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PCB BANCORP (PCB) Stock Fundamental Analysis

NASDAQ:PCB - Nasdaq - US69320M1099 - Common Stock - Currency: USD

21.51  -0.11 (-0.51%)

After market: 21.51 0 (0%)

Fundamental Rating

4

Taking everything into account, PCB scores 4 out of 10 in our fundamental rating. PCB was compared to 396 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.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year PCB was profitable.
PCB had a positive operating cash flow in the past year.
Each year in the past 5 years PCB has 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 0 20M 40M 60M

1.2 Ratios

PCB has a Return On Assets (0.81%) which is in line with its industry peers.
The Return On Equity of PCB (6.85%) is worse than 63.89% of its industry peers.
Industry RankSector Rank
ROA 0.81%
ROE 6.85%
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's Profit Margin of 25.00% is in line compared to the rest of the industry. PCB outperforms 57.58% 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) 25%
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. 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.
Compared to 1 year ago, PCB has a worse debt to assets ratio.
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

PCB has a debt to FCF ratio of 0.43. This is a very positive value and a sign of high solvency as it would only need 0.43 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.43, PCB belongs to the best of the industry, outperforming 83.59% of the companies in the same industry.
A Debt/Equity ratio of 0.04 indicates that PCB is not too dependend on debt financing.
PCB has a Debt to Equity ratio of 0.04. This is amongst the best in the industry. PCB outperforms 82.32% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.43
Altman-Z N/A
ROIC/WACCN/A
WACC26.51%
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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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 10.86% over the past year.
The Earnings Per Share has been growing slightly by 3.29% on average over the past years.
The Revenue has been growing slightly by 5.04% in the past year.
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)10.86%
EPS 3Y-12.75%
EPS 5Y3.29%
EPS Q2Q%60.61%
Revenue 1Y (TTM)5.04%
Revenue growth 3Y1.45%
Revenue growth 5Y4.27%
Sales Q2Q%12.19%

3.2 Future

PCB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.89% yearly.
PCB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.10% yearly.
EPS Next Y30.72%
EPS Next 2Y20.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year15.02%
Revenue Next 2Y12.1%
Revenue Next 3YN/A
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.
The Revenue growth rate is accelerating: in the next years the growth will be better 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 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 0.5 1 1.5 2 2.5

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.09 indicates a reasonable valuation of PCB.
71.21% of the companies in the same industry are more expensive than PCB, based on the Price/Earnings ratio.
PCB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.53.
A Price/Forward Earnings ratio of 8.46 indicates a reasonable valuation of PCB.
Based on the Price/Forward Earnings ratio, PCB is valued a bit cheaper than the industry average as 77.53% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of PCB to the average of the S&P500 Index (36.71), we can say PCB is valued rather cheaply.
Industry RankSector Rank
PE 11.09
Fwd PE 8.46
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

Based on the Price/Free Cash Flow ratio, PCB is valued a bit cheaper than the industry average as 77.02% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.82
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PCB's earnings are expected to grow with 20.89% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.36
PEG (5Y)3.37
EPS Next 2Y20.89%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

PCB has a Yearly Dividend Yield of 3.70%.
PCB's Dividend Yield is a higher than the industry average which is at 3.29.
Compared to an average S&P500 Dividend Yield of 2.34, PCB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.7%

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.
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
PCB Yearly Dividends per sharePCB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

44.30% of the earnings are spent on dividend by PCB. This is a bit on the high side, but may be sustainable.
PCB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP44.3%
EPS Next 2Y20.89%
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 BANCORP

NASDAQ:PCB (7/22/2025, 8:00:00 PM)

After market: 21.51 0 (0%)

21.51

-0.11 (-0.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-24 2025-07-24/amc
Inst Owners38.96%
Inst Owner Change0.04%
Ins Owners20.12%
Ins Owner Change4.13%
Market Cap307.81M
Analysts48
Price Target22.95 (6.69%)
Short Float %0.68%
Short Ratio2.02
Dividend
Industry RankSector Rank
Dividend Yield 3.7%
Yearly Dividend0.77
Dividend Growth(5Y)25.29%
DP44.3%
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)7.08%
Min EPS beat(2)-1.28%
Max EPS beat(2)15.44%
EPS beat(4)2
Avg EPS beat(4)-2.65%
Min EPS beat(4)-26.63%
Max EPS beat(4)15.44%
EPS beat(8)4
Avg EPS beat(8)2.34%
EPS beat(12)5
Avg EPS beat(12)-1.58%
EPS beat(16)9
Avg EPS beat(16)5.14%
Revenue beat(2)1
Avg Revenue beat(2)-0.85%
Min Revenue beat(2)-1.74%
Max Revenue beat(2)0.05%
Revenue beat(4)1
Avg Revenue beat(4)-2.98%
Min Revenue beat(4)-6.3%
Max Revenue beat(4)0.05%
Revenue beat(8)2
Avg Revenue beat(8)-2.61%
Revenue beat(12)3
Avg Revenue beat(12)-2.98%
Revenue beat(16)6
Avg Revenue beat(16)-1.51%
PT rev (1m)2.27%
PT rev (3m)2.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.25%
EPS NY rev (3m)10.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)3.52%
Valuation
Industry RankSector Rank
PE 11.09
Fwd PE 8.46
P/S 3.09
P/FCF 8.82
P/OCF 7.9
P/B 0.85
P/tB 0.85
EV/EBITDA N/A
EPS(TTM)1.94
EY9.02%
EPS(NY)2.54
Fwd EY11.82%
FCF(TTM)2.44
FCFY11.34%
OCF(TTM)2.72
OCFY12.67%
SpS6.97
BVpS25.42
TBVpS25.42
PEG (NY)0.36
PEG (5Y)3.37
Profitability
Industry RankSector Rank
ROA 0.81%
ROE 6.85%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25%
GM N/A
FCFM 35.01%
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-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.43
Debt/EBITDA N/A
Cap/Depr 180.95%
Cap/Sales 4.09%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 140.04%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC26.51%
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)10.86%
EPS 3Y-12.75%
EPS 5Y3.29%
EPS Q2Q%60.61%
EPS Next Y30.72%
EPS Next 2Y20.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.04%
Revenue growth 3Y1.45%
Revenue growth 5Y4.27%
Sales Q2Q%12.19%
Revenue Next Year15.02%
Revenue Next 2Y12.1%
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-43.72%
FCF growth 3YN/A
FCF growth 5Y3.49%
OCF growth 1Y-38.45%
OCF growth 3YN/A
OCF growth 5Y5.3%