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PCB

PCB BancorpB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q2 showed year-over-year EPS and net-interest-income growth, continued loan and deposit expansion, low reported nonperforming assets, and disciplined efficiency. These support a cautiously constructive earnings-quality view.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
Current price is already close to the reported median analyst target.
Momentum
47
Value
62
Sentiment
63
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $28.75 · Bull $31.00 · Bear $24.50Analysis 2026-07-28; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-10 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-28 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-10

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-10. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $30.25
Why
Momentum47 · Δ7d -
Value62 · Δ7d -0.0
Sentiment63 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite.

Contradictions & invalidation

  • • Current price is already close to the reported median analyst target.
  • • Loan growth could raise future credit-loss risk if asset quality deteriorates.
  • • Sequential EPS declined modestly, NIM fell from 3.36% to 3.33%, provision expense increased, gain on sale of loans declined, and reported revenue missed consensus.

Catalyst clock

2026-07-23

Q2 2026 earnings delivered mixed but fundamentally solid results

Lead driver: Sentiment · See AI snapshot
Momentum
47
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
62
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
0.0
Sentiment
63
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade B. Momentum 47.0 / Value 62.4 / Sentiment 63.4

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-28. Scenario method

B+
Bull case
25%
Probability
Target price
$31.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$28.75
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$24.50
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$394.37M
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 2026-09-10 • Updated nightlySource: Internal modelMethods & Data