Stocks · Financial Services · Banks - Regional
PCB Bancorp PCB
$28.01 +0.68% Close, Oct 2, 2026 · NASDAQ · Market cap $398.7M
Strong trendInexpensive vs sector
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 8 quarters (average surprise over the last four: +11.9%).
- Diluted EPS over the last four quarters was $2.89, up 35.7% year over year.
- The stock is in an uptrend: above its 200-day average for 137 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth76Positive
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 50%
- EPS growth (TTM, YoY)Top 31%
- FCF growth (TTM, YoY)Top 20%
- Revenue growth, 3-year CAGRTop 27%
- Revenue growth accelerationBottom 33%
Quality36Weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 48%
- Gross marginBottom 29%
- Operating marginTop 35%
- Cash conversion (OCF / net income)Bottom 37%
- Accruals (lower is better)Bottom 34%
- Net debt / EBITDA (lower is better)Top 49%
- Interest coverBottom 34%
Value85Strong
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 15%
- Free-cash-flow yieldTop 34%
- EBITDA / enterprise valueTop 16%
- Sales / enterprise valueTop 30%
- P/E vs own 5-year history (lower is better)Bottom 45%
Momentum89Strong
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 20%
- 6-month returnTop 18%
- 1-year return vs S&P 500Top 17%
- Distance from 52-week highTop 45%
- Trend checklist (0–4)Top 11%
Revisions44Weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 23%
- Consecutive EPS beatsTop 13%
- Share of analysts rating BuyBottom 14%
- Upside to consensus price targetBottom 6%
Stability57Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 46%
- Maximum drawdown, 3 yearsTop 33%
- Beta vs S&P 500 (lower is better)Bottom 46%
- Net debt / EBITDA (lower is better)Top 49%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 8.8% | 6.3% | ↓ |
| EPS growth (YoY) | 43.3% | 35.7% | ↓ |
| Gross margin | 51.1% | 55.7% | ↑ |
| Operating margin | 22.2% | 27.5% | ↑ |
| FCF margin | 10.7% | 19.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 6.3% | 8.8% | ↓ | Bottom 50% |
| EPS growth (TTM, YoY) | 35.7% | 43.3% | ↓ | Top 31% |
| Gross margin | 55.7% | 51.1% | ↑ | Bottom 29% |
| Operating margin | 27.5% | 22.2% | ↑ | Top 35% |
| Net margin | 19.7% | 15.8% | ↑ | — |
| Free-cash-flow margin | 19.3% | 10.7% | ↑ | — |
| Return on invested capital | 1.2% | — | Bottom 48% | |
| Revenue growth, 3-year CAGR | 21.7% | — | Top 27% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.99×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.5%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -9.1 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.23×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.01%
- Net buyback yield (TTM)
- 1.84%
- Shareholder yield
- 4.84%
- Share count change, 1 year
- -1.0%
- Share count change, 3-year CAGR
- -0.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 8
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +11.9%
- Average 2-day reaction, last 8
- -0.8%
- Positive 20 days after report
- 7 of 8
Analysts
- Consensus price target
- $26.00
- Target vs current price
- -7.2%
- Analysts with a rating
- 5
- Share rating Buy or Strong Buy
- 20%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +4.3% | -0.7% | -3.7% | -4.9% | — |
| Apr 23, 2026 | +10.4% | -0.6% | +0.5% | +1.5% | +23.2% |
| Jan 29, 2026 | +4.9% | +2.2% | +9.5% | +6.2% | +11.2% |
| Oct 23, 2025 | +27.9% | -1.2% | +3.3% | +3.6% | +5.7% |
| Jul 24, 2025 | +3.3% | -3.5% | -3.0% | +0.8% | -7.8% |
| May 23, 2025 | — | -1.5% | -2.3% | +3.7% | +9.0% |
| Apr 24, 2025 | +3.9% | -0.4% | +3.0% | +6.3% | +13.6% |
| Oct 24, 2024 | +15.6% | -0.8% | +2.7% | +13.7% | +5.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.73 | $0.70 | +4.3% | $30.7M |
| Apr 23, 2026 | $0.74 | $0.67 | +10.4% | $30.2M |
| Jan 29, 2026 | $0.64 | $0.61 | +4.9% | $29.2M |
| Oct 23, 2025 | $0.78 | $0.61 | +27.9% | $30.4M |
| Jul 24, 2025 | $0.62 | $0.60 | +3.3% | $29.3M |
| May 23, 2025 | $0.54 | — | — | $49.5M |
| Apr 24, 2025 | $0.53 | $0.51 | +3.9% | $26.9M |
| Oct 24, 2024 | $0.52 | $0.45 | +15.6% | $25.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 9.7× | 8.8× | 62th | Top 15% |
| P/E (forward) | 9.5× | — | — | — |
| EV / EBITDA | 7.6× | — | — | Top 16% |
| EV / Sales | 2.24× | — | — | Top 30% |
| Free-cash-flow yield | 10.28% | — | — | Top 34% |
| Earnings yield | 10.32% | — | — | Top 15% |
P/E over the past five years
Range 5.7× – 12.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +33.8%
- Earnings per share growth (TTM)
- +35.7%
- Change in P/E multiple
- -0.5%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 137
- 50-day average slope (20 days)
- -1.7%
- 200-day average slope (20 days)
- +2.4%
- Distance from 50-day average
- +0.6%
- Distance from 200-day average
- +11.8%
- RSI (14)
- 54.6
- Relative volume
- 0.91×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.8%
- Volatility vs own 5-year history
- 1th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.73
- Correlation with S&P 500
- 0.47
- Current drawdown from 1-year high
- -8.5%
- Maximum drawdown, 3 years
- -23.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 8, 2022 | Apr 21, 2023 | -48.4% | 301 days | 785 days (Jun 9, 2026) |
| Mar 12, 2021 | Apr 22, 2021 | -13.1% | 28 days | 16 days (May 14, 2021) |
| Nov 10, 2020 | Jan 4, 2021 | -12.8% | 36 days | 11 days (Jan 20, 2021) |
| Jul 16, 2026 | Sep 23, 2026 | -11.3% | 48 days | Not yet recovered |
| Aug 11, 2021 | Aug 30, 2021 | -10.8% | 13 days | 43 days (Oct 29, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $398.7M
- P/E (TTM)
- 9.7
- EPS, diluted (TTM)
- $2.89
- Revenue (TTM)
- $212.7M
- Dividend yield
- 3.07%
- 52-week range
- $19.70 – $30.84
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $99.9M | $116.3M | $161.9M | $191.9M | $209.4M |
| Gross profit | $100.2M | $100.5M | $99.3M | $96.3M | $111.7M |
| Operating income | $57.0M | $49.4M | $43.3M | $36.3M | $52.5M |
| Net income | $40.1M | $35.0M | $30.7M | $25.8M | $37.5M |
| EPS (diluted) | $2.62 | $2.32 | $2.12 | $1.74 | $2.58 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $48.6M | $49.4M | $49.5M | $52.6M | $54.9M | $52.4M | $52.2M | $53.2M |
| Net income | $7.8M | $7.0M | $7.7M | $9.1M | $11.4M | $9.2M | $10.7M | $10.5M |
| EPS (diluted) | $0.52 | $0.46 | $0.53 | $0.62 | $0.78 | $0.64 | $0.74 | $0.73 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$1.6M | $57.3M | $63.3M | $39.0M | $26.6M |
| Capital expenditure | -$430,000 | -$5.5M | -$1.3M | -$4.1M | -$2.2M |
| Free cash flow | -$2.0M | $51.8M | $62.0M | $34.9M | $24.4M |
| Dividends paid | -$6.7M | -$8.9M | -$9.9M | -$10.3M | -$11.5M |
| Net share buybacks | -$10.9M | -$6.7M | -$8.8M | -$222,000 | -$4.9M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $30.9M
- Total assets
- $3.47B
- Total liabilities
- $3.07B
- Total debt
- $107.7M
- Net debt
- $76.8M
- Shareholders’ equity
- $400.5M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 7, 2026 | $0.22 | Aug 14, 2026 |
| May 8, 2026 | $0.22 | May 15, 2026 |
| Feb 13, 2026 | $0.22 | Feb 20, 2026 |
| Nov 7, 2025 | $0.20 | Nov 14, 2025 |
| Aug 8, 2025 | $0.20 | Aug 15, 2025 |
| May 9, 2025 | $0.20 | May 16, 2025 |
| Feb 14, 2025 | $0.20 | Feb 21, 2025 |
| Nov 8, 2024 | $0.18 | Nov 15, 2024 |
Short interest
- Shares sold short
- 272,611
- Days to cover
- 10.23
- Change vs previous report
- +5.1%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Dec 28, 2016
- 11-for-10
- Feb 25, 2015
- 10-for-11
- Mar 19, 2014
- 3-for-1
- Mar 30, 2007
- 1-for-2