PCB

NEUTRAL

$23.98 Live

PCB Bancorp · NASDAQ

Target $25.25 (+5.3%)

$18.21 52W Range $24.5

PCB PCB Bancorp - Fundamental Analysis

NEUTRAL

Console Chart News

PCB Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$23.98

Analyst Target

$25.25

+5.3% Upside

52W High

$24.5

52W Low

$18.21

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 17, 2026

Market cap

$341.27M

P/E

9.29

ROE

9.9%

Profit margin

33.5%

Debt/Equity

N/A

Dividend yield

3.42%

AI Analysis

AI-powered fundamental assessment

Confidence

80%

PCB Bancorp presents a stark contradiction between deep value and deteriorating fundamental health. While the stock is significantly undervalued relative to its Graham Number ($36.3) and Intrinsic Value ($76.11), the Piotroski F-Score of 3/9 indicates weak financial health. Strong YoY earnings growth (35%) and a sustainable dividend payout (31%) are offset by a highly bearish technical trend (10/100) and fundamental instability. The valuation gap is attractive, but the health score necessitates a cautious approach.

Key Strengths

Significant undervaluation relative to Graham Number ($36.3) and Intrinsic Value ($76.11)

Strong earnings growth (35% YoY) and revenue growth (16.3% YoY)

Low P/E ratio (9.29) and Price-to-Book (1.06) compared to sector averages

Sustainable dividend profile with a low payout ratio of 31.01%

Consistent recent earnings performance with 3 of the last 4 quarters beating estimates

Key Risks

Weak fundamental health as indicated by a Piotroski F-Score of 3/9

Strongly bearish technical trend (10/100) suggesting negative price momentum

Exposure to regional banking sector volatility and interest rate risks

Low analyst coverage (only 2 analysts) limiting market visibility

Recent Q/Q EPS growth decline of 19.0%

AI Fair Value Estimate

Based on comprehensive analysis

$32.5

+35.5% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Value Trap Risk

Key drivers: Deep valuation discount, Weak Piotroski health score, Strong YoY growth, Bearish technicals

Confidence

85%

Value

90/100

Ref P/E, PEG, Graham Number

Positives

Price $23.98 is well below Graham Number $36.3
P/E of 9.29 is very low

Watchpoints

Market is pricing in fundamental risks not captured by simple formulas

Future

75/100

Ref Growth rates

Positives

35% YoY Earnings Growth
16.3% YoY Revenue Growth

Watchpoints

Recent Q/Q EPS contraction

Past

65/100

Ref Historical trends

Positives

Strong 5Y change (+96.4%)
Recent earnings surprise average of 15.89%

Watchpoints

Historical volatility in quarterly EPS

Health

20/100

Ref Altman Z-Score, Piotroski F-Score

Positives

Positive ROA (1.18%)

Watchpoints

Piotroski F-Score of 3/9 (Weak)

Dividend

70/100

Ref Yield, Payout

Positives

3.42% yield
Low 31.01% payout ratio

Watchpoints

No 5-year average yield data for trend analysis

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$23.98

Analyst Target

$25.25

Upside/Downside

+5.3%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for PCB and closest competitors.

Updated 2026-04-16

Company	5Y	3Y	1Y	6M	1M	1W
PCB PCB Bancorp Primary	+96.4%	+102.5%	+34.8%	+23.1%	+10.6%	-1.7%
PBFS Pioneer Bancorp, Inc. Peer	+20.8%	+56.3%	+26.3%	+8.4%	+3.1%	-2.0%
MVBF MVB Financial Corp. Peer	-24.6%	+63.0%	+70.8%	-0.1%	+4.1%	+3.3%
BGT BlackRock Floating Rate Income Trust Peer	+50.6%	+43.0%	+2.8%	-2.7%	+2.7%	+1.0%
FUFU BitFuFu Inc. Peer	-79.1%	-80.3%	-52.8%	-48.1%	-20.4%	+18.7%

PCB

PCB Bancorp

Primary

+96.4%

+102.5%

+34.8%

+23.1%

+10.6%

-1.7%

PBF

Pioneer Bancorp, Inc.

Peer

+20.8%

+56.3%

+26.3%

+8.4%

+3.1%

-2.0%

MVB

MVB Financial Corp.

Peer

-24.6%

+63.0%

+70.8%

-0.1%

+4.1%

+3.3%

BGT

BlackRock Floating Rate Income Trust

Peer

+50.6%

+43.0%

+2.8%

-2.7%

+2.7%

+1.0%

FUF

BitFuFu Inc.

Peer

-79.1%

-80.3%

-52.8%

-48.1%

-20.4%

+18.7%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

9.29

7.88

N/A

1.06

3.06

2.27

N/A

$341.27M

Profitability

Profit margins and return metrics

Profit Margin 33.53%

Operating Margin 46.74%

Gross Margin N/A

ROE 9.94%

ROA 1.18%

Growth

Revenue and earnings growth rates

Revenue Growth +16.3%

Earnings Growth +35.0%

Q/Q Revenue Growth +12.7%

Q/Q Earnings Growth +31.4%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$14.65

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.0B

Net Margin

31.3%

Total Assets

$3.3B

Liabilities

$2.9B

Equity

$0.4B

Debt/Equity

7.41x

Operating CF

$0.0B

CapEx

$-0.0B

Free Cash Flow

$0.0B

FCF Yield

96%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-23

$N/A

2026-01-29

$0.64

+6.7% surprise

2025-10-23

$0.79

+30.9% surprise

2025-07-24

$0.62

+10.1% surprise

Financial Services Sector Comparison

Comparing PCB against 525 companies in the Financial Services sector (96 bullish, 216 neutral, 213 bearish)

P/E Ratio

9.29

This Stock

43.93

Sector Avg

-78.8% (Discount)

Return on Equity (ROE)

9.94%

This Stock

0.14%

Sector Avg

+6861.1% (Excellent)

Profit Margin

33.53%

This Stock

46.8%

Sector Avg

-28.3% (Weaker)

Revenue Growth

16.3%

This Stock

40.4%

Sector Avg

-59.7% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
PCB PCB Bancorp	NEUTRAL	$341.27M	9.29	9.9%	33.5%	$23.98
PBFS Pioneer Bancorp, Inc.	NEUTRAL	$344.25M	16.99	6.5%	21.9%	$14.1	Compare
MVBF MVB Financial Corp.	NEUTRAL	$338.08M	12.78	8.4%	17.0%	$26.32	Compare
BGT BlackRock Floating Rate...	BEARISH	$344.48M	13.28	6.8%	66.0%	$11.55	Compare
FUFU BitFuFu Inc.	BEARISH	$337.96M	-	-40.2%	-12.1%	$2.03	Compare

PCB PCB Bancorp

NEUTRAL

Mkt Cap

$341M

P/E

9.3

ROE

9.9%

Price

$23.98

PBFS Pioneer Bancorp, Inc.

Compare with PCB

MVBF MVB Financial Corp.

Compare with PCB

Compare with PCB

Compare with PCB

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-06	LEE SANG YOUNG	Director and Beneficial Owner of more than 10% of a Class of Security	Purchase	8,590	$190,582
2026-03-04	LEE SANG YOUNG	Director and Beneficial Owner of more than 10% of a Class of Security	Purchase	2,092	$47,524
2026-02-27	LEE SANG YOUNG	Director and Beneficial Owner of more than 10% of a Class of Security	Purchase	3,027	$67,892
2026-02-23	LEE SANG YOUNG	Director and Beneficial Owner of more than 10% of a Class of Security	Purchase	5,000	$112,400

LEE SANG YOUNG

Director and Beneficial Owner of more than 10% of a Class of Security

Buy

2026-03-06

8,590 shares · $190,582

LEE SANG YOUNG

Director and Beneficial Owner of more than 10% of a Class of Security

Buy

2026-03-04

2,092 shares · $47,524

LEE SANG YOUNG

Director and Beneficial Owner of more than 10% of a Class of Security

Buy

2026-02-27

3,027 shares · $67,892

LEE SANG YOUNG

Director and Beneficial Owner of more than 10% of a Class of Security

Buy

2026-02-23

5,000 shares · $112,400

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A

2026-04-09

PCB filed a definitive proxy statement on April 9, 2026, providing shareholders with necessary information to vote at the company's annual meeting.

10-K

2026-03-16

PCB submitted its annual 10-K filing on March 16, 2026. The provided excerpts do not contain specific financial performance metrics or detailed risk disclosures.

8-K

2026-01-29

PCB filed an 8-K on January 29, 2026, likely to announce its fourth-quarter and full-year financial results.

10-Q

2025-11-07

PCB filed its 10-Q on November 7, 2025, though specific financial highlights were not provided in the available excerpt. The filing includes a dedicated section for risk factors under Item 1A.

8-K

2025-10-23

PCB likely reported its third-quarter financial results in this 8-K filing dated October 23, 2025.

10-Q

2025-08-08

PCB filed its 10-Q on August 8, 2025. While specific financial highlights were not provided in the excerpt, the filing includes a dedicated section for Risk Factors under Item 1A.

8-K

2025-07-24

8-K

2025-07-24

10-Q

2025-06-09

PCB filed its 10-Q on June 9, 2025. While specific financial highlights were not provided in the excerpt, the filing includes a dedicated section for risk factors under Item 1A.

8-K

2025-05-29

8-K

2025-05-23

8-K

2025-04-24

DEF 14A

2025-04-10

10-K

2025-03-13

8-K

2025-01-30

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

HOLD

2 analysts

Keefe, Bruyette & Woods

2025-10-27

Maintains

Market Perform Market Perform

Piper Sandler

2025-10-27

Maintains

Neutral Neutral

Past News Coverage

Recent headlines mentioning PCB from our newsroom.

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PCB

PCB PCB Bancorp - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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