PCB Bancorp (PCB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
PCB Bancorp stock (PCB) is currently trading at $22.30. PCB Bancorp PE ratio is 8.62. PCB Bancorp PS ratio (Price-to-Sales) is 2.83. Analyst consensus price target for PCB is $25.25. WallStSmart rates PCB as Moderate Buy.
- PCB PE ratio analysis and historical PE chart
- PCB PS ratio (Price-to-Sales) history and trend
- PCB intrinsic value — DCF, Graham Number, EPV models
- PCB stock price prediction 2025 2026 2027 2028 2029 2030
- PCB fair value vs current price
- PCB insider transactions and insider buying
- Is PCB undervalued or overvalued?
- PCB Bancorp financial analysis — revenue, earnings, cash flow
- PCB Piotroski F-Score and Altman Z-Score
- PCB analyst price target and Smart Rating
PCB Bancorp
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PCB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · PCB Bancorp (PCB)
PCB trades at a significant discount to its Graham intrinsic value of $120.74, offering a 81% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
PCB Bancorp (PCB) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
PCB Bancorp (PCB) Key Strengths (4)
Keeps $47 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 35.00% year-over-year
Keeps $34 of every $100 in revenue as net profit
Supporting Valuation Data
PCB Bancorp (PCB) Areas to Watch (5)
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 2.83x sales
Solid revenue growth at 16.30% per year
Moderate institutional interest at 41.42%
PCB Bancorp (PCB) Detailed Analysis Report
Overall Assessment
This company scores 67/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 4 register as strengths (avg 10.0/10) while 5 fall into concern territory (avg 5.2/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, EPS Growth. Valuation metrics including Price/Book (0.96) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 46.70%, Profit Margin at 33.50%. Growth metrics are encouraging with EPS Growth at 35.00%.
The Bear Case
The primary concerns are Return on Equity, Market Cap, Price/Sales. Some valuation metrics including Price/Sales (2.83) suggest expensive pricing. Growth concerns include Revenue Growth at 16.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 9.94%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.94% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 16.30% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Return on Equity, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PCB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PCB's Price-to-Sales ratio of 2.83x sits near its historical average of 2.58x (60th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 41% below its historical high of 4.77x set in Aug 2014, and 153% above its historical low of 1.12x in Apr 2020. Over the past 12 months, the PS ratio has expanded from ~1.4x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for PCB Bancorp (PCB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
PCB Bancorp is a strong growth company balancing expansion with improving profitability. Revenue reached 112M with 16% growth year-over-year. Profit margins are strong at 33.5%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 994.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 33.5% and operating margin of 46.7% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 3.7%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact PCB Bancorp.
Bottom Line
PCB Bancorp offers an attractive blend of growth (16% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About PCB Bancorp(PCB)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
PCB Bancorp is the banking holding company for Pacific City Bank offering various banking products and services to individuals and small and medium-sized businesses in Southern California. The company is headquartered in Los Angeles, California.