PCB BANCORP (PCB) Fundamental Analysis & Valuation

NASDAQ:PCB • US69320M1099

Current stock price

21.81 USD
-0.05 (-0.23%)
Last:

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

2

1. PCB Profitability Analysis

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

  • Looking at the Return On Assets, with a value of 1.02%, PCB is in line with its industry, outperforming 59.58% of the companies in the same industry.
  • PCB's Return On Equity of 8.96% is in line compared to the rest of the industry. PCB outperforms 50.39% of its industry peers.
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 79.00% of its industry peers.
  • 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 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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4

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.
  • 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
WACC26.25%
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. PCB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 47.70% over the past year.
  • PCB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.60% yearly.
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.
  • PCB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.79% yearly.
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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6

4. PCB Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.49, the valuation of PCB can be described as very reasonable.
  • PCB's Price/Earnings ratio is rather cheap when compared to the industry. PCB is cheaper than 89.50% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.96. PCB is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 7.94, which indicates a rather cheap valuation of PCB.
  • 86.88% of the companies in the same industry are more expensive than PCB, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.04, PCB is valued rather cheaply.
Industry RankSector Rank
PE 8.49
Fwd PE 7.94
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

  • PCB's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.04
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

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.24
PEG (5Y)0.43
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

  • With a Yearly Dividend Yield of 3.99%, PCB has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.90, PCB pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.91, PCB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.99%

5.2 History

  • The dividend of PCB is nicely growing with an annual growth rate of 25.29%!
  • PCB has paid a dividend for at least 10 years, which is a reliable track record.
  • PCB has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
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

  • 34.21% of the earnings are spent on dividend by PCB. This is a low number and sustainable payout ratio.
  • The dividend of PCB is growing, but the earnings are growing slower. 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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PCB Fundamentals: All Metrics, Ratios and Statistics

PCB BANCORP

NASDAQ:PCB (3/17/2026, 12:33:24 PM)

21.81

-0.05 (-0.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners41.36%
Inst Owner Change1.44%
Ins Owners20.33%
Ins Owner Change2.18%
Market Cap310.36M
Revenue(TTM)N/A
Net Income(TTM)34.45M
Analysts48
Price Target25.76 (18.11%)
Short Float %1.25%
Short Ratio5.81
Dividend
Industry RankSector Rank
Dividend Yield 3.99%
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 8.49
Fwd PE 7.94
P/S 2.75
P/FCF 12.04
P/OCF 11.13
P/B 0.81
P/tB 0.81
EV/EBITDA N/A
EPS(TTM)2.57
EY11.78%
EPS(NY)2.75
Fwd EY12.59%
FCF(TTM)1.81
FCFY8.3%
OCF(TTM)1.96
OCFY8.99%
SpS7.92
BVpS27.02
TBVpS27.02
PEG (NY)1.24
PEG (5Y)0.43
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
WACC26.25%
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 Fundamental Analysis 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 6 / 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 2 / 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%.