PCB Valuation

PCB Bancorp

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22.390

+0.97(4.528%)1D

Overview
Forecast
Valuation
Earnings

PCB Relative Valuation

PCB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, PCB is overvalued; if below, it's undervalued.

Historical Valuation

PCB Bancorp (PCB) is now in the Fair zone, suggesting that its current forward PE ratio of 9.06 is considered Fairly compared with the five-year average of 8.72. The fair price of PCB Bancorp (PCB) is between 18.83 to 24.83 according to relative valuation methord.

Relative Value

Fair Zone

18.83-24.83

Current Price：22.39

Fair

8.95

Trailing

Forward

0.00

EV/EBITDA

PCB Bancorp. (PCB) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

PCB Bancorp. (PCB) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

2.52

PCB Bancorp. (PCB) has a current PS of 2.52. The 5-year average PS is 2.48. The thresholds are as follows: Strongly Undervalued below 1.68, Undervalued between 1.68 and 2.08, Fairly Valued between 2.88 and 2.08, Overvalued between 2.88 and 3.27, and Strongly Overvalued above 3.27. The current Forward PS of 2.52 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

PCB Bancorp. (PCB) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

PCB Bancorp. (PCB) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

PCB Bancorp (PCB) has a current Price-to-Book (P/B) ratio of 1.00. Compared to its 3-year average P/B ratio of 0.90 , the current P/B ratio is approximately 11.72% higher. Relative to its 5-year average P/B ratio of 0.96, the current P/B ratio is about 4.53% higher. PCB Bancorp (PCB) has a Forward Free Cash Flow (FCF) yield of approximately 6.98%. Compared to its 3-year average FCF yield of 17.09%, the current FCF yield is approximately -59.12% lower. Relative to its 5-year average FCF yield of 12.38% , the current FCF yield is about -43.59% lower.

0.99

P/B

Median3y

0.90

Median5y

0.96

6.95

FCF Yield

Median3y

17.09

Median5y

12.38

Competitors Valuation Multiple

The average P/S ratio for PCB's competitors is 2.36, providing a benchmark for relative valuation. PCB Bancorp Corp (PCB) exhibits a P/S ratio of 2.52, which is 6.61% above the industry average. Given its robust revenue growth of 20.87%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

West Bancorporation Inc

Bankwell Financial Group Inc

Citizens & Northern Corp

2.64

7.53%

317.90M

Performance Decomposition

Market capitalization of PCB increased by 18.51% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 23.68M to 28.62M.

The secondary factor is the Margin Expansion, contributed 19.49%to the performance.

Overall, the performance of PCB in the past 1 year is driven by Revenue Growth. Which is more sustainable.

20.87%

23.68M → 28.62M

Revenue Growth

19.49%

26.53 → 31.70

Margin Expansion

-21.85%

12.81 → 10.01

P/E Change

18.51%