PCB Bancorp (PCB) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of PCB Bancorp stock $25.70, price $30.04, that is 14.4% below the price, quality 54 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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PCB Bancorp
PCB · USOur calculation puts a fair price 14% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $11.34 – $30.95 · fair‑value band $22.83 – $30.73 · the $30.04 price screens above the $25.70 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 6, 2026.
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Company profile
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.
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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.
Stock analysis
PCB Bancorp (PCB) currently trades at $30.04, while our model-based Fair Value estimate is $25.70, 14% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $30.43 per share, and 1 of the 6 models we run sit above the $30.04 price.
Bear case: the Dividend Discount group reads lowest at $13.06, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $22.83 (bear) to $30.73 (bull), the price of $30.04 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 54/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
PCB Bancorp reported revenue of $209M in FY2025 versus $99.9M in FY2021, a compound +20.3%/yr. Reported net income was $37.5M in FY2025, compounding −1.7%/yr from FY2021.
Key figures
Market cap $427M Small · P/E ratio 10.1 · P/S ratio 3.54 · EPS (TTM) $2.96 · Dividend yield 2.9% · Net margin 35.3% · Return on equity 10.8% · Return on assets (EBIT) 1.8% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (low confidence).
What moves the price
The share trades about 3% below its 52-week high and 45% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −14%, PCB screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, no officer or director bought or sold shares on the open market.
- BuySang Young LeeDirector, 10% owner4× since Feb 23, 2026: 18,709 shares, avg. $22.36$418,400Mar 6, 2026
Plus 3 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
PCB screens overvalued: fair value 14% below the price. Compare with China Merchants Bank Co →
Earlier news
- PCB Bancorp (PCB) Tops Q3 Earnings and Revenue Estimates
- PCB Bancorp announces 700K-share buyback plan through 2027
- Reminder - PCB Bancorp (PCB) Goes Ex-Dividend Soon
Compare PCB Bancorp with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Return on assets by industry
- Fair value gap by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs PCB |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs PCB |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs PCB |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs PCB |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs PCB |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs PCB |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs PCB |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs PCB |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs PCB |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs PCB |
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Frequently asked questions
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Key figures of PCB Bancorp
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