Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
PCB Bancorp (PCB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$30.17-2.52%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
3.01 → 3.24 EPS · FY ending Dec 31, 2027 · 2 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 2 to 2; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for PCB yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Maintain quarterly dividend of $0.22 per share | A supporting condition in PCB Bancorp's published investment case. The stated target is >= $0.22 per share quarterly. | Intact | Dividend per share falls below $0.22 quarterly | Dividend per share: $0.22 per share FY2026-Q2; GAAP. Published target: >= $0.22 per share quarterly. The stored target says 2026-Q4; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 6, 20260.22 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
PCB is a smaller-cap financial company with a measured-growth thesis, rather than a clear turnaround or high-growth story. Its long-term thesis is intact after recent results, though progress on loan growth, credit quality, and expense control is mixed.
The valuation evidence points to PCB being cheap versus peers, but the priced-in tag is stretched, so these signals are not fully aligned. Expectations appear only modestly positive, and the low fragility reading suggests the setup is not flagged as especially vulnerable to a change in market conditions.
Near term, the latest earnings beat lifted company momentum, while the broader financial performance assessment remains neutral. Loan balances show limited progress, credit measures remain contained but have edged weaker, and expenses are rising faster than the prior-year comparison; a guidance cut is a key risk to watch.
Over the next few quarters, the thesis hinges on whether disciplined relationship-based growth can continue without weakening credit quality or adding too much cost. The rate backdrop and results from financial-sector peers are additional swing factors, alongside whether PCB avoids a guidance cut.
For a 1-to-3-year view, PCB’s thesis remains intact, but the cheap peer-relative valuation sits alongside stretched pricing signals and mixed operating progress. The main test is whether measured growth and credit discipline can coexist with better expense control. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Increase net income to at least $10.65 million | Net income rose from $9.24 million to $10.65 million recently. | Intact | Net income falls below $10 million next year | Net income: $10.507M FY2026-Q2; GAAP. Published target: >= $10.65 million net income. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 6, 202610,507,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Increase cash from operating activities to $20.68 million | Cash from operating activities jumped from $2.93 million to $20.68 million. | Intact | Operating cash flow falls below $15 million next year | Cash from operations: $1.35M FY2026-Q2; GAAP. Published target: >= $20.68 million cash from operations. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 6, 20261,350,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stabilize or grow revenue above -23% decline | A primary condition in PCB Bancorp's published investment case. The stated target is Revenue decline no worse than -10% YoY. | Intact | Revenue declines more than 10% year over year | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$3.07 → $3.24 · observed estimates
$0.14B → $0.14B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $3.07 | $137,100,000 | 3 / 2 |
| 2026-07-25 | $3.07 | $137,300,000 | 3 / 2 |
| 2026-07-26 | $3.07 | $137,300,000 | 3 / 2 |
| 2026-07-27 | $3.07 | $136,300,000 | 2 / 2 |
| 2026-07-28 | $3.07 | $137,300,000 | 3 / 2 |
| 2026-07-29 | $3.07 | $136,300,000 | 2 / 2 |
| 2026-07-30 | $3.00 | $133,633,330 | 3 / 3 |
| 2026-07-31 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-01 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-02 | $3.00 | $133,633,330 | 3 / 3 |
| 2026-08-03 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-04 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-05 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-06 | $3.00 | $133,633,330 | 3 / 3 |
| 2026-08-07 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-08 | $3.00 | $133,633,330 | 3 / 3 |
| 2026-08-09 | $3.00 | $133,633,330 | 3 / 3 |
| 2026-08-10 | $3.00 | $133,633,330 | 3 / 3 |
| 2026-08-12 | $3.00 | $133,633,330 | 3 / 3 |
| 2026-08-13 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-14 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-15 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-16 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-17 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-18 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-19 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-20 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-21 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-22 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-23 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-24 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-25 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-26 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-27 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-28 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-29 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-30 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-08-31 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-01 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-02 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-03 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-04 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-05 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-06 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-07 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-08 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-09 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-10 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-11 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-12 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-13 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-14 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-15 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-16 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-17 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-18 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-19 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-20 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-21 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-22 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-23 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-24 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-25 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-26 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-27 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-28 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-29 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-09-30 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-10-01 | $3.00 | $133,633,333 | 2 / 2 |
| 2026-10-02 | $3.01 | $133,633,333 | 2 / 2 |
| 2026-10-03 | $3.01 | $133,633,333 | 2 / 2 |
| 2026-10-04 | $3.01 | $133,633,333 | 2 / 2 |
| 2026-10-05 | $3.01 | $133,633,333 | 2 / 2 |
| 2026-10-06 | $3.01 | $133,633,333 | 2 / 2 |
| 2026-10-07 | $3.01 | $133,633,333 | 2 / 2 |
| 2026-10-08 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-09 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-10 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-11 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-12 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-13 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-14 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-15 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-16 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-17 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-18 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-19 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-20 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-21 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-22 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-23 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-24 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-25 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-26 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-27 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-28 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-29 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-30 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-10-31 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-11-01 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-11-02 | $3.03 | $133,633,333 | 2 / 2 |
| 2026-11-03 | $3.17 | $134,399,367 | 2 / 2 |
| 2026-11-04 | $3.24 | $135,399,367 | 2 / 2 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 0 Buy / Strong Buy · 3 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 0 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Review earnings4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.