PCB

PCB Bancorp

Financial Services · USD

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29.25 USD +0.15 +0.52%
As of Oct 30, 2026 Extended hours 29.25 0.00%
Bid
29.29 × 2
Ask
29.39 × 2
29.25 Day range 29.99
20.96 52-week range 30.62
YTD
+35.10%
1 year
+39.55%
Open
29.99
Prev close
29.10
Mkt cap
410.80M
Vol
35.79K
Avg vol
41.11K
EPS
2.89
P/E
10.12
Div yield
3.52%
More statistics
Low
29.25
High
29.99
Forward P/E
10.42
Beta
0.66
Short ratio
0.95
Inst. own
36.72%
Dividend
0.72
Ex-div date
Nov 7, 2024
Earnings
Jan 23, 2025
50-d avg
20.24
200-d avg
17.54
1y target
23.00

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PCB five-day price chart28.428.729.129.429.7Oct 23Oct 27Oct 28Oct 29

Financial health

Altman Z-Score

0.33 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 4
  • P/E 3
  • P/B 4

Valuation

P/E 8.3×
FY 2016: 10.2×FY 2017: 11.2×FY 2018: 9.3×FY 2019: 11.4×FY 2020: 9.6×FY 2021: 8.3×FY 2022: 7.5×FY 2023: 8.6×FY 2024: 11.6×FY 2025: 8.3×
FY 2016 5y median 8.3× FY 2025
P/S 1.5×
FY 2016: 2.2×FY 2017: 2.3×FY 2018: 2.4×FY 2019: 2.6×FY 2020: 1.7×FY 2021: 3.3×FY 2022: 2.3×FY 2023: 1.6×FY 2024: 1.5×FY 2025: 1.5×
FY 2016 5y median 1.6× FY 2025
P/B 0.8×
FY 2016: 1.1×FY 2017: 1.3×FY 2018: 1.1×FY 2019: 1.2×FY 2020: 0.7×FY 2021: 1.3×FY 2022: 0.8×FY 2023: 0.8×FY 2024: 0.8×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
P/FCF 12.6×
FY 2016: 3.7×FY 2017: 9.2×FY 2018: 7.6×FY 2019: 9.3×FY 2020: 10.2×FY 2021: -161×FY 2022: 5.1×FY 2023: 4.2×FY 2024: 8.3×FY 2025: 12.6×
FY 2016 5y median 5.1× FY 2025
EV/EBITDA 6.2×
FY 2016: 2.7×FY 2017: 4.3×FY 2018: 2.4×FY 2019: 4.1×FY 2020: 1.9×FY 2021: 2.4×FY 2022: 2.7×FY 2023: 1.7×FY 2024: 3.1×FY 2025: 6.2×
FY 2016 5y median 2.7× FY 2025
EV/Sales 1.7×
FY 2016: 1.1×FY 2017: 1.9×FY 2018: 1.0×FY 2019: 1.5×FY 2020: 0.5×FY 2021: 1.4×FY 2022: 1.2×FY 2023: 0.5×FY 2024: 0.6×FY 2025: 1.7×
FY 2016 5y median 1.2× FY 2025
FCF Yield 7.9%
FY 2016: 26.7%FY 2017: 10.8%FY 2018: 13.1%FY 2019: 10.7%FY 2020: 9.8%FY 2021: -0.6%FY 2022: 19.8%FY 2023: 23.5%FY 2024: 12.1%FY 2025: 7.9%
FY 2016 5y median 12.1% FY 2025

Profitability

Gross Margin 53.3%
FY 2016: 85.9%FY 2017: 84.9%FY 2018: 79.6%FY 2019: 73.1%FY 2020: 70.7%FY 2021: 100.3%FY 2022: 86.5%FY 2023: 61.4%FY 2024: 50.2%FY 2025: 53.3%
FY 2016 5y median 61.4% FY 2025
Operating Margin 25.1%
FY 2016: 37.0%FY 2017: 39.6%FY 2018: 36.9%FY 2019: 32.8%FY 2020: 25.1%FY 2021: 57.0%FY 2022: 42.5%FY 2023: 26.7%FY 2024: 18.9%FY 2025: 25.1%
FY 2016 5y median 26.7% FY 2025
Net Margin 17.9%
FY 2016: 21.3%FY 2017: 20.7%FY 2018: 25.8%FY 2019: 23.0%FY 2020: 17.7%FY 2021: 40.1%FY 2022: 30.1%FY 2023: 19.0%FY 2024: 13.4%FY 2025: 17.9%
FY 2016 5y median 19.0% FY 2025
ROE 9.6%
FY 2016: 11.0%FY 2017: 11.5%FY 2018: 11.6%FY 2019: 10.6%FY 2020: 6.9%FY 2021: 15.6%FY 2022: 10.4%FY 2023: 8.8%FY 2024: 7.1%FY 2025: 9.6%
FY 2016 5y median 9.6% FY 2025
ROIC -3.8%
FY 2016: 11.0%FY 2017: 9.0%FY 2018: 10.1%FY 2019: 9.4%FY 2020: 5.0%FY 2021: 14.7%FY 2022: 9.7%FY 2023: 7.5%FY 2024: 5.8%FY 2025: -3.8%
FY 2016 5y median 7.5% FY 2025
ROA 1.1%
FY 2016: 1.1%FY 2017: 1.1%FY 2018: 1.4%FY 2019: 1.4%FY 2020: 0.8%FY 2021: 1.9%FY 2022: 1.4%FY 2023: 1.1%FY 2024: 0.8%FY 2025: 1.1%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 9.1%
FY 2016: 17.5%FY 2017: 20.2%FY 2018: 18.9%FY 2019: 11.3%FY 2020: -12.7%FY 2021: 9.2%FY 2022: 16.4%FY 2023: 39.2%FY 2024: 18.6%FY 2025: 9.1%
FY 2016 FY 2025
Operating Income 44.7%
FY 2016: 15.7%FY 2017: 28.4%FY 2018: 10.9%FY 2019: -1.1%FY 2020: -33.0%FY 2021: 147.5%FY 2022: -13.3%FY 2023: -12.4%FY 2024: -16.1%FY 2025: 44.7%
FY 2016 FY 2025
EPS (diluted) 48.3%
FY 2016: 8.8%FY 2017: 9.0%FY 2018: 37.2%FY 2019: -10.2%FY 2020: -30.2%FY 2021: 151.9%FY 2022: -11.5%FY 2023: -8.6%FY 2024: -17.9%FY 2025: 48.3%
FY 2016 FY 2025
Free Cash Flow -30.1%
FY 2016: -29.8%FY 2017: -47.9%FY 2018: 48.2%FY 2019: -0.5%FY 2020: -48.0%FY 2021: -113.4%FY 2022: 2631.2%FY 2023: 19.7%FY 2024: -43.7%FY 2025: -30.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.2×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.2×
FY 2016: 0.0×FY 2017: 0.3×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.4×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA 0.8×
FY 2016: -2.5×FY 2017: -1.0×FY 2018: -3.4×FY 2019: -3.0×FY 2020: -4.0×FY 2021: -3.1×FY 2022: -2.3×FY 2023: -3.9×FY 2024: -4.1×FY 2025: 0.8×
FY 2016 5y median -3.1× FY 2025
Interest Coverage 0.6×
FY 2016: 3.5×FY 2017: 3.1×FY 2018: 1.9×FY 2019: 1.4×FY 2020: 1.7×FY 2021: 13.1×FY 2022: 4.1×FY 2023: 0.7×FY 2024: 0.4×FY 2025: 0.6×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 3.8%
FY 2016: 1.0%FY 2017: 0.9%FY 2018: 0.8%FY 2019: 1.4%FY 2020: 4.0%FY 2021: 2.0%FY 2022: 3.4%FY 2023: 3.8%FY 2024: 3.8%FY 2025: 3.8%
FY 2016 5y median 3.8% FY 2025
Payout Ratio 31.5%
FY 2016: 9.9%FY 2017: 9.8%FY 2018: 7.2%FY 2019: 16.4%FY 2020: 38.0%FY 2021: 16.6%FY 2022: 25.6%FY 2023: 32.3%FY 2024: 42.8%FY 2025: 31.5%
FY 2016 5y median 31.5% FY 2025

Annual · latest fiscal year ends 2025-12-31