PCB Bancorp Common Stock (PCB)

FairStock Score: 70/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At $27.89 on 2026-10-13, PCB Bancorp is a $391.7 million market-cap bank holding company for PCB Bank, a 274-employee lender to small and middle-market businesses. It is not a franchise with a wide moat; regional banking is commoditized, and the bank's edge must come from underwriting, local relationships, and cost control. The numbers show a reasonably profitable but not exceptional institution: FairStock calculates ROE of 10.76% and price-to-book of 1.18, so we are paying a modest premium to book for low-double-digit returns on equity. The P/E is 9.65 and PEG 0.61, which looks cheap if earnings persist. Dividend yield 3.16% and beta 0.51 add appeal. Growth has been uneven. Filed FY2025 net income was $37.5M, or $2.58 diluted EPS, up from FY2024's $25.8M and $1.74, though FY2023 was $30.7M and $2.12. In fiscal Q2 2026 (quarter ended 2026-06-30), net income was $10.5M and diluted EPS $0.73, versus $9.1M and $0.62 in fiscal Q2 2025. The FairStock Lynch category is STALWART: steady growth, with profit 18.3% a year over five years and revenue 5.4%. But the Piotroski F-Score is only 3/9, a yellow flag on fundamental momentum. As a bank, I cannot judge credit risk properly without CET1, NIM, efficiency ratio, nonperforming loans, reserves, and charge-offs—none are in the data. The price is not demanding, but this is a show-me bank: cheapness must be earned by consistent underwriting and capital strength.

In plain English: PCB Bancorp is the parent of a bank that serves small and mid-sized businesses and individuals. The business looks reasonably steady and pays a decent dividend, but a key safety check is weak and some important banking details are not available. At the current price, the stock looks fair to somewhat cheap compared with its profits and net worth.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer