PCB
PCB Bancorp
PCB's fundamentals are strong: its operating margin rose 5 points to 49% and earnings per share grew 24%. At 10x earnings, it's trading in line with its usual 9.2x. Analysts expect earnings growth.
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.
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's PE is in its expensive range at 10x. If earnings grow as analysts expect, today's price would be 9.5x next year's earnings, in its fair range.
PCB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for PCB, with profitability improving.
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.
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's operating margin was 53% last quarter, about level with the same quarter a year ago.
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's free cash flow was $40M over the past year, up 55% from the year before. Free cash flow isn't a meaningful measure for financial services companies like PCB.
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.
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 more cash than debt. Net leverage isn't a meaningful measure for financial services companies like PCB.
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).
PCB PE vs Financial Services Sector
| Metric | PCB | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 23% below |
| PE % | 68 | 63 | 5 pts above |
PCB is trading at 10x earnings, a 23% discount to the Financial Services sector's median of 13x.
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 is in an uptrend: it's above all five of its weekly moving averages, and 52% above its 200-week average.
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's yearly returns have swung widely, from +117% in 2021 to −41% in 2020. It's up 35% so far in 2026.