PCB BANCORP (PCB)

US69320M1099 - Common Stock

15.47  +0.25 (+1.64%)

After market: 15.47 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to PCB. PCB was compared to 411 industry peers in the Banks industry. PCB has an average financial health and profitability rating. PCB has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally PCB also has an excellent dividend rating.



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4

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

1.2 Ratios

Looking at the Return On Assets, with a value of 1.10%, PCB is in the better half of the industry, outperforming 69.59% of the companies in the same industry.
With a Return On Equity value of 8.77%, PCB perfoms like the industry average, outperforming 47.20% of the companies in the same industry.
Industry RankSector Rank
ROA 1.1%
ROE 8.77%
ROIC N/A
ROA(3y)1.46%
ROA(5y)1.32%
ROE(3y)11.57%
ROE(5y)10.45%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

The Profit Margin of PCB (30.85%) is better than 80.29% of its industry peers.
In the last couple of years the Profit Margin of PCB has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for PCB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 30.85%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.3%
PM growth 5Y-0.65%
GM growth 3YN/A
GM growth 5YN/A

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5

2. Health

2.1 Basic Checks

PCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PCB has less shares outstanding
Compared to 5 years ago, PCB has less shares outstanding
PCB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

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
WACC21.91%

2.3 Liquidity

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

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2

3. Growth

3.1 Past

The earnings per share for PCB have decreased by -8.23% in the last year.
Measured over the past 5 years, PCB shows a small growth in Earnings Per Share. The EPS has been growing by 5.17% on average per year.
The Revenue has decreased by -4.76% in the past year.
The Revenue has been growing slightly by 5.41% on average over the past years.
EPS 1Y (TTM)-8.23%
EPS 3Y26.39%
EPS 5Y5.17%
EPS growth Q2Q-29.31%
Revenue 1Y (TTM)-4.76%
Revenue growth 3Y8.39%
Revenue growth 5Y5.41%
Revenue growth Q2Q-8.38%

3.2 Future

Based on estimates for the next years, PCB will show a decrease in Earnings Per Share. The EPS will decrease by -7.29% on average per year.
PCB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.55% yearly.
EPS Next Y-18.44%
EPS Next 2Y-7.29%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.94%
Revenue Next 2Y4.55%
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.

More info and screens

6

4. Valuation

4.1 Price/Earnings Ratio

PCB is valuated cheaply with a Price/Earnings ratio of 7.30.
Based on the Price/Earnings ratio, PCB is valued cheaper than 84.67% of the companies in the same industry.
When comparing the Price/Earnings ratio of PCB to the average of the S&P500 Index (24.92), we can say PCB is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.95, the valuation of PCB can be described as very reasonable.
Based on the Price/Forward Earnings ratio, PCB is valued a bit cheaper than the industry average as 72.99% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 21.49. PCB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.3
Fwd PE 8.95

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, PCB is valued cheaply inside the industry as 93.92% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.56
EV/EBITDA N/A

4.3 Compensation for Growth

PCB's earnings are expected to decrease with -7.29% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.41
EPS Next 2Y-7.29%
EPS Next 3YN/A

More info and screens

8

5. Dividend

5.1 Amount

PCB has a Yearly Dividend Yield of 4.73%, which is a nice return.
PCB's Dividend Yield is a higher than the industry average which is at 3.82.
PCB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
Industry RankSector Rank
Dividend Yield 4.73%

5.2 History

On average, the dividend of PCB grows each year by 33.89%, which is quite nice.
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)33.89%
Div Incr Years5
Div Non Decr Years5

5.3 Sustainability

PCB pays out 32.38% of its income as dividend. This is a sustainable payout ratio.
DP32.38%
EPS Next 2Y-7.29%
EPS Next 3YN/A

More info and screens

PCB BANCORP

NASDAQ:PCB (4/26/2024, 7:09:02 PM)

After market: 15.47 0 (0%)

15.47

+0.25 (+1.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap220.60M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 4.73%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 7.3
Fwd PE 8.95
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.41
Profitability
Industry RankSector Rank
ROA 1.1%
ROE 8.77%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 30.85%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-8.23%
EPS 3Y26.39%
EPS 5Y
EPS growth Q2Q
EPS Next Y-18.44%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-4.76%
Revenue growth 3Y8.39%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y