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PCB Bancorp (PCB) Fair Value & Analysis

Financial Services · US · Market cap $381M

Price$27.95
Fair Value$34.20
Upside+22.4%
Quality95/100
Evidence: High Range $25.65 – $42.76

Fair value as of: Jun 26, 2026

Analysis

PCB Bancorp (PCB) currently trades at $27.95, while our model-based Fair Value estimate is $34.20 — implying the stock looks roughly 22.4% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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. 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;…

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Frequently asked questions

Is PCB Bancorp (PCB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $34.20 versus a price of $27.95 — about +22% (undervalued). Model-based estimate, not financial advice.
What is the fair value of PCB?
Our 21-model fair value for PCB Bancorp is $34.20 (as of Jun 26, 2026), built from audited fundamentals. The current price is $27.95.
What is the quality score of PCB?
PCB Bancorp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.