CZFS (64) FCBM (50) FNLC (69) GBC (59) ⌘ Pro Terminal →

PCB Bancorp (PCB) — RQD Stock Rating Cockpit

$29.10 +0.45% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

PCB Bancorp (PCB) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $408.7M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C- · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+4.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PCB)Realized 20D OHLCV Swing Band: ±5.2%

RSI-14 MOMENTUMBULLISH MOMENTUM

67.330 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE83% OF RANGE

L: $21$29.10H: $31

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 9 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C+RQD 27 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B+RQD 31 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on PCB

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (45)

9.6% ROIC with 42.0% gross margin and 5.97% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (75)

27/40 institutional & smart-money positioning score with 18/20 macro alignment.

Bull Case: Why Buyers Like PCB

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (PCB Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

PCB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +20.60%▲ RESISTANCE BREAKOUT

2026-10-30O $29.99H $29.99L $29.10C $29.10VOL 35.8K

RES: $28.82SUP: $26.55SMA50: $27.92SMA200: $25.66

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PCB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PCB Butterfly Map → + Track PCB →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

0.6%/yr Implied 5Y Growth

vs. +4.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on PCB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PCB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for PCB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PCB)

Financials Rank #258 of 1096 ⚔️ CZFS vs PCB Full Matrix →

1. Head-to-Head Financials Peer Comparison (PCB vs. CZFS, FCBM, FNLC, GBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, PCB Bancorp (PCB) ranks #258 by composite RQD confidence (67/100, grade C+) and #742 by equity capitalization ($408.7M). Within this direct 5-issuer industry benchmark cohort, PCB leads on earnings valuation at 10.9x trailing P/E, while FNLC leads on capital efficiency and profitability with 12.1% ROIC and — gross margin. FNLC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with PCB at 67/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PCB ACTIVE PCB Bancorp	C+	67/100	10.9x	—	9.6%	+0.45%	$408.7M	Benchmark Subject
CZFS Citizens Financial Services Inc.	C	64/100	11.2x	—	10.8%	+1.26%	$408.4M	/czfs-vs-pcb →
FCBM First Carolina Financial Services Inc.	D	50/100	—	—	—	+0.61%	$407.3M	/fcbm-vs-pcb →
FNLC First Bancorp Inc (ME)	C+	69/100	12.0x	—	12.1%	+0.77%	$412.5M	/fnlc-vs-pcb →
GBC Georgia Banking Company Inc.	C-	59/100	—	—	—	0.00%	$395.8M	/gbc-vs-pcb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001423869

In its most recent audited fiscal period (FY2025, filed 2025-12-31), PCB Bancorp (PCB) reported GAAP revenue of $2.9M (+4.5% vs. FY2024 revenue of $2.8M , and +9.4% cumulative change since FY2023) , GAAP net income of $37.5M, operating cash flow of $26.6M, and free cash flow of $24.4M (-30.1% YoY). On the balance sheet, PCB closed FY2025 with $3.28B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$2.9M	$37.5M	$26.6M	$24.4M	$3.28B	—
FY2024 (FY)	2024-12-31	$2.8M	$25.8M	$39.0M	$34.9M	$3.06B	—
FY2023 (FY)	2023-12-31	$2.6M	$30.7M	$63.3M	$63.3M	—	—

3. PCB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PCB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, PCB Bancorp (NASDAQ: PCB) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $29.10 (+0.45% 1D, market cap $408.7M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, PCB ranks #258 in composite RQD confidence.

How does PCB compare to CZFS and FCBM in the Financials sector?

Within the Financials sector (Major Banks), PCB carries a Roarable C+ (67/100 RQD), trailing P/E of 10.9x, gross margin of —, and ROIC of 9.6%. By comparison, CZFS (Citizens Financial Services Inc.) holds a C grade (64/100 RQD, P/E 11.2x, ROIC 10.8%, cap $408.4M) and FCBM (First Carolina Financial Services Inc.) posts a D grade (50/100 RQD, P/E N/A, ROIC —, cap $407.3M). Among the 5-stock peer group, PCB leads on earnings multiple (10.9x) while FNLC leads on capital efficiency (12.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PCB?

Per PCB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001423869), PCB Bancorp generated $2.9M in revenue (+4.5% YoY), $37.5M in net income, and $24.4M in free cash flow against $3.28B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PCB trading relative to its 50-day, 200-day, and 52-week technical levels?

PCB last traded at $29.10 (+0.45% on volume of 44,857 shares), positioning the stock +4.23% above its 50-day simple moving average ($27.92) and +13.41% above its 200-day simple moving average ($25.66). Across its 52-week range of $20.87 to $30.84, PCB sits at the 82.5% percentile with a 14-day RSI of 67.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.2% ($27.59 to $30.61).

PCB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell PCB stock right now?

PCB Bancorp (PCB) currently earns a Roarable Rating of C+ (Hold — HOLD) with 67/100 RQD Confidence. Solid steady margins (10% return on capital), mixed timing at 11x P/E—hold if owned, no rush to chase.

What is PCB's 12-month price target and RQD AI Jury consensus?

PCB's 12-month base price target is $30.28 (range $23.62 to $35.73), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: PCB RQD Cockpit PCB 12M Forecast PCB Earnings & Move PCB Dividends & DRIP PCB Insiders & 13F PCB Whale Options PCB Profit Sankey PCB News & Why