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PCB

PCB BancorpB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q2 loan and deposit growth, higher net interest income, and low reported nonperforming assets could support earnings if sustained; repurchases could add per-share support if executed. [#SEC-8K-2026-07-23] [#8-K-2026-09-28]
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.2.
What can break
Credit provisioning increased sequentially in Q2, while net interest margin declined slightly. [#SEC-8K-2026-07-23]
Momentum
47
Value
61
Sentiment
56
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $29.50 · Bull $33.00 · Bear $24.00Analysis 2026-10-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $30.50
Why
Momentum47 · Δ7d -
Value61 · Δ7d +0.2
Sentiment56 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta +0.2.

Contradictions & invalidation

  • • Credit provisioning increased sequentially in Q2, while net interest margin declined slightly. [#SEC-8K-2026-07-23]
  • • No verified Q3 company earnings release, surprise, guidance revision, or transcript was found for this scheduled T+1 follow-up; the reported earnings date may have been only an estimate.
  • • Q2 margin slipped to 3.33% from 3.36% sequentially and credit-loss provision rose to $926,000 from $467,000.

Catalyst clock

2026-10-23

Verify the Q3 earnings release

Lead driver: Value · See fundamentals
Momentum
47
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
61
47% active weight
Current posture
7d trendFlat
Δ7d
+0.2
Δ21d
-0.2
Sentiment
56
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade B. Momentum 47.0 / Value 61.5 / Sentiment 56.1

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-23. Scenario method

B+
Bull case
25%
Probability
Target price
$33.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$29.50
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$24.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$402.24M
Beta
0.57
Shares Out
14.04M
P/E (TTM)
9.1
P/S (TTM)
2.78
P/FCF (TTM)
22.38
Rev YoY
+1.2%
EPS YoY
+17.1%
Gross Margin
-
Op Margin
+27.5%
Net Debt
$27.68M
Current Ratio
0.09
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data