Stock Ratings / Financials / PCB / earnings

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

PCB Bancorp (PCB) Next Earnings Date & Expected ±5.2% Move

$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%

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±5.2% Swing Band

±$1.51 Expected Swing

MODEL EARNINGS SETUP GAUGE

PCB Quantitative Pre-Earnings Setup: 67/100

Trailing EPS: $2.67 • YoY Revenue Growth: 4.5%

Model Bullish Setup (67/100)Model Risk Weight (33/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$2.9M	$37.5M	$24.4M	52%
FY 2024	2024-12-31	$2.8M	$25.8M	$34.9M	52%
FY 2023	2023-12-31	$2.6M	$30.7M	$63.3M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating PCB & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on PCB
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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

When is PCB's next earnings date?

Based on SEC filing cadence, PCB Bancorp (PCB)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is PCB stock expected to move on earnings?

Volatility modeling currently projects a ±5.2% event move for PCB, spanning a range between $27.59 and $30.61.

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