PCB Bancorp (PCB) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
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 deposits, and certificates of deposit; and remote deposit capture, courier deposit and positive pay services, zero balance accounts, and sweep accounts.
Analysis Summary
PCB Bancorp reported revenue of $209.4M in the most recent fiscal year, growing at a 5-year CAGR of 18.0%. Net income reached $37.5M, with a 18.3% 5-year CAGR.
Trailing-twelve-month margins: gross margin 55.7%, operating margin 27.5%, net margin 19.7%. Free cash flow grew at 9.8% CAGR over 5 years.
At the current price of $27.54, PCB trades at a P/E of 9.43 and an ROE of 10.64%. Market capitalisation stands at $392M.
Balance sheet quality for PCB: current ratio of 0.2, net cash position of $113.3M. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is below average: free cash flow of $24.4M represents 65% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $27.54 |
| Market Cap | $392M |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| P/E Ratio | 9.43 |
| Price / Book | 0.97 |
| EV / EBITDA | 7.56 |
| Dividend Yield | 3.11% |
Profitability
| Return on Equity | 10.64% |
| Return on Invested Capital | 1.20% |
| Return on Assets | 1.20% |
| Gross Margin | 55.66% |
| Operating Margin | 27.54% |
| Net Margin | 19.65% |
Financial Health
| Debt / Equity | 0.27 |
| Current Ratio | 4.15 |
| Piotroski F-Score | 7 |
| Altman Z-Score | -0.12 |
What to look at in Banking companies
- Efficiency Ratio (<=55%) — Operating expenses / revenue. Top banks below 55%.
- ROA (>=1%) — How much they earn per dollar of assets. ROE misleads in banks due to leverage.
- ROTCE (>=12%) — Return on Tangible Common Equity. Strips goodwill and intangibles.
- Equity / Assets (Tier 1 proxy) (>=8%) — Capital ratio proxy. FMP does not expose regulatory Tier 1 directly.
- P/B (1.0-1.5x) — Classic banking metric. <1x can be opportunity or distress.
- Sustainable dividend yield (>=2%, <8%) — EU banks pay 5-7% normally. >8% is distress signal.
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| PCB | PCB Bancorp | $395M | 9.43 | 0.97 | 10.6% |
| 0O84.L | DNB Bank ASA | $485.9B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.07 | 1.79 | 12.3% |
| HDB | HDFC Bank Limited | $116.2B | 13.52 | 1.76 | |
| IBN | ICICI Bank Limited | $100.9B | 17.19 | 2.54 | 15.7% |
| SBID.L | State Bank of India | $97.5B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $93.1B | 12.80 | 1.47 | 12.3% |
| PNC | The PNC Financial Services Group, Inc. | $92.6B | 13.13 | 1.51 |
Price Performance
| 1 month | -0.47% |
| 3 months | +2.76% |
| Year-to-date | +27.21% |
| 1 year | +24.56% |
| 3 years | +76.31% |
52-Week Range
| 52-week High | $30.84 |
| 52-week Low | $19.70 |
| Avg Volume (90d) | 36K |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2026-08-07 | $0.2200 | 3.20% |
| 2026-05-08 | $0.2200 | 3.20% |
| 2026-02-13 | $0.2200 | 3.20% |
| 2025-11-07 | $0.2000 | 2.90% |
| 2025-08-08 | $0.2000 | 2.90% |
| 2025-05-09 | $0.2000 | 2.90% |
| 2025-02-14 | $0.2000 | 2.90% |
| 2024-11-08 | $0.1800 | 2.61% |
| 2024-08-09 | $0.1800 | 2.61% |
| 2024-05-09 | $0.1800 | 2.61% |
Related companies: BCML · CBAN · FMAO · FNLC · FSBW · MVBF · OBT
Explore sector: Financial Services · Banks - Regional
More sections of PCB: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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