PCB Bancorp AI Stock Analysis
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PCB Bancorp (PCB) AI Stock Analysis
PCB Bancorp
(NASDAQ:PCB)
PCB scores well primarily due to strong recent financial momentum and a conservative balance sheet, supported by an attractive valuation (low P/E and solid dividend yield). Technicals reinforce the positive setup with an established uptrend, though momentum indicators are nearing overbought levels. Corporate events add a further boost through dividend increases and a new buyback program.
PCB Bancorp (PCB) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $421.15M
- Dividend Yield
- 2.87%
- Average Volume (3M)
- 41.90K
- Price to Earnings (P/E)
- 10.0
- Beta (1Y)
- 0.63
- Revenue Growth
- 3.68%
- EPS Growth
- 23.15%
- Country
- US
- Employees
- 276
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 depos...
How the Company Makes Money
PCB Bancorp primarily makes money through its bank subsidiary by generating net interest income and noninterest income. (1) Net interest income: The bank earns interest and fees on loans and other interest-earning assets (for example, commercial real...
PCB Bancorp Financial Statement Overview
Summary
Overall financial profile is solid: strong TTM revenue growth (+55%), improving profitability/margins, and a conservatively positioned balance sheet with very low leverage (debt-to-equity ~0.04) and improving ROE (~10.7%). The main offset is cash-flow inconsistency over time (choppy history and negative FCF growth in TTM), and profitability remains below the unusually strong 2021–2022 levels.
Income Statement
74PositiveBalance Sheet
82Very PositiveCash Flow
67Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 213.91M | 209.37M | 191.91M | 161.86M | 116.25M | 99.91M |
| Gross Profit | 120.73M | 111.69M | 96.31M | 99.32M | 100.53M | 100.17M |
| EBITDA | 62.67M | 56.78M | 40.30M | 47.33M | 53.13M | 60.34M |
| Net Income | 42.60M | 37.45M | 25.81M | 30.70M | 34.99M | 40.10M |
Balance Sheet | ||||||
| Total Assets | 3.54B | 3.28B | 3.06B | 2.79B | 2.42B | 2.15B |
| Cash, Cash Equivalents and Short-Term Investments | 214.31M | 185.33M | 345.14M | 385.67M | 288.89M | 326.48M |
| Total Debt | 17.82M | 71.99M | 33.67M | 59.14M | 26.81M | 17.44M |
| Total Liabilities | 3.14B | 2.89B | 2.70B | 2.44B | 2.08B | 1.89B |
| Stockholders Equity | 402.13M | 390.03M | 363.81M | 348.87M | 335.44M | 256.29M |
Cash Flow | ||||||
| Free Cash Flow | 40.20M | 24.40M | 34.91M | 62.03M | 51.81M | -2.05M |
| Operating Cash Flow | 40.33M | 26.59M | 38.98M | 63.34M | 57.27M | -1.62M |
| Investing Cash Flow | -140.38M | -200.14M | -311.74M | -275.27M | -356.67M | -175.22M |
| Financing Cash Flow | 143.75M | 181.90M | 229.20M | 307.24M | 243.14M | 186.03M |
PCB Bancorp Technical Analysis
Price Trends
Market Momentum
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 29.96 is above the 20-day moving average (MA) of 29.24, above the 50-day MA of 28.37, and above the 200-day MA of 25.77, indicating a bullish trend. The MACD of 0.63 indicates Negative momentum. The RSI at 60.09 is Neutral, neither overbought nor oversold. The STOCH value of 42.41 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.
Latest Risks Added
3 New RisksPCB Bancorp Peers Comparison
Overall Rating
FNLC80Outperform- PCB78Outperform
PLBC75Outperform
CBAN62Neutral
WSBF61Neutral
FSBW58Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| FNLC | 80Outperform | $417.84M | 10.38 | 13.69% | 4.07% | 2.06% | 24.55% |
| PCB | 78Outperform | $427.19M | 9.95 | 10.72% | 2.87% | 3.68% | 23.15% |
| PLBC | 75Outperform | $437.90M | 10.37 | 15.86% | 2.10% | 24.22% | 39.38% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| CBAN | 62Neutral | $554.39M | 11.20 | 9.73% | 2.35% | 21.22% | 13.95% |
| WSBF | 61Neutral | $362.42M | 11.67 | 8.63% | 3.29% | 4.60% | 52.13% |
| FSBW | 58Neutral | $342.75M | 11.08 | 9.14% | 2.69% | 6.16% | -7.24% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| PCB | PCB Bancorp | 29.96 | 8.81 | 41.65% | |
| CBAN | Colony Bankcorp | 20.39 | 4.31 | 26.79% | |
| FNLC | The First Bancorp Inc | 36.84 | 12.33 | 50.30% | |
| PLBC | Plumas | 62.74 | 21.29 | 51.36% | |
| WSBF | Waterstone Financial | 20.08 | 5.13 | 34.33% | |
| FSBW | Fs Bancorp, Inc. | 43.10 | 4.09 | 10.50% |
PCB Bancorp Corporate Events
PCB Bancorp Reports Record Q3 Earnings, Raises Dividend
PositiveOn October 29, 2026, PCB Bancorp reported record third-quarter 2026 earnings, with net income available to common shareholders rising to $12.1 million, or $0.85 per diluted share, up from both the prior quarter and the year-ago period. The bank poste...
PCB Bancorp Launches New Share Repurchase Program
PositiveOn September 28, 2026, PCB Bancorp announced that its board had approved a share repurchase program authorizing the buyback of up to 700,000 shares of its common stock, following the board’s September 23, 2026 decision. The program, which runs throug...
PCB Bancorp extends CEO Henry Kim’s employment agreement
PositiveOn September 23, 2026, PCB Bancorp and PCB Bank entered into an amended and restated employment agreement with Chief Executive Officer Henry H. Kim, effective January 1, 2027 and running through December 31, 2031. The agreement secures his continued...
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.
Date of analysis: Nov 06, 2026