PCB Bancorp (PCB) Financial Ratios
23 years of historical data (2003–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
7.39
↑+119% vs avg
5yr avg: 3.37
30Y Low1.7·High6.8
P/FCF
↑
13.29
↑+78% vs avg
5yr avg: 7.45
30Y Low2.4·High12.0
P/B Ratio
↓
0.88
-2% vs avg
5yr avg: 0.89
30Y Low0.7·High1.7
ROE
↓
9.9%
-9% vs avg
5yr avg: 10.9%
30Y Low-33%·High30%
Debt/EBITDA
↑
1.37
↑+61% vs avg
5yr avg: 0.85
30Y Low0.1·High4.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
PCB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
PCB Bancorp trades at 9.3x earnings, roughly in line with its 5-year average of 8.9x, sitting at the 33rd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.0x, the stock trades at a discount of 29%. On a free-cash-flow basis, the stock trades at 13.3x P/FCF, 78% above the 5-year average of 7.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $341M | $309M | $290M | $266M | $266M | $335M | $156M | $279M | $230M | $186M | $144M |
| Enterprise Value | $388M | $356M | $125M | $83M | $146M | $149M | $51M | $163M | $97M | $152M | $74M |
| P/E Ratio → | 9.29 | 8.39 | 11.63 | 8.69 | 7.63 | 8.38 | 9.72 | 11.60 | 9.43 | 11.33 | 10.27 |
| P/S Ratio | 1.63 | 1.48 | 1.51 | 1.64 | 2.29 | 3.35 | 1.71 | 2.67 | 2.44 | 2.35 | 2.18 |
| P/B Ratio | 0.88 | 0.79 | 0.80 | 0.76 | 0.79 | 1.31 | 0.67 | 1.23 | 1.09 | 1.31 | 1.13 |
| P/FCF | 13.29 | 12.05 | 8.32 | 4.28 | 5.14 | — | 10.20 | 9.50 | 7.77 | 9.32 | 3.76 |
| P/OCF | 12.82 | 11.63 | 7.45 | 4.19 | 4.65 | — | 9.14 | 9.28 | 7.48 | 8.75 | 3.58 |
P/E links to full P/E history page with 30-year chart
PCB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
PCB Bancorp's enterprise value stands at 7.4x EBITDA, 119% above its 5-year average of 3.4x. The Financial Services sector median is 11.3x, placing the stock at a 35% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.70 | 0.65 | 0.51 | 1.26 | 1.49 | 0.55 | 1.56 | 1.03 | 1.92 | 1.12 |
| EV / EBITDA | 7.39 | 6.78 | 3.11 | 1.74 | 2.75 | 2.47 | 1.91 | 4.27 | 2.51 | 4.38 | 2.68 |
| EV / EBIT | 7.39 | 6.78 | 3.45 | 1.91 | 2.96 | 2.62 | 2.20 | 4.75 | 2.80 | 4.85 | 3.02 |
| EV / FCF | — | 13.87 | 3.59 | 1.33 | 2.82 | — | 3.30 | 5.55 | 3.29 | 7.63 | 1.93 |
PCB Profitability
Margins and return-on-capital ratios measuring operating efficiency
PCB Bancorp earns an operating margin of 25.1%, above the Financial Services sector average of 21.6%. Operating margins have compressed from 26.7% to 25.1% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 9.9% is modest. ROIC of 9.2% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 53.3% | 53.3% | 50.2% | 61.4% | 86.5% | 100.3% | 70.7% | 73.1% | 79.6% | 84.9% | 85.9% |
| Operating Margin | 25.1% | 25.1% | 18.9% | 26.7% | 42.5% | 57.0% | 25.1% | 32.8% | 36.9% | 39.6% | 37.0% |
| Net Profit Margin | 17.9% | 17.9% | 13.4% | 19.0% | 30.1% | 40.1% | 17.7% | 23.0% | 25.8% | 20.7% | 21.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.9% | 9.9% | 7.2% | 9.0% | 11.8% | 16.4% | 7.0% | 11.0% | 13.8% | 12.2% | 12.4% |
| ROA | 1.2% | 1.2% | 0.9% | 1.2% | 1.5% | 2.0% | 0.9% | 1.4% | 1.5% | 1.2% | 1.2% |
| ROIC | 9.2% | 9.2% | 6.8% | 8.4% | 11.7% | 14.3% | 6.0% | 10.4% | 12.3% | 15.2% | 16.3% |
| ROCE | 4.2% | 4.2% | 8.6% | 11.2% | 15.5% | 19.1% | 7.9% | 13.8% | 16.4% | 20.3% | 21.7% |
PCB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
PCB Bancorp carries a Debt/EBITDA ratio of 1.4x, which is manageable (67% below the sector average of 4.1x). Net debt stands at $47M ($72M total debt minus $25M cash). Interest coverage of just 0.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.18 | 0.18 | 0.09 | 0.17 | 0.08 | 0.07 | 0.38 | 0.13 | 0.14 | 0.28 | — |
| Debt / EBITDA | 1.37 | 1.37 | 0.84 | 1.25 | 0.50 | 0.29 | 3.34 | 0.78 | 0.77 | 1.15 | — |
| Net Debt / Equity | — | 0.12 | -0.45 | -0.53 | -0.36 | -0.73 | -0.45 | -0.51 | -0.63 | -0.24 | -0.55 |
| Net Debt / EBITDA | 0.89 | 0.89 | -4.10 | -3.87 | -2.26 | -3.08 | -3.99 | -3.04 | -3.41 | -0.97 | -2.54 |
| Debt / FCF | — | 1.82 | -4.73 | -2.95 | -2.32 | — | -6.90 | -3.95 | -4.48 | -1.69 | -1.83 |
| Interest Coverage | 0.56 | 0.56 | 0.39 | 0.69 | 4.08 | 13.14 | 1.70 | 1.44 | 1.94 | 3.10 | 3.48 |
PCB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.16x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.16 | 0.16 | 0.14 | 0.17 | 0.14 | 0.18 | 0.20 | 0.17 | 0.22 | 0.17 | 0.15 |
| Quick Ratio | 0.16 | 0.16 | 0.14 | 0.17 | 0.14 | 0.18 | 0.20 | 0.17 | 0.22 | 0.17 | 0.15 |
| Cash Ratio | 0.02 | 0.02 | 0.08 | 0.10 | 0.07 | 0.11 | 0.12 | 0.10 | 0.11 | 0.06 | 0.06 |
| Asset Turnover | — | 0.06 | 0.06 | 0.06 | 0.05 | 0.05 | 0.05 | 0.06 | 0.06 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
PCB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
PCB Bancorp returns 5.5% to shareholders annually — split between a 3.4% dividend yield and 2.1% buyback yield. The payout ratio of 30.6% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 10.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.4% | 3.7% | 3.5% | 3.7% | 3.4% | 2.0% | 3.9% | 1.4% | 0.8% | 0.9% | 1.0% |
| Payout Ratio | 30.6% | 30.6% | 39.8% | 32.3% | 25.6% | 16.6% | 38.0% | 16.4% | 7.2% | 9.8% | 9.9% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 10.8% | 11.9% | 8.6% | 11.5% | 13.1% | 11.9% | 10.3% | 8.6% | 10.6% | 8.8% | 9.7% |
| FCF Yield | 7.5% | 8.3% | 12.0% | 23.3% | 19.4% | — | 9.8% | 10.5% | 12.9% | 10.7% | 26.6% |
| Buyback Yield | 2.1% | 2.3% | 0.1% | 3.3% | 2.5% | 3.2% | 4.2% | 2.3% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 5.5% | 6.0% | 3.6% | 7.1% | 5.9% | 5.2% | 8.1% | 3.7% | 0.8% | 0.9% | 1.0% |
| Shares Outstanding | — | $14M | $14M | $14M | $15M | $15M | $15M | $16M | $15M | $14M | $13M |
Peer Comparison
Compare PCB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 PCBYou | $341M | 9.3 | 7.4 | 13.3 | 53.3% | 25.1% | 9.9% | 9.2% | 1.4 |
 HAFC | $886M | 11.8 | 8.4 | 4.3 | 57.5% | 24.3% | 10.0% | 7.4% | 2.5 |
 HOPE | $2B | 26.4 | 16.6 | 10.3 | 48.6% | 8.3% | 2.6% | 2.3% | 4.7 |
 RBB | $401M | 16.0 | 11.3 | 6.9 | 45.2% | 15.4% | 5.2% | 3.2% | 8.1 |
 BCAL | $598M | 9.6 | 7.0 | 10.5 | 79.4% | 37.8% | 11.6% | 10.6% | 0.8 |
 CTBI | $1B | 14.1 | 10.1 | 12.1 | 63.2% | 28.4% | 11.3% | 7.7% | 2.9 |
 CZWI | $203M | 14.4 | 15.3 | 19.6 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 BSVN | $405M | 9.5 | 2.8 | 8.8 | 70.2% | 41.4% | 18.6% | 18.3% | — |
 CHMG | $323M | 21.4 | 15.3 | 159.3 | 64.2% | 14.2% | 6.4% | 5.0% | 0.2 |
 FIS | $22B | 56.5 | 6.9 | 7.8 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 FISV | $29B | 8.6 | 6.5 | 6.7 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
| Financial Services Median | — | 13.0 | 11.3 | 10.5 | 63.7% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 23 years · Updated daily
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Start ComparisonPCB — Frequently Asked Questions
Quick answers to the most common questions about buying PCB stock.
What is PCB Bancorp's P/E ratio?
PCB Bancorp's current P/E ratio is 9.3x. The historical average is 9.9x. This places it at the 33th percentile of its historical range.
What is PCB Bancorp's EV/EBITDA?
PCB Bancorp's current EV/EBITDA is 7.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 3.2x.
What is PCB Bancorp's ROE?
PCB Bancorp's return on equity (ROE) is 9.9%. The historical average is 6.4%.
Is PCB stock overvalued?
Based on historical data, PCB Bancorp is trading at a P/E of 9.3x. This is at the 33th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is PCB Bancorp's dividend yield?
PCB Bancorp's current dividend yield is 3.35% with a payout ratio of 30.6%.
What are PCB Bancorp's profit margins?
PCB Bancorp has 53.3% gross margin and 25.1% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does PCB Bancorp have?
PCB Bancorp's Debt/EBITDA ratio is 1.4x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.