Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
PCB BancorpPCB +0.29%67 Cash-to-Debt is 2.46 as of Jun. 2026, which is 50% below its 10-year median of 4.88. GuruFocus rates PCB with a GF Score™ of 67/100 and a GF Value™ of $23.61 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,490 Banks companies, PCB Bancorp ranks better than 63.29% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. PCB Bancorp's cash to debt ratio for the quarter that ended in Jun. 2026 was 2.46.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, PCB Bancorpcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for PCB Bancorp's Cash-to-Debt or its related term are showing as below:
PCB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 1.84 Med: 4.88 Max: No Debt
Current: 2.46
During the past 13 years, PCB Bancorp's highest Cash to Debt Ratio was No Debt. The lowest was 1.84. And the median was 4.88.
PCB's Cash-to-Debt is ranked better than 63.29% of 1490
companies
in the Banks industry
Industry Median: 1.4
vs PCB: 2.46
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
PCB Bancorp Cash-to-Debt Related Terms
PCB Bancorp Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for PCB Bancorp's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, PCB Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PCB Bancorp Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, PCB Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where PCB Bancorp's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PCB Bancorp (PCB) has a Cash-to-Debt of 2.46 as of Jun. 2026. This is 50% below median its historical median of 4.88. Over the past decade, PCB Bancorp's Cash-to-Debt has ranged from 1.84 to 10,000.00. According to the industry distribution chart, PCB Bancorp ranks #547 out of 1490 companies in the Banks industry, placing it in the top 36.7%.
Is PCB Bancorp's Cash-to-Debt too high?
PCB Bancorp's current Cash-to-Debt of 2.46 is 50% below median its 10-year median of 4.88. Over the past 10 years, this metric has ranged from a low of 1.84 to a high of 10,000.00. The Banks industry median Cash-to-Debt is 1.40. PCB Bancorp's value of 2.46 is 75.7% above this industry median. Based on the distribution chart, PCB Bancorp ranks #547 out of 1490 companies in the Banks industry, which is above the industry midpoint. Overall, PCB Bancorp has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PCB Bancorp's Cash-to-Debt compare to AVBC and USCB?
According to the Banks industry distribution chart, PCB Bancorp ranks #547 out of 1490 companies for Cash-to-Debt. This puts PCB Bancorp in the upper half of its industry. The industry median Cash-to-Debt is 1.40. PCB Bancorp's value of 2.46 is 75.7% above this benchmark. Historically, PCB Bancorp's own Cash-to-Debt has ranged from 1.84 to 10,000.00 over the past decade. While the company's 10-year median is 4.88 vs. the industry median of 1.40, PCB Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,490 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PCB Bancorp's current Cash-to-Debt of 2.46 is 75.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PCB Bancorp's current Cash-to-Debt is 2.46, which is 50% below median its own 10-year median of 4.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PCB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, PCB Bancorp (PCB) is currently considered Modestly Overvalued. The stock's GF Value™ is $23.61, compared to a current price of $27.76 — trading 17.6% above its estimated fair value. The current Cash-to-Debt is 2.46, which is 50% below median its 10-year median of 4.88 and 75.7% above the Banks industry median of 1.40. PCB Bancorp's overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For PCB Bancorp (PCB), the current Cash-to-Debt is 2.46 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PCB Bancorp (PCB) Overvalued in 2026?
Based on GuruFocus' analysis, PCB Bancorp stock appears to be overvalued.
The current stock price of $27.76 is trading 17.6% above its estimated GF Value™ of $23.61.
GuruFocus considers PCB Bancorp to be Modestly Overvalued.
Key valuation signals for PCB:
Cash-to-Debt: 2.46 (50% below median its 10-year median of 4.88)
GF Value™: $23.61 vs. price of $27.76 (17.6% above fair value)
Industry Position: 75.7% above the Banks median (#547 of 1490)
No single metric tells the full story. See the PCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PCB Bancorp is a bank holding company, which engages in the provision of consumer and commercial banking services. It provides Personal, Business, and Loan services, which provide banking, lending, and digital, tools, home loans, and others. Also, it offers a broad range of loans, deposits, and other products and services predominantly to small and middle-market businesses and individuals. The company provided it's services in Los Angeles and Orange Counties, California; Bellevue, Washington; and Atlanta, Georgia.
67GF Score
Get the complete analysis for PCB
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PCB has been successfully added to your 
