS NQ rev (1m)0%

EPS NQ rev (3m)14.87%

EPS NY rev (1m)-0.25%

EPS NY rev (3m)10.59%

Revenue NQ rev (1m)0.23%

Revenue NQ rev (3m)5.38%

Revenue NY rev (1m)0.17%

Revenue NY rev (3m)3.52%

Valuation

		Industry Rank	Sector Rank
PE	11.41
Fwd PE	8.21
P/S	2.91
P/FCF	9.8
P/OCF	9.03
P/B	0.73
P/tB	0.73
EV/EBITDA	N/A

EPS(TTM)1.83

EY8.76%

EPS(NY)2.54

Fwd EY12.18%

FCF(TTM)2.13

FCFY10.2%

OCF(TTM)2.31

OCFY11.07%

SpS7.17

BVpS28.42

TBVpS28.42

PEG (NY)0.37

PEG (5Y)3.47

Profitability

		Industry Rank	Sector Rank
ROA	0.87%
ROE	6.86%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.17%
GM	N/A
FCFM	29.7%

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-Score7

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	114.97%
Cap/Sales	2.54%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	109.31%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC26.96%

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)10.24%

EPS 3Y-12.75%

EPS 5Y3.29%

EPS Q2Q%-25.58%

EPS Next Y30.72%

EPS Next 2Y20.89%

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 Year16.36%

Revenue Next 2Y12.71%

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-25.8%

FCF growth 3YN/A

FCF growth 5Y3.49%

OCF growth 1Y-28.58%

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