PCB BANCORP (PCB) Stock Fundamental Analysis
USA - NASDAQ:PCB - US69320M1099 - Common Stock
22.01 USD
+0.38 (+1.76%)
Taking everything into account, PCB scores 5 out of 10 in our fundamental rating. PCB was compared to 388 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 has a decent growth rate and is not valued too expensively. Finally PCB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year PCB was profitable.
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.
1.2 Ratios
PCB has a Return On Assets of 0.93%. This is comparable to the rest of the industry: PCB outperforms 55.41% of its industry peers.
PCB has a Return On Equity of 8.15%. This is comparable to the rest of the industry: PCB outperforms 46.91% 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
The Profit Margin of PCB (28.48%) is better than 75.26% 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) | 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
2. Health
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 increased compared to 1 year ago.
The number of shares outstanding for PCB has been reduced compared to 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
WACC26.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 41.42% over the past year.
The Earnings Per Share has been growing slightly by 3.29% on average over the past years.
Looking at the last year, PCB shows a small growth in Revenue. The Revenue has grown by 0.53% in the last year.
The Revenue has been growing slightly by 4.27% on average over the past years.
EPS 1Y (TTM)41.42%
EPS 3Y-12.75%
EPS 5Y3.29%
EPS Q2Q%50%
Revenue 1Y (TTM)0.53%
Revenue growth 3Y1.45%
Revenue growth 5Y4.27%
Sales Q2Q%19.94%
3.2 Future
The Earnings Per Share is expected to grow by 19.78% on average over the next years. This is quite good.
PCB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.48% yearly.
EPS Next Y48.23%
EPS Next 2Y24.74%
EPS Next 3Y19.78%
EPS Next 5YN/A
Revenue Next Year16.29%
Revenue Next 2Y12.41%
Revenue Next 3Y11.48%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.21 indicates a reasonable valuation of PCB.
Based on the Price/Earnings ratio, PCB is valued cheaper than 84.54% of the companies in the same industry.
PCB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.06.
A Price/Forward Earnings ratio of 8.13 indicates a reasonable valuation of PCB.
82.47% of the companies in the same industry are more expensive than PCB, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 32.73. PCB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.21 | ||
| Fwd PE | 8.13 |
4.2 Price Multiples
PCB's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.72 | ||
| 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 19.78% in the coming years.
PEG (NY)0.19
PEG (5Y)2.8
EPS Next 2Y24.74%
EPS Next 3Y19.78%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.72%, PCB has a reasonable but not impressive dividend return.
PCB's Dividend Yield is a higher than the industry average which is at 3.38.
Compared to an average S&P500 Dividend Yield of 2.36, PCB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.72% |
5.2 History
The dividend of PCB is nicely growing with an annual growth rate of 25.29%!
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 2Y24.74%
EPS Next 3Y19.78%
NASDAQ:PCB (11/10/2025, 4:30:00 PM)
22.01
+0.38 (+1.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners41.23%
Inst Owner Change-1.17%
Ins Owners20.02%
Ins Owner Change4.49%
Market Cap315.84M
Revenue(TTM)99.71M
Net Income(TTM)30.67M
Analysts48
Price Target24.99 (13.54%)
Short Float %0.56%
Short Ratio2.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.72% |
Yearly Dividend0.77
Dividend Growth(5Y)25.29%
DP38.28%
Div Incr Years6
Div Non Decr Years9
Ex-Date
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)5.38%
PT rev (3m)5.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.9%
EPS NY rev (1m)8.82%
EPS NY rev (3m)13.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.86%
Revenue NY rev (3m)-0.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.21 | ||
| Fwd PE | 8.13 | ||
| P/S | 2.93 | ||
| P/FCF | 14.72 | ||
| P/OCF | 13.52 | ||
| P/B | 0.84 | ||
| P/tB | 0.84 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.39
EY10.86%
EPS(NY)2.71
Fwd EY12.3%
FCF(TTM)1.5
FCFY6.79%
OCF(TTM)1.63
OCFY7.39%
SpS7.5
BVpS26.24
TBVpS26.24
PEG (NY)0.19
PEG (5Y)2.8
Graham Number37.56
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
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 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
WACC26.13%
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)41.42%
EPS 3Y-12.75%
EPS 5Y3.29%
EPS Q2Q%50%
EPS Next Y48.23%
EPS Next 2Y24.74%
EPS Next 3Y19.78%
EPS Next 5YN/A
Revenue 1Y (TTM)0.53%
Revenue growth 3Y1.45%
Revenue growth 5Y4.27%
Sales Q2Q%19.94%
Revenue Next Year16.29%
Revenue Next 2Y12.41%
Revenue Next 3Y11.48%
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 FAQ
What is the fundamental rating for PCB stock?
ChartMill assigns a fundamental rating of 5 / 10 to PCB.
Can you provide the valuation status for PCB BANCORP?
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 3 / 10.
Can you provide the financial health for PCB stock?
The financial health rating of PCB BANCORP (PCB) is 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 48.23% in the next year.