PCB BANCORP(NASDAQ:PCB) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, PCB scores 4 out of 10 in our fundamental rating. PCB was compared to 405 industry peers in the Banks industry. The financial health of PCB is average, but there are quite some concerns on its profitability. A decent growth rate in combination with a cheap valuation! Better keep an eye on PCB. Finally PCB also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year PCB was profitable.

PCB had a positive operating cash flow in the past year.

Each year in the past 5 years PCB has been profitable.

In multiple years PCB reported negative operating cash flow during the last 5 years.

1.2 Ratios

PCB's Return On Assets of 0.84% is in line compared to the rest of the industry. PCB outperforms 55.14% of its industry peers.

PCB has a Return On Equity of 6.67%. This is in the lower half of the industry: PCB underperforms 63.91% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.84%
ROE	6.67%
ROIC	N/A

ROA(3y)1.12%

ROA(5y)1.21%

ROE(3y)8.67%

ROE(5y)9.69%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

PCB's Profit Margin of 24.66% is fine compared to the rest of the industry. PCB outperforms 61.15% of its industry peers.

In the last couple of years the Profit Margin of PCB has declined.

The Operating Margin and Gross Margin are not available for PCB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	24.66%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-15.68%

PM growth 5Y-3.41%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

PCB does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, PCB has more shares outstanding

PCB has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, PCB has a worse debt to assets ratio.

2.2 Solvency

There is no outstanding debt for PCB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC19.25%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for PCB have decreased strongly by -17.92% in the last year.

The Earnings Per Share has been growing slightly by 3.29% on average over the past years.

Looking at the last year, PCB shows a small growth in Revenue. The Revenue has grown by 0.53% in the last year.

Measured over the past years, PCB shows a small growth in Revenue. The Revenue has been growing by 4.27% on average per year.

EPS 1Y (TTM)-17.92%

EPS 3Y-12.75%

EPS 5Y3.29%

EPS Q2Q%12.2%

Revenue 1Y (TTM)0.53%

Revenue growth 3Y1.45%

Revenue growth 5Y4.27%

Sales Q2Q%7.29%

3.2 Future

PCB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.22% yearly.

The Revenue is expected to grow by 10.94% on average over the next years. This is quite good.

EPS Next Y18.2%

EPS Next 2Y16.22%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year11.11%

Revenue Next 2Y10.94%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.06, the valuation of PCB can be described as very reasonable.

Based on the Price/Earnings ratio, PCB is valued a bit cheaper than 71.93% of the companies in the same industry.

PCB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.63.

A Price/Forward Earnings ratio of 9.36 indicates a reasonable valuation of PCB.

Based on the Price/Forward Earnings ratio, PCB is valued cheaply inside the industry as 80.20% of the companies are valued more expensively.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.68, PCB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.06
Fwd PE	9.36

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of PCB indicates a rather cheap valuation: PCB is cheaper than 86.97% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	6.86
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as PCB's earnings are expected to grow with 16.22% in the coming years.

PEG (NY)0.61

PEG (5Y)3.36

EPS Next 2Y16.22%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

PCB has a Yearly Dividend Yield of 4.07%, which is a nice return.

Compared to an average industry Dividend Yield of 3.18, PCB pays a better dividend. On top of this PCB pays more dividend than 80.20% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.27, PCB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.07%

5.2 History

On average, the dividend of PCB grows each year by 33.89%, which is quite nice.

PCB has been paying a dividend for at least 10 years, so it has a reliable track record.

As PCB did not decrease their dividend in the past 5 years, we can say the dividend looks stable.

Dividend Growth(5Y)33.89%

Div Incr Years6

Div Non Decr Years9

5.3 Sustainability

44.30% of the earnings are spent on dividend by PCB. This is a bit on the high side, but may be sustainable.

The dividend of PCB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP44.3%

EPS Next 2Y16.22%

EPS Next 3YN/A

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PCB BANCORP

NASDAQ:PCB (2/21/2025, 8:00:00 PM)

After market: 19.25 0 (0%)

19.25

-0.42 (-2.14%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-30 2025-01-30/amc

Earnings (Next)04-23 2025-04-23/amc

Inst Owners39.77%

Inst Owner Change-99.13%

Ins Owners19.54%

Ins Owner Change-0.77%

Market Cap276.81M

Analysts48

Price Target22.95 (19.22%)

Short Float %0.37%

Short Ratio1.5

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.07%

Yearly Dividend0.69

Dividend Growth(5Y)33.89%

DP44.3%

Div Incr Years6

Div Non Decr Years9

Ex-Date02-14 2025-02-14 (0.2)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)8.64%

Min EPS beat(2)1.85%

Max EPS beat(2)15.44%

EPS beat(4)2

Avg EPS beat(4)-6.75%

Min EPS beat(4)-26.63%

Max EPS beat(4)15.44%

EPS beat(8)4

Avg EPS beat(8)0.93%

EPS beat(12)6

Avg EPS beat(12)-0.73%

EPS beat(16)10

Avg EPS beat(16)5.68%

Revenue beat(2)0

Avg Revenue beat(2)-2.85%

Min Revenue beat(2)-3.95%

Max Revenue beat(2)-1.74%

Revenue beat(4)0

Avg Revenue beat(4)-3.81%

Min Revenue beat(4)-6.3%

Max Revenue beat(4)-1.74%

Revenue beat(8)1

Avg Revenue beat(8)-3.48%

Revenue beat(12)2

Avg Revenue beat(12)-3.14%

Revenue beat(16)5

Avg Revenue beat(16)-1.73%

PT rev (1m)-2.17%

PT rev (3m)9.76%

EPS NQ rev (1m)-0.22%

EPS NQ rev (3m)-0.22%

EPS NY rev (1m)5.78%

EPS NY rev (3m)5.78%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0.64%

Revenue NY rev (3m)0.69%

Valuation

		Industry Rank	Sector Rank
PE	11.06
Fwd PE	9.36
P/S	2.83
P/FCF	6.86
P/OCF	6.2
P/B	0.76
P/tB	0.76
EV/EBITDA	N/A

EPS(TTM)1.74

EY9.04%

EPS(NY)2.06

Fwd EY10.68%

FCF(TTM)2.81

FCFY14.58%

OCF(TTM)3.11

OCFY16.13%

SpS6.81

BVpS25.19

TBVpS25.19

PEG (NY)0.61

PEG (5Y)3.36

Profitability

		Industry Rank	Sector Rank
ROA	0.84%
ROE	6.67%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	24.66%
GM	N/A
FCFM	41.22%

ROA(3y)1.12%

ROA(5y)1.21%

ROE(3y)8.67%

ROE(5y)9.69%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-15.68%

PM growth 5Y-3.41%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	198.24%
Cap/Sales	4.37%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	167.15%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC19.25%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-17.92%

EPS 3Y-12.75%

EPS 5Y3.29%

EPS Q2Q%12.2%

EPS Next Y18.2%

EPS Next 2Y16.22%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)0.53%

Revenue growth 3Y1.45%

Revenue growth 5Y4.27%

Sales Q2Q%7.29%

Revenue Next Year11.11%

Revenue Next 2Y10.94%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-38.98%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-36.19%

OCF growth 3YN/A

OCF growth 5YN/A

PCB BANCORP (PCB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens