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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
PCB Bancorp (PCB) advanced +0.45% to $29.10, trading at 83% of its 52-week range ($20.87 – $30.84). Solid steady margins (10% return on capital), mixed timing at 11x P/E—hold if owned, no rush to chase.
PCB Bancorp (PCB) delivered earnings and revenue surprises of +14.87% and +1.43%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
LOS ANGELES (AP) — LOS ANGELES (AP) — PCB Bancorp (PCB) on Thursday reported net income of $12.The bank, based in Los Angeles, said it had earnings of 85 cents per share.
PCB Bancorp (NASDAQ:PCB) reported quarterly earnings of $0.85 per share which beat the analyst consensus estimate of $0.73 by 16.44 percent. This is a 8.97 percent increase over earnings of $0.78 per share from the same
California BanCorp (BCAL) delivered earnings and revenue surprises of 0.00% and -0.19%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does PCB Bancorp (PCB) have what it takes? Let's find out.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +4.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on PCB today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for PCB. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why PCB Stock advanced +0.45% Today — RQD Quant Desk Flash. Solid steady margins (10% return on capital), mixed timing at 11x P/E—hold if owned, no rush to chase.