# PCB Bancorp (PCB) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $28.14, market value $395 million.

## Valuation
- **P/E (trailing): 9.7×** (5-yr avg 8.2×, 3-yr avg 9.0×). PCB Bancorp trades at 9.7× trailing earnings, close to its own five-year average of 8.2×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.19**. A PEG of 0.19 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 127.8×**. Each dollar of revenue is priced at 127.8×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 10.3%** (5-yr avg 13.7%). Free cash flow equals 10.3% of the market value, below its five-year average of 13.7%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 10.3%**. The inverse of the P/E: 10.3% of the price is earned each year.

## Profitability
- **Return on equity: 9.6%**. 9.6% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.3%**. Each dollar of assets produces 1.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 4.5%** (3-yr 3.1%/yr, 5-yr 5.4%/yr). Revenue grew 4.5% over the last year, against 5.4% a year compounded over five years.
- **EPS growth (1 yr): 48.3%** (3-yr 3.8%/yr, 5-yr 19.9%/yr). Earnings per share rose 48.3%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -22.2%/yr**. Free cash flow has compounded at -22.2% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 3.12%** ($0.84 per share, trailing). PCB Bancorp yields 3.12%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 31%** (29% of free cash flow). 31% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 8**. 8 straight years of increases.
- **Dividend growth (5 yr): 14.9%/yr** (1-yr 11.1%). The dividend has compounded at 14.9% a year over five years, doubling roughly every 5 years at that pace.

## Price and momentum
- **Total return (1 yr): 31.6%** (YTD 32.4%, 3-mo 11.7%). The shares are up 31.6% over twelve months including dividends.
- **From 52-week high: -8.8%** (42.8% above the low). Trading 9% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 54**. An RSI of 54 is neutral.
- **Beta (1 yr): 0.50** (volatility 25%). Beta of 0.50 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PCB · Page: https://foliofundamentals.com/stocks/pcb

Not investment advice.