PCB BANCORP (PCB)

US69320M1099 - Common Stock

21.44  +0.64 (+3.08%)

After market: 21.44 0 (0%)

Fundamental Rating

4

Overall PCB gets a fundamental rating of 4 out of 10. We evaluated PCB against 404 industry peers in the Banks industry. While PCB seems to be doing ok healthwise, there are quite some concerns on its profitability. PCB is valued correctly, but it does not seem to be growing.



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3

1. Profitability

1.1 Basic Checks

PCB had positive earnings in the past year.
PCB had a positive operating cash flow in the past year.
In the past 5 years PCB has always been profitable.
Of the past 5 years PCB 4 years had a positive operating cash flow.

1.2 Ratios

PCB has a Return On Assets of 0.83%. This is comparable to the rest of the industry: PCB outperforms 53.62% of its industry peers.
With a Return On Equity value of 6.70%, PCB is not doing good in the industry: 61.60% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.83%
ROE 6.7%
ROIC N/A
ROA(3y)1.46%
ROA(5y)1.32%
ROE(3y)11.57%
ROE(5y)10.45%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

With a Profit Margin value of 24.29%, PCB perfoms like the industry average, outperforming 57.61% of the companies in the same industry.
In the last couple of years the Profit Margin of PCB has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for PCB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 24.29%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.3%
PM growth 5Y-0.65%
GM growth 3YN/A
GM growth 5YN/A

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5

2. Health

2.1 Basic Checks

PCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
PCB has less shares outstanding than it did 1 year ago.
PCB has less shares outstanding than it did 5 years ago.
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.

2.2 Solvency

The Debt to FCF ratio of PCB is 0.09, which is an excellent value as it means it would take PCB, only 0.09 years of fcf income to pay off all of its debts.
PCB has a better Debt to FCF ratio (0.09) than 89.78% of its industry peers.
A Debt/Equity ratio of 0.01 indicates that PCB is not too dependend on debt financing.
PCB has a Debt to Equity ratio of 0.01. This is amongst the best in the industry. PCB outperforms 87.53% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.09
Altman-Z N/A
ROIC/WACCN/A
WACC18.37%

2.3 Liquidity

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

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3

3. Growth

3.1 Past

The earnings per share for PCB have decreased strongly by -26.20% in the last year.
The Earnings Per Share has been growing slightly by 5.17% on average over the past years.
The Revenue has decreased by -4.72% in the past year.
PCB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.41% yearly.
EPS 1Y (TTM)-26.2%
EPS 3Y26.39%
EPS 5Y5.17%
EPS Q2Q%6.12%
Revenue 1Y (TTM)-4.72%
Revenue growth 3Y8.39%
Revenue growth 5Y5.41%
Sales Q2Q%1.56%

3.2 Future

The Earnings Per Share is expected to grow by 4.25% on average over the next years.
The Revenue is expected to grow by 7.76% on average over the next years.
EPS Next Y-17.2%
EPS Next 2Y-4.23%
EPS Next 3Y4.25%
EPS Next 5YN/A
Revenue Next Year-0.14%
Revenue Next 2Y4.97%
Revenue Next 3Y7.76%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.69, PCB is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of PCB indicates a somewhat cheap valuation: PCB is cheaper than 69.58% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 29.20. PCB is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 11.03 indicates a reasonable valuation of PCB.
Based on the Price/Forward Earnings ratio, PCB is valued a bit cheaper than the industry average as 73.82% of the companies are valued more expensively.
PCB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.00.
Industry RankSector Rank
PE 12.69
Fwd PE 11.03

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, PCB is valued cheaply inside the industry as 88.78% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.52
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)2.45
EPS Next 2Y-4.23%
EPS Next 3Y4.25%

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6

5. Dividend

5.1 Amount

PCB has a Yearly Dividend Yield of 3.45%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.02, PCB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.23, PCB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.45%

5.2 History

On average, the dividend of PCB grows each year by 33.89%, which is quite nice.
PCB has paid a dividend for at least 10 years, which is a reliable track record.
PCB has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)33.89%
Div Incr Years5
Div Non Decr Years8

5.3 Sustainability

43.78% of the earnings are spent on dividend by PCB. This is a bit on the high side, but may be sustainable.
PCB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP43.78%
EPS Next 2Y-4.23%
EPS Next 3Y4.25%

More info and screens

PCB BANCORP

NASDAQ:PCB (11/22/2024, 8:00:00 PM)

After market: 21.44 0 (0%)

21.44

+0.64 (+3.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap305.95M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 3.45%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 12.69
Fwd PE 11.03
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)2.45
Profitability
Industry RankSector Rank
ROA 0.83%
ROE 6.7%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 24.29%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-26.2%
EPS 3Y26.39%
EPS 5Y
EPS Q2Q%
EPS Next Y-17.2%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-4.72%
Revenue growth 3Y8.39%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y