PCB Bancorp
PCBFinancial ServicesNASDAQBanks - Regional
Scan Results
Daily timeframePCB 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 carries a $350.9M market cap, placing it firmly in the small-cap category. 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.
Market Cap
$350.9M
Beta
0.52
P/E (TTM)
8.84
P/E (Fwd)
7.99
EPS (TTM)
$2.79
EPS (Fwd)
$3.08
ROE
10.5%
ROA
1.2%
Cash
$267.4M
Total Debt
$68.3M
Free CF
—
52W Change
27.5%
Annual Financials
Cash vs Debt
The balance sheet looks solid with $267.4M in cash comfortably exceeding the $68.3M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. ROE of 10.5% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.2% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $104.1M to $115.7M.
With a beta below 0.7, PCB Bancorp typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. With cash comfortably exceeding debt, PCB has financial flexibility that may help navigate uncertain periods. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence PCB Bancorp's trajectory.