Is PCB Bancorp (PCB) Overvalued?
We dive into why PCB Bancorp (PCB) could be considered overvalued on 2026-08-17, based on AAII’s Value Score and Grade.Tudor Pop
A+ Stock Grade Summary:
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COMPANY SUMMARY
PCB Bancorp operates as the bank holding company for PCB Bank that provides various banking products and services to small and middle market businesses and individuals in the United States. The company offers demand, savings, money market, time deposits, and certificates of deposit; and remote deposit capture, courier deposit and positive pay services, zero balance accounts, and sweep accounts. It also provides real estate loans, including commercial and residential, small business administration (SBA), multifamily, business property, and construction loans; commercial and industrial loans, such as commercial term and lines of credit, and SBA commercial term, trade finance, home, and mortgage warehouse; consumer loans comprising residential mortgage and other consumer loans; and automobile loans, unsecured lines of credit, and term loans. In addition, the company offers access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; and mobile banking solutions, including remote check deposit and mobile bill pay. Further, it provides automated teller machines; cash management, debit and credit card, and online and mobile banking; and banking by telephone, mail, personal appointment, debit cards, direct deposit, and cashier’s checks, as well as treasury management, wire transfer, and automated clearing house services. It operates through full-service branches and loan production offices. The company was formerly known as Pacific City Financial Corporation and changed its name to PCB Bancorp in July 2019. PCB Bancorp was founded in 2003 and is headquartered in Los Angeles, California.
Commentary & Analysis
Why PCB Bancorp’s (PCB) Stock Is Down 5.05%
As of Thursday, July 23, PCB Bancorp’s PCB share price has dipped by 5.05%, which has investors questioning if this is right time to buy.Jenna Brashear
What You Need to Know About PCB Bancorp's Q3 Earnings
PCB Bancorp's fiscal Q3 earnings report was released on Thursday, July 23. Let's dive in to see if (PCB) missed or beat analyst's expectations.Michael Rose
What You Need to Know About PCB Bancorp's Q2 Earnings
PCB Bancorp's fiscal Q2 earnings report was released on Thursday, April 23. Let's dive in to see if (PCB) missed or beat analyst's expectations.Tudor Pop
4 Undervalued Banks Stocks for Monday, April 06
Discover the top 4 undervalued Banks stocks for Monday, April 06 based on AAII’s Stock Grades.Omar Beirat
Financial Summary
| Share Statistics | PCB | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $387.5 | $745.4 | 34% |
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| Shares Out (Mil) | 14.2 | 15.3 | 25% |
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| Institutional Ownership | 64.9% | 83.2% | 40% |
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| Float (Mil) | 10.3 | 21.8 | 19% |
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| Beta | 0.48 | 0.42 | 27% |
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| Avg Daily Volume (000s) | 39 | 45 | 25% |
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| Price Change (52-week) |
28.0% | 94.6% | 67% |
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| Growth | PCB | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 11.5% | 7.7% | 63% |
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| Net Income (5yr) | 18.3% | 11.1% | 70% |
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| EPS (5yr) | 19.9% | 10.1% | 68 |
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| Dividends (5yr) | 14.9% | 3.6% | 76% |
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| Cash Flow (5yr) | (28.3%) | (17.1%) | 21% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 3 | 3 | 3 | |
| Current EPS | $0.733 | $2.947 | $3.003 | |
| Month Ago EPS | $0.733 | $2.907 | $3.070 | |
| # Rev Up | 1 | 2 | 2 | |
| # Rev Down | 0 | 1 | 0 | |
| Three Months Ago EPS | $0.733 | $2.907 | $3.083 | |
| Year/Year Chg | 0.4% | 14.2% | na | |
| Financials | PCB | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $118 | $196 | 28% |
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| Net Income (TTM) (Mil) | $42 | $55 | 54% |
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| EPS (TTM) | $2.911 | $2.600 | 78% |
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| Operating Cash Flow (TTM) (Mil) | $41 | $35 | 45% |
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| Net Cash Flow (TTM) (Mil) | $2 | $2 | 47% |
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| Long-Term Debt (Q1) (Mil) | $16 | $100 | 31% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | PCB | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.17 | 1.25 | 27% |
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| P/E | 9.6 | 12.4 | 15% |
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| Dividend Yield | 3.2% | 2.2% | 86% |
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| PEG (5yr hist) | 0.5 | 1.1 | 23% |
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| Ratios | PCB | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 35.3% | 29.1% | 92% |
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| ROA | 1.2% | 1.1% | 49% |
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| ROE | 13.1% | 11.3% | 66% |
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| Liabilities to Assets | 88.5% | 89.7% | 83% |
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| F-Score | 5 | 4 | 50% |
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Passing Stock Screens
As of 8/21/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
FACTOR STRATEGY
Value on the Move--PEG With Hist Growth Screen
Factors: Value, Quality, Momentum, Growth
Using PEG ratios and price strength to find growth stocks trading at a reasonable price.
| Performance Since Inception: | 13.9% |
| +/- S&P 500: | +6.4 |
