
PCB Bancorp Financial Ratios 2025-2011 | PCB
Brief overview of PCB Bancorp's financial ratios
The comparison uses the five latest available annual observations between 2021 and 2025.
The latest available valuation ratios are P/E 7.26x (median 7.34x), P/B 0.7x (median 0.7x), P/CF 10.23x (median 5.53x). Ratios sit near their own comparison base, with an average deviation of 0% from five-year medians.
The inverse P/E implies an earnings yield of 13.8%. This is not a dividend yield, but current earnings relative to market price.
Capital efficiency is characterized by ROE 9.6%, ROA 1.1%. Efficiency ratios are restrained, with capital and assets producing modest returns.
On PEG (0.66x), valuation is restrained relative to growth, but one ratio cannot replace cash-flow and risk analysis.
High leverage is part of the financial-sector model, so valuation should be linked to capital, asset quality and ROE.
What the ratios show
PCB Bancorp's market valuation is near its own historical norm, while quality ratios provide no extreme signal.
Annual Financial Ratios PCB Bancorp
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
7.3 | 8.4 | 7.3 | 7.2 | 8.4 | 11.0 | 10.3 | 9.4 | - | 0.9 | 3.2 | 1.7 | 0.3 | - | - |
P/S |
93.8 | 77.8 | 85.1 | 95.1 | 142.6 | 79.7 | 3.1 | 3.0 | - | 0.2 | 0.8 | 0.5 | 0.2 | - | - |
EPS |
2.6 | 1.8 | 2.1 | 2.4 | 2.7 | 1.1 | 1.5 | 1.7 | 1.2 | 1.1 | - | - | - | - | - |
EV (Enterprise Value) |
2.96 B | 2.72 B | 2.42 B | 2.19 B | 2.03 B | 1.67 B | 1.62 B | 1.55 B | 1.23 B | 1.11 B | 983 M | 828 M | 685 M | 545 M | 488 M |
EBITDA per Share |
0.16 | 0.16 | 0.15 | 0.11 | 0.09 | 0.1 | - | - | - | - | - | - | - | - | - |
EV/EBITDA |
1336.0 | 1206.5 | 1109.7 | 1370.6 | 1469.5 | 0.8 | - | - | - | 0.4 | - | - | - | - | - |
PEG |
0.66 | - | - | - | - | -0.34 | -1.02 | 0.24 | - | 0.6 | 1.75 | -0.02 | 0.0 | - | - |
P/B |
0.7 | 0.6 | 0.6 | 0.7 | 1.3 | 0.8 | 1.1 | 1.1 | - | 0.1 | 0.4 | 0.2 | 0.1 | - | - |
P/CF |
10.2 | 5.5 | 3.6 | 4.4 | -208.9 | 10.4 | 8.4 | 6.7 | - | 0.3 | 0.7 | 1.2 | 0.2 | - | - |
ROE % |
9.60 | 7.09 | 8.80 | 10.43 | 15.65 | 6.92 | 10.63 | 11.56 | - | 11.02 | 12.43 | 13.68 | 27.94 | - | - |
ROA % |
1.14 | 0.84 | 1.10 | 1.45 | 1.87 | 0.84 | 1.38 | 1.43 | - | 1.14 | 1.17 | 1.32 | 2.83 | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.2 | 1.1 | 1.1 | - | - | - | - | - | - | - | - | - |
DSO |
1330.5 | 1311.4 | 1166.6 | 886.9 | 1132.6 | 763.5 | 48.6 | 56.0 | - | - | 38.7 | 31.4 | 39.8 | - | - |
DPO |
- | - | - | - | - | - | - | - | - | 407.1 | - | - | - | - | - |
Operating Cycle |
1330.5 | 1311.5 | 1166.6 | 886.9 | 1132.6 | 763.5 | - | - | - | - | - | - | - | - | - |
Cash Conversion Cycle |
1330.5 | 1311.5 | 1166.6 | 886.9 | 1132.6 | 763.5 | - | - | - | -407.1 | - | - | - | - | - |
All numbers in USD currency
Quarterly Financial Ratios PCB Bancorp
| 2026-Q2 | 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
0.73 | 0.74 | 0.79 | 0.63 | 0.53 | - | 0.52 | 0.43 | 0.33 | - | 0.49 | 0.52 | 0.71 | - | 0.47 | 0.61 | 0.69 | - | 0.74 | 0.65 | 0.55 | 0.38 | 0.22 | 0.22 | 0.23 | 0.26 | 0.43 | 0.41 | 0.41 | 0.42 | 0.44 | 0.35 | 0.47 | 0.17 | 0.36 | 0.36 | 0.33 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
EBITDA per Share |
0.07 | 0.04 | - | - | 0.04 | - | - | - | 0.04 | - | - | - | 0.04 | - | 0.07 | - | 0.02 | - | 0.07 | - | 0.02 | - | 0.07 | 0.05 | 0.02 | - | 0.07 | 0.05 | 0.02 | - | 0.06 | 0.05 | 0.02 | - | 0.06 | 0.04 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROE % |
10.69 | 10.15 | 9.62 | 8.43 | 7.36 | 5.27 | 7.33 | 7.37 | 8.65 | 7.31 | 9.40 | 10.06 | 11.79 | 8.73 | 13.18 | 15.21 | 16.06 | 12.13 | 14.61 | 11.63 | 8.95 | 6.92 | 6.28 | 7.79 | 9.26 | 10.63 | 12.00 | 12.12 | 11.47 | 11.56 | 10.00 | 10.27 | 11.42 | 1.65 | 3.38 | 3.42 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROA % |
1.23 | 1.17 | 1.13 | 1.01 | 0.90 | 0.65 | 0.93 | 0.95 | 1.14 | 0.98 | 1.28 | 1.47 | 1.70 | 1.29 | 1.77 | 1.47 | 1.88 | 1.42 | 1.72 | 1.38 | 1.07 | 0.84 | 0.78 | 0.99 | 1.19 | 1.38 | 1.54 | 1.54 | 1.44 | 1.43 | 1.20 | 1.15 | 1.20 | 0.16 | 0.33 | 0.34 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 | - | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
DSO |
1212.5 | 1287.2 | 1347.5 | 1380.5 | 1468.3 | - | 1206.4 | 1573.0 | 1350.5 | - | 1109.0 | 1103.7 | 1159.0 | - | 351.9 | 366.9 | 804.3 | - | 951.0 | 1147.8 | 1252.6 | - | 1604.0 | 1738.2 | 1033.2 | - | 702.6 | 377.9 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Operating Cycle |
- | - | 1347.5 | 1348.8 | - | - | 1206.4 | 1573.0 | 1350.5 | - | 1109.0 | 1103.7 | 1159.0 | - | 351.9 | 366.9 | 804.3 | - | 951.0 | 1147.8 | 1252.6 | - | 1604.0 | 1738.2 | 1033.2 | - | 702.6 | 377.9 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash Conversion Cycle |
- | - | 1347.5 | 1348.8 | - | - | 1206.4 | 1573.0 | 1350.5 | - | 1109.0 | 1103.7 | 1159.0 | - | 351.9 | 366.9 | 804.3 | - | 951.0 | 1147.8 | 1252.6 | - | 1604.0 | 1738.2 | 1033.2 | - | 702.6 | 377.9 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Multiples are an important financial analysis tool for the company PCB Bancorp, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
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Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
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