Want to see PCB full AI Analyst Report?
Top Page
PCB Bancorp
(NASDAQ:PCB)
Select Model
Select Model
Rating:82Outperform
Price Target:
$33.00
â–²(36.19% Upside)
Action:Reiterated
Date:05/10/26
The score is driven primarily by solid financial performance (profitability, conservative leverage, and improving recent momentum) and supportive technicals (price above major moving averages with positive MACD). An attractive valuation (low P/E and ~3.4% yield) provides an additional boost, while margin compression and historical cash-flow volatility temper the result.
Positive Factors
Conservative leverage / strong balance sheet
A low debt-to-equity (~0.17 TTM) and steady equity and asset growth provide lasting financial flexibility. This conservative capital structure reduces refinancing risk, supports lending capacity through cycles, and underpins the bank's ability to absorb credit shocks over the next 2–6 months and beyond.
Negative Factors
Margin compression versus prior cycle
Material margin compression from peak 2021–2022 levels reduces earnings leverage to revenue and limits upside from similar revenue growth. If structural funding or yield pressures persist, margin headwinds could constrain net income expansion and return metrics over the coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage / strong balance sheet
A low debt-to-equity (~0.17 TTM) and steady equity and asset growth provide lasting financial flexibility. This conservative capital structure reduces refinancing risk, supports lending capacity through cycles, and underpins the bank's ability to absorb credit shocks over the next 2–6 months and beyond.
Read all positive factors
PCB Bancorp (PCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$407.54M
Dividend Yield3.57%
Average Volume (3M)25.00K
Price to Earnings (P/E)10.2
Beta (1Y)0.79
Revenue Growth8.84%
EPS Growth43.25%
CountryUS
Employees262
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.82
Shares Outstanding14,234,723
10 Day Avg. Volume33,782
30 Day Avg. Volume25,005
Financial Highlights & Ratios
PEG Ratio0.17
Price to Book (P/B)0.79
Price to Sales (P/S)1.47
P/FCF Ratio12.61
Enterprise Value/Market Cap1.02
Enterprise Value/Revenue1.96
Enterprise Value/Gross Profit3.58
Enterprise Value/Ebitda6.85
Forecast
1Y Price Target
$26.00Price Target Upside7.30% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)2.91
Revenue Forecast (FY)$125.80M
PCB Bancorp Business Overview & Revenue Model
Company Description
PCB Bancorp operates as the bank holding company for PCB Bank that provides various banking products and services to small and middle market businesses and individuals in the United States. The company offers demand, savings, money market, time de...
How the Company Makes Money
PCB Bancorp primarily makes money through its bank subsidiary by earning interest income on loans and investment securities and paying interest on deposits and other funding sources, with the difference recorded as net interest income. Key interes...
PCB Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
84
Very Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 212.10M | 209.37M | 191.91M | 161.86M | 116.25M | 99.91M |
| Gross Profit | 116.14M | 111.69M | 96.31M | 99.32M | 100.53M | 100.17M |
| EBITDA | 60.72M | 56.78M | 40.30M | 47.33M | 53.13M | 60.34M |
| Net Income | 40.37M | 37.45M | 25.81M | 30.70M | 34.99M | 40.10M |
Balance Sheet | ||||||
| Total Assets | 3.40B | 3.28B | 3.06B | 2.79B | 2.42B | 2.15B |
| Cash, Cash Equivalents and Short-Term Investments | 195.26M | 185.33M | 345.14M | 385.67M | 288.89M | 326.48M |
| Total Debt | 68.30M | 71.99M | 33.67M | 59.14M | 26.81M | 17.44M |
| Total Liabilities | 3.00B | 2.89B | 2.70B | 2.44B | 2.08B | 1.89B |
| Stockholders Equity | 396.72M | 390.03M | 363.81M | 348.87M | 335.44M | 256.29M |
Cash Flow | ||||||
| Free Cash Flow | 43.45M | 24.40M | 34.91M | 62.03M | 51.81M | -2.05M |
| Operating Cash Flow | 44.92M | 26.59M | 38.98M | 63.34M | 57.27M | -1.62M |
| Investing Cash Flow | -168.66M | -200.14M | -311.74M | -275.27M | -356.67M | -175.22M |
| Financing Cash Flow | 176.80M | 181.90M | 229.20M | 307.24M | 243.14M | 186.03M |
PCB Bancorp Technical Analysis
Positive
24.23
Price Trends
25.72
Positive
24.20
Positive
22.77
Positive
Market Momentum
0.93
Positive
68.91
Neutral
61.39
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PCB, the sentiment is Positive. The current price of 24.23 is below the 20-day moving average (MA) of 27.64, below the 50-day MA of 25.72, and above the 200-day MA of 22.77, indicating a bullish trend. The MACD of 0.93 indicates Positive momentum. The RSI at 68.91 is Neutral, neither overbought nor oversold. The STOCH value of 61.39 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PCB.
PCB Bancorp Risk Analysis
PCB Bancorp disclosed 41 risk factors in its most recent earnings report. PCB Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
PCB Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
82 Outperform | $407.54M | 10.23 | 10.43% | 3.57% | 8.84% | 43.25% | |
76 Outperform | $403.11M | 12.16 | 13.34% | 2.63% | 21.59% | -4.49% | |
73 Outperform | $423.59M | 12.53 | 8.83% | 2.55% | 12.81% | 11.31% | |
73 Outperform | $316.68M | 9.88 | 10.88% | 3.17% | 5.91% | -1.54% | |
68 Neutral | $378.19M | 10.20 | 13.08% | 5.24% | 5.29% | 28.67% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | $352.94M | 11.81 | 8.48% | 3.59% | 3.42% | 63.88% |
* Financial Sector Average
PCB
PCB Bancorp
28.81
7.87
37.58%
CBAN
Colony Bankcorp
20.11
3.13
18.44%
FNLC
First Bancorp
33.45
8.93
36.43%
PLBC
Plumas Bancorp
58.24
13.82
31.12%
WSBF
Waterstone Financial
19.76
6.78
52.19%
FSBW
FS Bancorp
43.13
2.36
5.79%
PCB Bancorp Corporate Events
DividendsFinancial Disclosures
PCB Bancorp Posts Strong Q1 2026 Earnings Growth
Positive
Apr 23, 2026
On April 23, 2026, PCB Bancorp reported that first-quarter 2026 net income available to common shareholders rose to $10.6 million, or $0.74 per diluted share, up from $9.1 million in the prior quarter and $7.7 million a year earlier, driven by hig...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.