Overview Dividends

(PCB) PCB Bancorp - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US69320M1099

Deposits, Loans, Remote Banking, Treasury Services, SBA Lending

PCB EPS (Earnings per Share)

EPS (Earnings per Share) of PCB over the last years for every Quarter: "2020-09": 0.22, "2020-12": 0.38, "2021-03": 0.55, "2021-06": 0.64, "2021-09": 0.73, "2021-12": 0.7, "2022-03": 0.67, "2022-06": 0.6, "2022-09": 0.46, "2022-12": 0.58, "2023-03": 0.7, "2023-06": 0.52, "2023-09": 0.49, "2023-12": 0.41, "2024-03": 0.33, "2024-06": 0.43, "2024-09": 0.52, "2024-12": 0.46, "2025-03": 0.53, "2025-06": 0.62, "2025-09": 0.79,
EPS Growth (3Y CAGR): 11.89%
EPS Trend (3Y Correlation): 16.4%

PCB Revenue

Revenue of PCB over the last years for every Quarter: 2020-09: 21.892, 2020-12: 24.032, 2021-03: 22.115, 2021-06: 25.202, 2021-09: 26.756, 2021-12: 25.833, 2022-03: 26.18, 2022-06: 26.094, 2022-09: 30.011, 2022-12: 33.965, 2023-03: 37.557, 2023-06: 39.495, 2023-09: 41.354, 2023-12: 24.427, 2024-03: 23.944, 2024-06: 24.22, 2024-09: 48.618, 2024-12: 49.362, 2025-03: 49.472, 2025-06: 52.605, 2025-09: 45.594,
Revenue Growth (3Y CAGR): 11.30%
Revenue Trend (3Y Correlation): 45.9%

Description: PCB PCB Bancorp October 31, 2025

PCB Bancorp (NASDAQ:PCB) is a regional bank holding company that serves small- and middle-market businesses and individual customers through a full suite of deposit, loan, and digital banking products, including demand accounts, CDs, SBA and commercial real-estate financing, and mobile-check deposit.

The firm operates full-service branches in California, New York, New Jersey, and Texas, complemented by loan production offices in California, Washington, and Georgia, giving it a multi-state footprint focused on high-growth metropolitan markets.

As of the most recent filing, PCB reported total assets of roughly $4.2 billion, a loan-to-deposit ratio of 78 % (slightly above the regional-bank average of 73 %), and a net interest margin of 3.1 %-both metrics that have benefited from the current higher-rate environment, while its small-business loan portfolio has grown 9 % YoY, reflecting robust demand for credit in the post-pandemic recovery.

For a deeper quantitative dive, the ValueRay platform offers granular financial metrics and peer comparisons that can help you assess PCB’s relative valuation.

PCB Stock Overview

Market Cap in USD 308m
Sub-Industry Regional Banks
IPO / Inception 2014-06-04

PCB Stock Ratings

Growth Rating 46.7%
Fundamental 70.1%
Dividend Rating 89.1%
Return 12m vs S&P 500 -3.92%
Analyst Rating 3.0 of 5

PCB Dividends

Dividend Yield 12m 4.65%
Yield on Cost 5y 12.10%
Annual Growth 5y 22.47%
Payout Consistency 99.1%
Payout Ratio 26.7%

PCB Growth Ratios

Growth Correlation 3m -53.1%
Growth Correlation 12m 52.5%
Growth Correlation 5y 50.5%
CAGR 5y 8.74%
CAGR/Max DD 3y (Calmar Ratio) 0.28
CAGR/Mean DD 3y (Pain Ratio) 0.80
Sharpe Ratio 12m -0.56
Alpha 3.04
Beta 0.561
Volatility 28.18%
Current Volume 27.6k
Average Volume 20d 25.4k
Stop Loss 20.3 (-3.7%)
Signal 0.23

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (35.2m TTM) > 0 and > 6% of Revenue (6% = 11.8m TTM)
FCFTA 0.01 (>2.0%) and ΔFCFTA -0.99pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 84.51% (prev -1740 %; Δ 1825 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.01 (>3.0%) and CFO 23.4m <= Net Income 35.2m (YES >=105%, WARN >=100%)
Net Debt (-5.41m) to EBITDA (52.8m) ratio: -0.10 <= 3.0 (WARN <= 3.5)
Current Ratio 9.78 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (14.4m) change vs 12m ago -0.01% (target <= -2.0% for YES)
Gross Margin 37.18% (prev 24.78%; Δ 12.39pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 6.30% (prev 4.19%; Δ 2.11pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 0.55 (EBITDA TTM 52.8m / Interest Expense TTM 93.6m) >= 6 (WARN >= 3)

Altman Z'' 0.72

(A) 0.05 = (Total Current Assets 185.5m - Total Current Liabilities 19.0m) / Total Assets 3.36b
(B) 0.05 = Retained Earnings (Balance) 180.2m / Total Assets 3.36b
(C) 0.02 = EBIT TTM 51.8m / Avg Total Assets 3.13b
(D) 0.11 = Book Value of Equity 315.4m / Total Liabilities 2.98b
Total Rating: 0.72 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 70.09

1. Piotroski 3.50pt = -1.50
2. FCF Yield 14.07% = 5.0
3. FCF Margin 10.89% = 2.72
4. Debt/Equity 0.05 = 2.50
5. Debt/Ebitda -0.10 = 2.50
6. ROIC - WACC (= 3.07)% = 3.84
7. RoE 9.21% = 0.77
8. Rev. Trend 45.89% = 3.44
9. EPS Trend 16.42% = 0.82

What is the price of PCB shares?

As of November 01, 2025, the stock is trading at USD 21.07 with a total of 27,609 shares traded.
Over the past week, the price has changed by -1.91%, over one month by +0.33%, over three months by +4.08% and over the past year by +16.64%.

Is PCB Bancorp a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, PCB Bancorp (NASDAQ:PCB) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 70.09 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PCB is around 21.11 USD . This means that PCB is currently overvalued and has a potential downside of 0.19%.

Is PCB a buy, sell or hold?

PCB Bancorp has received a consensus analysts rating of 3.00. Therefor, it is recommend to hold PCB.
  • Strong Buy: 0
  • Buy: 0
  • Hold: 3
  • Sell: 0
  • Strong Sell: 0

What are the forecasts/targets for the PCB price?

Issuer Target Up/Down from current
Wallstreet Target Price 23.3 10.3%
Analysts Target Price 23.3 10.3%
ValueRay Target Price 23.4 11%

PCB Fundamental Data Overview October 26, 2025

Market Cap USD = 308.2m (308.2m USD * 1.0 USD.USD)
P/E Trailing = 8.9129
P/S = 3.0142
P/B = 0.9603
Beta = 0.561
Revenue TTM = 197.0m USD
EBIT TTM = 51.8m USD
EBITDA TTM = 52.8m USD
Long Term Debt = 45.0m USD (from longTermDebt, two quarters ago)
Short Term Debt = 19.0m USD (from shortTermDebt, last quarter)
Debt = 19.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -5.41m USD (from netDebt column, last quarter)
Enterprise Value = 152.5m USD (308.2m + Debt 19.0m - CCE 174.6m)
Interest Coverage Ratio = 0.55 (Ebit TTM 51.8m / Interest Expense TTM 93.6m)
FCF Yield = 14.07% (FCF TTM 21.5m / Enterprise Value 152.5m)
FCF Margin = 10.89% (FCF TTM 21.5m / Revenue TTM 197.0m)
Net Margin = 17.89% (Net Income TTM 35.2m / Revenue TTM 197.0m)
Gross Margin = 37.18% ((Revenue TTM 197.0m - Cost of Revenue TTM 123.8m) / Revenue TTM)
Gross Margin QoQ = -8.15% (prev 52.28%)
Tobins Q-Ratio = 0.05 (Enterprise Value 152.5m / Total Assets 3.36b)
Interest Expense / Debt = 129.2% (Interest Expense 24.5m / Debt 19.0m)
Taxrate = 28.24% (4.49m / 15.9m)
NOPAT = 37.2m (EBIT 51.8m * (1 - 28.24%))
Current Ratio = 9.78 (Total Current Assets 185.5m / Total Current Liabilities 19.0m)
Debt / Equity = 0.05 (Debt 19.0m / totalStockholderEquity, last quarter 384.5m)
Debt / EBITDA = -0.10 (Net Debt -5.41m / EBITDA 52.8m)
Debt / FCF = -0.25 (Net Debt -5.41m / FCF TTM 21.5m)
Total Stockholder Equity = 382.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.05% (Net Income 35.2m / Total Assets 3.36b)
RoE = 9.21% (Net Income TTM 35.2m / Total Stockholder Equity 382.9m)
RoCE = 12.11% (EBIT 51.8m / Capital Employed (Equity 382.9m + L.T.Debt 45.0m))
RoIC = 10.84% (NOPAT 37.2m / Invested Capital 343.2m)
WACC = 7.76% (E(308.2m)/V(327.2m) * Re(8.24%) + (debt cost/tax rate unavailable))
Discount Rate = 8.24% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -81.65 | Cagr: -3.39%
[DCF Debug] Terminal Value 77.69% ; FCFE base≈31.6m ; Y1≈31.9m ; Y5≈34.3m
Fair Price DCF = 40.67 (DCF Value 583.7m / Shares Outstanding 14.3m; 5y FCF grow 0.25% → 3.0% )
EPS Correlation: 16.42 | EPS CAGR: 11.89% | SUE: 2.84 | # QB: 2
Revenue Correlation: 45.89 | Revenue CAGR: 11.30% | SUE: 0.47 | # QB: 0

Additional Sources for PCB Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle