ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is PCB Bancorp ?
1
High Profitability with a Net Interest Margin of 6.99%
2
The Bank has a high Capital Adequacy Ratio of 15.36% signifying high buffers against its risk based assets
3
Positive results in Jun 25
- NII(Q) Highest at USD 25.99 MM
- NET SALES(Q) Highest at USD 49.31 MM
- CASH AND EQV(HY) Highest at USD 70.46 MM
4
With ROA of 0.68%, it has a fair valuation with a 0.75 Price to Book Value
- Over the past year, while the stock has generated a return of 4.24%, its profits have risen by 15.2% ; the PEG ratio of the company is 0.6
5
High Institutional Holdings at 43.22%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to PCB Bancorp should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is PCB Bancorp for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
PCB Bancorp
0.93%
1.78
28.50%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.83%
EBIT Growth (5y)
8.76%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
41.42%
Pledged Shares
0
Institutional Holding
43.22%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
0.75
EV to EBIT
1.76
EV to EBITDA
1.68
EV to Capital Employed
0.43
EV to Sales
0.37
PEG Ratio
0.64
Dividend Yield
0.21%
ROCE (Latest)
24.24%
ROE (Latest)
7.77%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
NII(Q)
Highest at USD 25.99 MM
NET SALES(Q)
Highest at USD 49.31 MM
CASH AND EQV(HY)
Highest at USD 70.46 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 12.67 MM
OPERATING PROFIT MARGIN(Q)
Highest at 25.7 %
PRE-TAX PROFIT(Q)
Highest at USD 12.67 MM
NET PROFIT(Q)
Highest at USD 9 MM
EPS(Q)
Highest at USD 0.62
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 24.07 MM
GROSS NPA (%)
(Q
Here's what is working for PCB Bancorp
NII
Highest at USD 25.99 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 49.31 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Profit
Highest at USD 12.67 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 25.7 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 12.67 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 9 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.62
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 70.46 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for PCB Bancorp
Operating Cash Flow
Lowest at USD 24.07 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Non Performing Loans (%)
Highest at 0.32%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Capital Adequacy Ratio
Lowest at 13.6%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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