GS
The Goldman Sachs Group, Inc.
GS has a slight edge over PCB overall, supported by stronger valuation.
PCB
PCB Bancorp
PCB has slightly lower modeled downside risk, despite its lower overall score.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
PCB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
PCB's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like PCB.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
PCB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.1x | $20.98 | -30% |
| Fair | 9.2x | $27.19 | -9.1% |
| Forward | 9.5x | $29.90 | — |
| Current | 10x | $29.90 | — |
| Expensive | 11x | $33.19 | +11% |
Historical ranges are pointers, not guarantees.
PCB has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
PCB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
PCB has the edge over GS on the outlook, with more favorable valuation expectations.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over PCB on earnings, with more consistent year-over-year improvement.
PCB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.15 | +6.2% |
| Q3 2026 | $2.97 | +24% |
| Q2 2026 | $2.90 | +36% |
| Q1 2026 | $2.79 | +44% |
| Q4 2025 | $2.58 | +48% |
| Q3 2025 | $2.39 | +41% |
| Q2 2025 | $2.13 | +28% |
| Q1 2025 | $1.94 | +11% |
| Q4 2024 | $1.74 | -18% |
PCB earned $2.97 per share over the past year, up 24% from the year before.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
PCB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $32.4M | +6.6% |
| Q2 2026 | $30.7M | +4.8% |
| Q1 2026 | $30.2M | +12% |
| Q4 2025 | $29.2M | +11% |
| Q3 2025 | $30.4M | +20% |
| Q2 2025 | $29.3M | +21% |
| Q1 2025 | $26.9M | +12% |
| Q4 2024 | $26.2M | +7.3% |
PCB's revenue has grown year over year for nine quarters in a row: $32M last quarter, up 6.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 53% | +0.3 points |
| Q2 2026 | 48% | +4.5 points |
| Q1 2026 | 49% | +9.2 points |
| Q4 2025 | 45% | +5.6 points |
| Q3 2025 | 52% | +10 points |
| Q2 2025 | 43% | +7 points |
| Q1 2025 | 40% | +13 points |
| Q4 2024 | 39% | +5.5 points |
PCB has the edge over GS on profitability, with a higher operating margin.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
PCB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $15.2M | -6.3% |
| Q2 2026 | $1.2M | -68% |
| Q1 2026 | $20.6M | +1191% |
| Q4 2025 | $2.8M | -33% |
| Q3 2025 | $16.2M | +36% |
| Q2 2025 | $3.8M | -70% |
| Q1 2025 | $1.6M | -73% |
| Q4 2024 | $4.2M | -57% |
PCB has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over PCB on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
PCB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.9% | -125K shares |
| 1 year | -1.6% | -231K shares |
| 3 years | -2.1% | -301K shares |
| 5 years | -6.2% | -936K shares |
| Available history | -13% | -2.1M shares |
PCB has 14M diluted shares, down 1.6% from a year ago, with $8M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $2M |
| Q2 2026 | $3.6M |
| Q1 2026 | $193,000 |
| Q4 2025 | $2.1M |
| Q3 2025 | $2.2M |
| Q2 2025 | $1.8M |
| Q1 2025 | $953,000 |
| Q4 2024 | — |
PCB spent $8M buying back its own shares over the past year, up 60% from the year before.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GS.
PCB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -6.7x | Net Cash |
| Q2 2026 | -2.9x | Net Cash |
| Q1 2026 | -3.7x | Net Cash |
| Q4 2025 | -3.2x | Net Cash |
| Q3 2025 | -7.1x | Net Cash |
| Q2 2025 | -4.7x | Net Cash |
| Q1 2025 | -4.3x | Net Cash |
| Q4 2024 | -4.8x | Net Cash |
PCB has the edge over GS on leverage, with a lower net debt burden relative to earnings.
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
PCB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 69.3 | Neutral |
| Stochastic | 66.4 | Neutral |
PCB's weekly RSI is 69 (neutral) and its Stochastic is 66 (neutral).
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
PCB PE vs Financial Services Sector
| Metric | PCB | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 23% below |
| PE % | 68 | 63 | 5 pts above |
PCB has the edge over GS on valuation relative to its sector.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
PCB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $28.7 | 4.4% above |
| 20 week MA | $28.4 | 5.4% above |
| 50 week MA | $25.4 | 18% above |
| 100 week MA | $22.8 | 31% above |
| 200 week MA | $19.7 | 52% above |
PCB has the edge over GS on trend strength, trading above more of its moving averages.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.
PCB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $17.0 | $10.1 | -41% |
| 2021 | $10.1 | $22.0 | +117% |
| 2022 | $22.0 | $17.9 | -18% |
| 2023 | $17.9 | $18.4 | +2.7% |
| 2024 | $18.4 | $20.1 | +9% |
| 2025 | $20.1 | $22.2 | +11% |
| 2026 YTD | $22.2 | $29.9 | +35% |
PCB has the edge over GS on returns for 2026, with the stronger performance.