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PCB Bancorp
How the company evolved, year by year. Revenue and debt come from the annual reports — for most companies, the 10-K filings with the SEC since 2009; dividends from the payments themselves.
The bars are a balance on the closing date; the lines are what happened during the year. Revenue above equity is ordinary, not an anomaly — it means the company turns its capital over more than once a year.
Major managers that reported this stock in their latest 13F.
▲ +30.1% over 5Y.
today you would have $1,675.76▲ +67.6%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 8 closed years. Each multiple uses that year’s closing price and that year’s reported numbers — not today’s. The range is set by the annual reports on record.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $21.65 | $20.24 | $18.43 | $17.69 | $21.96 | $10.11 | $17.28 | $15.65 | |
| P/E | 9.1x | 8.4x | 11.6x | 8.7x | 7.7x | 8.4x | 9.7x | 11.6x | 9.5x |
| P/S | 2.8x | 2.7x | 2.9x | 2.7x | 2.4x |
Seven formulas applied to what the company reported. None of them predicts a price — each answers what the stock would be worth if its assumption held. The assumption is printed next to every number, because it is the assumption that produces the result.
Square root of 22.5 × earnings × book value — the two ceilings Graham proposed. Blind to intangibles, so it undervalues software and brands.
Earnings growing 19.9% a year plus a 3.2% dividend — Lynch adds the yield to the growth rate, so a payer is not priced like a company that returns nothing. Growth capped at 25%.
Median P/E of 13.4 among peers in the sector.
Median P/E of 9.1 across the years on record for this company itself. Answers whether it is cheap against its own past, which a whole sector trading low cannot flatter.
Cash flow growing 15.0% a year for 10 years, discounted at 10%, then 2.5% forever.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| TWFGTWFG, Inc. | $30.01 | 49.2x | 8.3x | — | 19.32% | $386.54M |
| CCCTColumbus Circle Capital Corp III | $9.83 | — | — | — | — | $383.35M |
| MTALMetals Acquisition Corp. II | $10.16 | — | — | — | — | $389.47M |
| CZFSCitizens Financial Services Inc | $80.98 |
PCB 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 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. It also provides real estate loans, including commercial and residential, small business administration (SBA), multifamily, business property, and construction loans; commercial and industrial loans, such as commercial term and lines of credit, and SBA commercial term, trade finance, home, and mortgage warehouse; consumer loans comprising residential mortgage and other consumer loans; and automobile loans, unsecured lines of credit, and term loans. In addition, the company offers access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; and mobile banking solutions, including remote check deposit and mobile bill pay. Further, it provides automated teller machines; cash management, debit and credit card, and online and mobile banking; and banking by telephone, mail, personal appointment, debit cards, direct deposit, and cashier's checks, as well as treasury management, wire transfer, and automated clearing house services. It operates through full-service branches and loan production offices. The company was formerly known as Pacific City Financial Corporation and changed its name to PCB Bancorp in July 2019. PCB Bancorp was founded in 2003 and is headquartered in Los Angeles, California.
Company description provided by Yahoo Finance.
| 3.4x |
| 2.0x |
| 3.3x |
| 3.3x |
| P/B | 0.8x | 0.8x | 0.8x | 0.8x | 0.8x | 1.3x | 0.7x | 1.2x | 1.2x |
| EPS | $2.58 | $1.74 | $2.12 | $2.31 | $2.62 | $1.04 | $1.49 | $1.65 |
| Dividend yield | 3.47% | 3.70% | 3.56% | 3.74% | 3.39% | 2.00% | 3.96% | 1.45% | 0.38% |
| Payout | 28.49% | 31.01% | 41.38% | 32.55% | 25.97% | 16.79% | 38.46% | 16.78% | 3.64% |
| Profit margin | 31.42% | 32.37% | 25.89% | 30.96% | 33.60% | 41.96% | 20.76% | 29.80% | 31.89% |
| ROE | 10.02% | 9.60% | 7.09% | 8.80% | 10.43% | 15.65% | 6.92% | 10.63% | 11.56% |
Median, not average: a single year of near-zero profit produces a P/E of 400 and would drag an average on its own. P/E years above 200x are left out, the same cut the fair price uses — so this median matches the “its own history” method below. Price and EPS have no median: they are series that grow.
Dividend growing 5.5% a year against a 7.0% required return, taken from the stock’s beta. The only method anchored on what the company pays rather than what it reports.
Not the average of the seven numbers above. Four of the seven start from the same earnings per share — Graham, Lynch, sector multiples and its own history — so averaging all seven would let one input count four times and drown out the others. Instead each family produces one number, and the fair price is the average of the families that answered. A family with two working formulas contributes their average, not two votes.
6 methods answered, across 3 families.
Every formula reads the same reported statements and they can be wrong together. The margin is room for that.
+106.1% from the average.
These are models, not forecasts, and not investment advice. Change one assumption and the number changes with it — that is a property of valuation, not a defect of this page.
| 9.5x |
| 1.1x |
| 2.52% |
| 12.32% |
| $389.5M |
| WENNWEN Acquisition Corp | $10.39 | 32.5x | — | — | — | $389.82M |
| RDAGRepublic Digital Acquisition Co | $10.40 | — | — | — | — | $390M |