Stocktoria

PCB BANCORP PCB

Nasdaq · stock · State Commercial Banks · website · IPO 2003-11-26 · LEI

PCB BANCORP statistics & valuation

Market cap$399.6M
P / E10.7×
P / B1.0×
P / FCF16.4×
Dividend yield2.87%
Net margin1291.9%
Return on equity9.6%
FCF margin841.5%
Graham number +41.6%$39.82

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($39.82); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
745.90% 996.40% 945.00% 725.00% 1692.80% 1324.30% 1158.70% 930.40% 1291.90% 201720182019202020212022202320242025
Gross margin (%)
201720182019202020212022202320242025
Operating margin (%)
201720182019202020212022202320242025
Return on equity (%)
11.50% 11.60% 10.60% 6.90% 15.60% 10.40% 8.80% 7.10% 9.60% 201720182019202020212022202320242025
Shares outstanding
13.5M 16.0M 16.2M 15.4M 15.3M 15.1M 14.4M 14.4M 14.3M 201720182019202020212022202320242025
Net debt ($)
201720182019202020212022202320242025
Share buybacks ($)
201720182019202020212022202320242025
Return on assets (%)
1.10% 1.40% 1.40% 0.80% 1.90% 1.40% 1.10% 0.80% 1.10% 201720182019202020212022202320242025
Free cash flow margin (%)
906.30% 1211.30% 1152.90% 686.20% -86.40% 1961.20% 2340.70% 1258.50% 841.50% 201720182019202020212022202320242025
Debt / equity (×)
201720182019202020212022202320242025
EPS ($)
$1.21 $1.65 $1.49 $1.04 $2.62 $2.31 $2.12 $1.74 $2.58 201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

PCB BANCORP trades at about 10.9× earnings — near its 10-year norm (10-year range 7.9×–11.4×, median 10×).

7.9× 11.4×

Shaded band = 10-year range (7.9×–11.4×); dot = today's 10.9×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Net margin1291.9%930.4%1158.7%1324.3%1692.8%725.0%945.0%996.4%745.9%
FCF margin841.5%1258.5%2340.7%1961.2%-86.4%686.2%1152.9%1211.3%906.3%
Return on assets1.1%0.8%1.1%1.4%1.9%0.8%1.4%1.4%1.1%
Return on equity9.6%7.1%8.8%10.4%15.6%6.9%10.6%11.6%11.5%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.