📊 PCB Key Takeaways
Is Pcb Bancorp (PCB) a Good Investment?
PCB Bancorp exhibits critical operational stress with interest coverage of 0.7x, indicating inability to cover debt service from operations. ROE of 2.7% and ROA of 0.3% demonstrate severe asset underutilization, though significant data quality anomalies (implausible 1930% margins, revenue misreporting) limit confidence in the broader analysis.
Pcb Bancorp Key Strengths (PCB)
- Capital structure intact with $396.7M stockholders equity and zero long-term debt
- Positive operating cash flow of $20.7M provides cash generation despite profitability questions
- Net income growth of 47.8% YoY suggests recovery from depressed prior-year performance
PCB Stock Risks: Pcb Bancorp Investment Risks
- Interest coverage of 0.7x is unsustainable—operating income cannot cover interest obligations, indicating severe debt servicing stress
- ROE of 2.7% represents massive shareholder value destruction versus 8-12% industry standard for healthy community banks
- Critical data quality issues (1930% operating margin, 772K revenue for $3.4B bank) suggest fundamental reporting errors or accounting irregularities requiring immediate clarification
- ROA of 0.3% is critically low, indicating $3.4B asset base is not generating acceptable returns
Key Metrics to Watch
- Interest coverage ratio (must exceed 1.5x to indicate sustainability)
- Return on Equity (target 8%+ for viability)
- Net interest margin and verified revenue composition (resolve reporting anomalies)
Pcb Bancorp (PCB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 2,674.6% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
PCB Profit Margin, ROE & Profitability Analysis
PCB vs Finance Sector: How Pcb Bancorp Compares
How Pcb Bancorp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Pcb Bancorp Stock Overvalued? PCB Valuation Analysis 2026
Based on fundamental analysis, Pcb Bancorp has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Pcb Bancorp Balance Sheet: PCB Debt, Cash & Liquidity
PCB Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Pcb Bancorp's revenue has grown significantly by 14% over the 5-year period, indicating strong business expansion. The most recent EPS of $2.12 reflects profitable operations.
PCB Revenue Growth, EPS Growth & YoY Performance
PCB Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $666.0K | $7.7M | $0.53 |
| Q3 2025 | $735.0K | $7.8M | $0.52 |
| Q2 2025 | $605.0K | $6.3M | $0.43 |
| Q1 2025 | $666.0K | $4.7M | $0.33 |
| Q3 2024 | $690.0K | $7.0M | $0.49 |
| Q2 2024 | $605.0K | $6.3M | $0.43 |
| Q1 2024 | $609.0K | $4.7M | $0.33 |
| Q3 2023 | $690.0K | $7.0M | $0.46 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Pcb Bancorp Dividends, Buybacks & Capital Allocation
PCB SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Pcb Bancorp (CIK: 0001423869)
📋 Recent SEC Filings
❓ Frequently Asked Questions about PCB
What is the AI rating for PCB?
Pcb Bancorp (PCB) has an AI grade of C with 65% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PCB's key strengths?
Claude: Capital structure intact with $396.7M stockholders equity and zero long-term debt. Positive operating cash flow of $20.7M provides cash generation despite profitability questions.
What are the risks of investing in PCB?
Claude: Interest coverage of 0.7x is unsustainable—operating income cannot cover interest obligations, indicating severe debt servicing stress. ROE of 2.7% represents massive shareholder value destruction versus 8-12% industry standard for healthy community banks.
What is PCB's revenue and growth?
Pcb Bancorp reported revenue of $772.0K.
Does PCB pay dividends?
Pcb Bancorp pays dividends, with $3.1M distributed to shareholders in the trailing twelve months.
Where can I find PCB SEC filings?
Official SEC filings for Pcb Bancorp (CIK: 0001423869) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PCB's EPS?
Pcb Bancorp has a diluted EPS of $0.74.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is PCB's fundamental grade?
Based on our AI fundamental analysis in June 2026, Pcb Bancorp has a C grade with 65% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is PCB stock overvalued or undervalued?
Valuation metrics for PCB: ROE of 2.7% (sector avg: 12%), net margin of 1,379.9% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is PCB's AI grade for 2026?
Our dual AI analysis gives Pcb Bancorp a combined C grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is PCB's free cash flow?
Pcb Bancorp's operating cash flow is $20.7M, with capital expenditures of $28.0K. FCF margin is 2,674.6%.
How does PCB compare to other Finance stocks?
Vs Finance sector averages: Net margin 1,379.9% (avg: 25%), ROE 2.7% (avg: 12%), current ratio N/A (avg: 1.2).