ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is PCB Bancorp ?
1
High Profitability with a Net Interest Margin of 8.45%
2
The Bank has a high Capital Adequacy Ratio of 15.36% signifying high buffers against its risk based assets
3
Flat results in Dec 25
- OPERATING CASH FLOW(Y) Lowest at USD 23.67 MM
- ROCE(HY) Lowest at 1.17%
4
With ROA of 0.82%, it has a very attractive valuation with a 0.80 Price to Book Value
- Over the past year, while the stock has generated a return of 15.82%, its profits have risen by 44.5% ; the PEG ratio of the company is 0.2
5
High Institutional Holdings at 42.17%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- 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
15.82%
1.76
28.48%
S&P 500
11.87%
0.62
19.30%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
19.89%
EBIT Growth (5y)
13.50%
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
31.01%
Pledged Shares
0
Institutional Holding
42.17%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
0.80
EV to EBIT
2.20
EV to EBITDA
2.13
EV to Capital Employed
0.59
EV to Sales
0.56
PEG Ratio
0.19
Dividend Yield
0.18%
ROCE (Latest)
26.77%
ROE (Latest)
9.55%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
ROCE(HY)
Highest at 1.17%
NET PROFIT(9M)
Higher at USD 29.55 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 23.67 MM
ROCE(HY)
Lowest at 1.17%
Here's what is working for PCB Bancorp
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Profit
Higher at USD 29.55 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
Here's what is not working for PCB Bancorp
Operating Cash Flow
Lowest at USD 23.67 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)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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