PCB Bancorp (PCB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$28.14+0.29%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · PCB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -13.4% |
| Our one-year growth estimate | diamond | -26.3% |
Growth built into the price is above our model estimate.
The price assumes 12.9 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Model as of 2026-09-04 · Compared with 219 industry peers
PCB — earnings in line
Dated 2026-07-23
and in Exhibit 99.1 shall not be treated as “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as expressly stated by specific reference in such filing.
Why it matters: If deposits grow slower than this, it may show weak customer confidence. This can hurt future earnings.
Worry ifTotal deposits growth in Q3 2026 reported below 1%.
Less concerning ifTotal deposits growth in Q3 2026 exceeds 1%.
Why it matters: A drop in sector revenue growth may show bigger economic problems for PCB.
Worry ifSector revenue growth drops below 15% year over year.
Less concerning ifSector revenue growth remains above 15% year over year.
Why it matters: A cut would indicate financial strain and could hurt investor confidence in PCB Bancorp.
Worry ifManagement says the quarterly dividend will drop from $0.22 per share.
Less concerning ifManagement says the quarterly dividend will stay at $0.22 per share.
Why it matters: Better cash flow means the company is more efficient and financially healthy.
Supportive ifCash from operating activities is more than $5 million in Q3.
Worry ifCash from operating activities is less than $5 million.
Why it matters: Continued growth in net income shows strong performance and supports management's goals.
Supportive ifNet income for Q2 is over $10.65 million. This shows ongoing improvement.
Worry ifNet income for Q2 is below $10.65 million. This may show a slowdown.
Why it matters: A falling net interest margin can mean less profit from loans.
Worry ifQ3 net interest margin is below 3.30%. This shows pressure on loan profits.
Less concerning ifNet interest margin is above 3.30%. This shows steady loan profits.
Why it matters: If it drops below this level, it may show slower growth and less profit.
Worry ifNet income for common shareholders in Q3 is below $10 million.
Less concerning ifNet income for common shareholders in Q3 is above $10 million.
Why it matters: An increase means worse credit quality and possible losses in the future.
Worry ifProvision for credit losses for Q3 exceeds $1 million.
Less concerning ifProvision for credit losses for Q3 remains below $1 million.
Why it matters: Keeping the dividend shows strong money management. It also shows care for shareholders.
Supportive ifThe company declares a quarterly cash dividend of $0.22 per share in Q3.
Worry ifThe company reduces the quarterly cash dividend below $0.22 per share in Q3.
Why it matters: Slower asset growth could indicate challenges in loan and deposit growth.
Worry ifTotal assets grow less than 2% compared to the previous quarter.
Less concerning ifTotal assets grow 2% or more compared to the previous quarter.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$80 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $244 loss on $10,000 · 2.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,114 loss on $10,000 · 11.1% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.