Should You Buy PCB Bancorp (PCB) Today? Analysis, Price Targets, and 2026 Outlook.
Conclusion
Buy
Latest Price
22.440
1 Day change
1.91%
52 Week Range
24.040
Analysis Updated At
2026/01/30
BUY now (pre-market ~$22.02). PCB is trading just below the key pivot (22.26) and close to support (S1 21.58), while fundamentals are improving strongly YoY (Q4’25 EPS +39% YoY; net income +37% YoY). Options positioning is skewed bullish on open interest (put/call 0.54). With no Intellectia buy signal today, this is not a “high-conviction momentum” setup, but it is a reasonable buy-the-support entry for an impatient investor looking for a near-term move back toward 22.95–23.37 resistance.
Technical Analysis
Trend/Setup: Neutral-to-slightly-bearish but stabilizing. MACD histogram is negative (-0.0215) yet negatively contracting, which typically signals downside momentum is fading. RSI(6) ~49.3 is neutral (no overbought/oversold edge). Moving averages are converging, consistent with consolidation rather than a strong trend.
Key levels: Price (~22.02) is below Pivot 22.26. Immediate support is S1 21.58 (then S2 21.15). Near-term upside levels are R1 22.95 and R2 23.37. A practical tactical view is a bounce-from-support attempt with upside room into the 22.95–23.37 zone if the market cooperates.
Options Data
Bullish
Open Interest Put-Call Ratio
Bullish
Option Volume Put-Call Ratio
Sentiment read: Open-interest put/call at 0.54 suggests relatively more call positioning than puts (bullish tilt). However, reported option volume is 0 today, so the signal is positioning-based rather than driven by fresh flow.
Volatility: 30D IV is very elevated (~92.93) with IV percentile ~93.2, implying the options market is pricing in outsized movement/risk (often around events or uncertainty).
Technical Summary
Sell
2
Buy
10
Positive Catalysts
- Recent earnings/news tone is broadly constructive: Q4 GAAP EPS $0.64 and revenue ~$29.17M framed as stable/transparent results.
- Q4 2025 profitability improved meaningfully YoY: net income +36.9% YoY and provision for credit losses cut ~50% (supports earnings quality vs. prior year).
- Pattern-based projection data provided indicates a favorable short-term bias (70% chance of gains with modeled upside over 1D/1W/1M).
Neutral/Negative Catalysts
- Q4 net income declined 19.2% quarter-over-quarter (sequential momentum not as strong as YoY).
- Deposits declined to $2.80B (could be interpreted as funding pressure or balance sheet repositioning).
- Broader tape is risk-off pre-market (S&P 500 -0.44%), which can dampen small-cap bank follow-through.
- Elevated implied volatility implies the market expects larger swings, which can cut both ways.
Financial Performance
Latest quarter: 2025/Q4. Growth trends are positive YoY: Revenue $28.48M (+11.21% YoY), Net Income $9.15M (+37.19% YoY), EPS $0.64 (+39.13% YoY). Balance sheet highlights from the news: total assets $3.28B; loans held-for-investment $2.82B; deposits $2.80B (down due to strategic adjustments). Overall, the quarter shows improving earnings power versus last year, with a notable reduction in credit loss provisioning, but with some sequential softness and deposit contraction to monitor.
Growth
Profitability
Efficiency
Analyst Ratings and Price Target Trends
No analyst rating/price target change data was provided, so a concrete trend read on upgrades/downgrades or target revisions cannot be made from this dataset. Wall Street-style pros/cons view based on available information: Pros—improving YoY profitability, lower credit provisioning, stable reported revenue. Cons—sequential earnings decline, deposits down, and the stock lacks a fresh institutional/insider accumulation signal in the provided trading trends (hedge funds and insiders shown as neutral).
Wall Street analysts forecast PCB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for PCB is 25.25 USD with a low forecast of 25 USD and a high forecast of 25.5 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
Wall Street analysts forecast PCB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for PCB is 25.25 USD with a low forecast of 25 USD and a high forecast of 25.5 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
0 Buy
3 Hold
0 Sell
Hold
Current: 22.020
Low
25
Averages
25.25
High
25.5
Current: 22.020
Low
25
Averages
25.25
High
25.5
Keefe Bruyette
Kelly Motta
Market Perform
maintain
$25
AI Analysis
2025-10-27
Reason
Keefe Bruyette
Kelly Motta
Price Target
$25
AI Analysis
2025-10-27
maintain
Market Perform
Reason
Keefe Bruyette analyst Kelly Motta raised the firm's price target on PCB Bancorp to $25 from $23.50 and keeps a Market Perform rating on the shares.
Piper Sandler
Neutral
maintain
$23 -> $24
2025-10-27
Reason
Piper Sandler
Price Target
$23 -> $24
2025-10-27
maintain
Neutral
Reason
Piper Sandler raised the firm's price target on PCB Bancorp to $24 from $23 and keeps a Neutral rating on the shares following quarterly results. The firm is increasing its 2025 / 2026 EPS estimates to $2.61 / $2.70 from $2.44 / $2.60 due to better fees, as well as both lower NIE and share count.
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