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PCB Bancorp
(NASDAQ:PCB)
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Rating:74Outperform
Price Target:
$31.00
â–²(10.40% Upside)
Action:Reiterated
Date:08/07/26
Overall score reflects solid financial performance (profitability and earnings-supported cash flows) and attractive valuation (low P/E plus ~3% yield) as the primary positives. The score is moderated by mixed near-term technicals and modest balance-sheet/earnings variability signals, while the latest corporate update supports stability via dividend continuation and strong reported asset quality.
Positive Factors
Profitability
Sustained TTM net margin near 20% indicates durable operating profitability for a regional bank. This level of margin supports internal funding for growth, dividend continuity and resilient earnings through rate cycles, reflecting efficient core lending and fee businesses.
Negative Factors
Rising Leverage
A notable rise in debt relative to 2024–2025 increases leverage and reduces balance-sheet flexibility. Higher funding obligations can amplify sensitivity to rate shocks, constrain capital actions during stress, and raise funding costs if external markets tighten.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability
Sustained TTM net margin near 20% indicates durable operating profitability for a regional bank. This level of margin supports internal funding for growth, dividend continuity and resilient earnings through rate cycles, reflecting efficient core lending and fee businesses.
Read all positive factors
PCB Bancorp (PCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$396.72M
Dividend Yield3.01%
Average Volume (3M)25.00K
Price to Earnings (P/E)9.5
Beta (1Y)0.85
Revenue Growth6.34%
EPS Growth35.36%
CountryUS
Employees262
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.93
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$29.50Price Target Upside5.06% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)2.94
Revenue Forecast (FY)$125.43M
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
74
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 212.74M | 209.37M | 191.91M | 161.86M | 116.25M | 99.91M |
| Gross Profit | 118.41M | 111.69M | 96.31M | 99.32M | 100.53M | 100.17M |
| EBITDA | 61.67M | 56.78M | 40.30M | 47.33M | 53.13M | 60.34M |
| Net Income | 41.81M | 37.45M | 25.81M | 30.70M | 34.99M | 40.10M |
Balance Sheet | ||||||
| Total Assets | 3.47B | 3.28B | 3.06B | 2.79B | 2.42B | 2.15B |
| Cash, Cash Equivalents and Short-Term Investments | 30.90M | 185.33M | 345.14M | 385.67M | 288.89M | 326.48M |
| Total Debt | 107.70M | 71.99M | 33.67M | 59.14M | 26.81M | 17.44M |
| Total Liabilities | 3.07B | 2.89B | 2.70B | 2.44B | 2.08B | 1.89B |
| Stockholders Equity | 400.46M | 390.03M | 363.81M | 348.87M | 335.44M | 256.29M |
Cash Flow | ||||||
| Free Cash Flow | 41.00M | 24.40M | 34.91M | 62.03M | 51.81M | -2.05M |
| Operating Cash Flow | 41.37M | 26.59M | 38.98M | 63.34M | 57.27M | -1.62M |
| Investing Cash Flow | -165.27M | -200.14M | -311.74M | -275.27M | -356.67M | -175.22M |
| Financing Cash Flow | 125.53M | 181.90M | 229.20M | 307.24M | 243.14M | 186.03M |
PCB Bancorp Technical Analysis
Positive
28.08
Price Trends
27.47
Positive
25.45
Positive
23.60
Positive
Market Momentum
0.06
Positive
49.10
Neutral
45.05
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 28.08 is below the 20-day moving average (MA) of 28.76, above the 50-day MA of 27.47, and above the 200-day MA of 23.60, indicating a neutral trend. The MACD of 0.06 indicates Positive momentum. The RSI at 49.10 is Neutral, neither overbought nor oversold. The STOCH value of 45.05 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $427.22M | 11.90 | 13.72% | 2.05% | 32.78% | 4.54% | |
74 Outperform | $396.72M | 9.51 | 10.64% | 2.99% | 6.34% | 35.36% | |
74 Outperform | $318.55M | 9.66 | 10.75% | 3.12% | 5.94% | 3.65% | |
70 Outperform | $463.79M | 13.28 | 9.04% | 2.15% | 16.31% | 4.61% | |
68 Neutral | $395.78M | 10.29 | 13.30% | 4.26% | 3.47% | 25.54% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $370.45M | 11.93 | 8.63% | 3.19% | 4.60% | 52.13% |
* Financial Sector Average
PCB
PCB Bancorp
28.12
8.12
40.63%
CBAN
Colony Bankcorp
22.03
6.50
41.82%
FNLC
First Bancorp
35.31
11.55
48.62%
PLBC
Plumas Bancorp
61.43
22.12
56.26%
WSBF
Waterstone Financial
20.88
7.92
61.06%
FSBW
FS Bancorp
43.27
5.82
15.55%
PCB Bancorp Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
PCB Bancorp Declares Quarterly Dividend Amid Continued Growth
Positive
Jul 23, 2026
PCB Bancorp reported that net income available to common shareholders for the quarter ended June 30, 2026 was $10.4 million, or $0.73 per diluted share, down slightly from the prior quarter but up from $9.0 million, or $0.62 per share, a year earl...
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.