📊 PCB Key Takeaways
Is Pcb Bancorp (PCB) a Good Investment?
PCB BANCORP faces severe operational headwinds with revenue collapsing 98.5% YoY, indicating significant business disruption or structural changes that undermine confidence despite positive net income growth. Weak interest coverage of 2.3x and unrealistic margin metrics (1810% operating margin) suggest data quality issues and hidden risks that warrant caution.
Why Buy Pcb Bancorp Stock? PCB Key Strengths
- Positive net income growth of 47.8% YoY with EPS growth of 48.3%
- Strong balance sheet with minimal debt (0.00x Debt/Equity ratio)
- Positive free cash flow generation of $24.4M with $207.1M in cash reserves
PCB Stock Risks: Pcb Bancorp Investment Risks
- Catastrophic 98.5% YoY revenue decline indicating major operational disruption or business model failure
- Weak interest coverage ratio of 2.3x provides insufficient cushion for debt service obligations
- Unrealistic profitability margins (1810% operating margin, 1291% net margin) suggest accounting anomalies, one-time gains, or data quality issues obscuring true operational performance
Key Metrics to Watch
- Quarterly revenue trend to determine if decline stabilizes or continues deteriorating
- Interest coverage ratio improvement and sources of interest income
- Composition of net income to identify whether growth is sustainable or driven by one-time items
Pcb Bancorp (PCB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 841.5% 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 appears fundamentally strong 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 |
|---|---|---|---|
| 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 |
| Q2 2023 | $628.0K | $7.5M | $0.52 |
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 rating of SELL with 65% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PCB's key strengths?
Claude: Positive net income growth of 47.8% YoY with EPS growth of 48.3%. Strong balance sheet with minimal debt (0.00x Debt/Equity ratio).
What are the risks of investing in PCB?
Claude: Catastrophic 98.5% YoY revenue decline indicating major operational disruption or business model failure. Weak interest coverage ratio of 2.3x provides insufficient cushion for debt service obligations.
What is PCB's revenue and growth?
Pcb Bancorp reported revenue of $2.9M.
Does PCB pay dividends?
Pcb Bancorp pays dividends, with $11.5M 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 $2.58.
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 rating reflects both perspectives for balanced insights.
Is PCB a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Pcb Bancorp has a SELL rating with 65% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is PCB stock overvalued or undervalued?
Valuation metrics for PCB: ROE of 9.6% (sector avg: 12%), net margin of 1,291.9% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy PCB stock in 2026?
Our dual AI analysis gives Pcb Bancorp a combined SELL rating 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 $26.6M, with capital expenditures of $2.2M. FCF margin is 841.5%.
How does PCB compare to other Finance stocks?
Vs Finance sector averages: Net margin 1,291.9% (avg: 25%), ROE 9.6% (avg: 12%), current ratio N/A (avg: 1.2).