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PCBPCB BancorpHold6.5·$28.51-1.99%
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PCB Bancorp (PCB) Stock Analysis

Catalyst-Driven edge

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $28.51, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.7% away).

PCB Bancorp operates as the bank holding company for PCB Bank that provides various banking products and services to small and middle market businesses and individuals in the United States. The company offers demand, savings, money market, time deposits, and certificates of... Read more

$28.51+0.7% A.UpsideScore 6.5/10#25 of 225 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield2.94%(5y avg 3.46%)Payout29.39%sustainable
Stop $27.01Target $28.70(resistance)A.R:R -1.3:1
Analyst target$27.00-5.3%2 analysts
$28.70our TP
$28.51price
$27.00mean
$26

Hold if already holding. Not a fresh buy at $28.51, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.7% away). Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 6.5/10, moderate confidence.

Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 19d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Thu, Jul 23, 202619d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
Attractive valuation
Strong growth profile
Risks
Analyst target reached - limited upside remaining
Near 52-week high (2.7% away)

Key Metrics

P/E (TTM)10.2
P/E (Fwd)9.2
Mkt Cap$406M
EV/EBITDA
Profit Mgn34.8%
ROE10.5%
Rev Growth17.6%
Beta0.49
Dividend2.94%
Rating analysts10

Quality Signals

Piotroski F8/9

Options Flow

P/C0.67bullish
IV81%elevated

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 ceiling hit

GatesA.R:R -1.3=NEGATIVEMomentum 5.6>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 19d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Aggressive
RSI
74 · Overbought
20D MA 50D MA 200D MAGOLDEN CROSSSupport $24.28Resistance $29.29

Price Targets

$27
$29
A.Upside+0.7%
A.R:R-1.3:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-19.5% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-23 (19d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is PCB stock a buy right now?

Hold if already holding. Not a fresh buy at $28.51, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.7% away). Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Target $28.70 (+0.7%), stop $27.01 (−5.6%), A.R:R -1.3:1. Score 6.5/10, moderate confidence.

What is the PCB stock price target?

Take-profit target: $28.70 (+0.7% upside). Target $28.70 (+0.7%), stop $27.01 (−5.6%), A.R:R -1.3:1. Stop-loss: $27.01.

What are the risks of investing in PCB?

Analyst target reached - limited upside remaining; Near 52-week high (2.7% away).

Is PCB overvalued or undervalued?

PCB Bancorp trades at a P/E of 10.2 (forward 9.2). TrendMatrix value score: 9.2/10. Verdict: Hold.

What do analysts say about PCB?

10 analysts cover PCB with a consensus score of 2.4/5. Average price target: $27.

What does PCB Bancorp do?PCB Bancorp operates as the bank holding company for PCB Bank that provides various banking products and services to...

PCB Bancorp operates as the bank holding company for PCB Bank that provides various banking products and services to small and middle market businesses and individuals in the United States. The company offers demand, savings, money market, time deposits, and certificates of deposit; and remote deposit capture, courier deposit and positive pay services, zero balance accounts, and sweep accounts. It also provides real estate loans, including commercial and residential, small business administration (SBA), multifamily, business property, and construction loans; commercial and industrial loans, such as commercial term and lines of credit, and SBA commercial term, trade finance, home, and mortgage warehouse; consumer loans comprising residential mortgage and other consumer loans; and automobile loans, unsecured lines of credit, and term loans. In addition, the company offers access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; and mobile banking solutions, including remote check deposit and mobile bill pay. Further, it provides automated teller machines; cash management, debit and credit card, and online and mobile banking; and banking by telephone, mail, personal appointment, debit cards, direct deposit, and cashier's checks, as well as treasury management, wire transfer, and automated clearing house services. It operates through full-service branches and loan production offices. The company was formerly known as Pacific City Financial Corporation and changed its name to PCB Bancorp in July 2019. PCB Bancorp was founded in 2003 and is headquartered in Los Angeles, California.

Related stocks: NBN (Northeast Bank) · BWFG (Bankwell Financial Group, Inc.) · NPB (Northpointe Bancshares, Inc.) · CUBI (Customers Bancorp, Inc) · COFS (ChoiceOne Financial Services, I)
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