Pcb Bancorp (PCB) intrinsic value & 10-year financials
Pcb Bancorp (PCB) has a Graham intrinsic value of $54.53 per share. At $27.93 on Oct 17, 2026, the stock trades 49% below that value. Over the last 10 fiscal years revenue grew 3.0% a year to $2.9M, with an average return on invested capital of 10.3%.
- Graham intrinsic value
- $54.53
- Share price (Oct 17, 2026)
- $27.93
- Price vs Graham value
- 49% below
- Market cap
- $398.8M
- Revenue (FY2025)
- $2.9M
- Revenue growth (10-yr CAGR)
- 3.0%
- ROIC (10-yr avg)
- 10.3%
- Free cash flow (FY2025)
- $24.4M
PCB 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $2.9M | $37.5M | $2.58 | $24.4M | — | — |
| FY2024 | $2.8M | $25.8M | $1.74 | $34.9M | — | — |
| FY2023 | $2.6M | $30.7M | $2.12 | $62.0M | — | — |
| FY2022 | $2.6M | $35.0M | $2.31 | $51.8M | — | — |
| FY2021 | $2.4M | $40.1M | $2.62 | -$2.0M | — | — |
| FY2020 | $2.2M | $16.2M | $1.04 | $15.3M | — | — |
| FY2019 | $2.6M | $24.1M | $1.49 | $29.4M | — | — |
| FY2018 | $2.4M | $24.3M | $1.65 | $33.9M | — | — |
| FY2017 | $2.2M | $16.4M | $1.21 | $23.4M | — | — |
| FY2016 | $2.2M | $14.0M | $1.11 | $38.2M | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
PCB BANCORP has demonstrated mature, steady growth, with revenue compounding at 3.0% annually over the past decade.
PCB BANCORP 10-year average ROIC is N/A; capital efficiency cannot be assessed from the available history.
PCB BANCORP has not shown aggressive share repurchases (>10% retirement) or a major balance-sheet leverage increase (>50% net debt growth) over the 10-year window.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, PCB BANCORP is modeled at 8.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $54.53 per share.