PCB (PCB Bancorp) Cyclically Adjusted FCF per Share: $2.42 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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Founder & CEO of GuruFocus
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 PCB Bancorp PCB
67 GF Score
Price $28.52
GF Value $23.56
Valuation Modestly Overvalued
! 6 Warning Signs
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What is PCB Bancorp Cyclically Adjusted FCF per Share?

PCB Bancorp PCB +0.28% 67 Cyclically Adjusted FCF per Share is $2.42 as of Jun. 2026. GuruFocus rates PCB with a GF Score™ of 67/100 and a GF Value™ of $23.56 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

PCB Bancorp's adjusted free cash flow per share for the three months ended in Jun. 2026 was $0.087. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $2.42 for the trailing ten years ended in Jun. 2026.

During the past 12 months, PCB Bancorp's average Cyclically Adjusted FCF Growth Rate was 6.60% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 9.10% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 11.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of PCB Bancorp was 23.10% per year. The lowest was 9.10% per year. And the median was 11.90% per year.

As of today (2026-08-14), PCB Bancorp's current stock price is $28.52. PCB Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was $2.42. PCB Bancorp's Cyclically Adjusted Price-to-FCF of today is 11.79.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of PCB Bancorp was 19.76. The lowest was 6.31. And the median was 9.41.


PCB Bancorp  (NAS:PCB) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

PCB Bancorp's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=28.52/2.42
=11.79

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of PCB Bancorp was 19.76. The lowest was 6.31. And the median was 9.41.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


PCB Bancorp Cyclically Adjusted FCF per Share Related Terms


PCB Bancorp Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for PCB Bancorp's Cyclically Adjusted FCF per Share 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.

PCB Bancorp Cyclically Adjusted FCF per Share Chart

PCB Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.25 1.77 2.24 2.33 2.30

PCB Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.27 2.36 2.30 2.45 2.42

PCB vs AVBC, USCB, FNLC: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, PCB Bancorp's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, PCB Bancorp's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where PCB Bancorp's Cyclically Adjusted Price-to-FCF falls into.


PCB
67GF Score
PCB Bancorp PCB
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PCB Bancorp Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, PCB Bancorp's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.087/333.9520*333.9520
=0.087

Current CPI (Jun. 2026) = 333.9520.

PCB Bancorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201412 0.000 234.812 0.000
201512 0.000 236.525 0.000
201612 0.000 241.432 0.000
201706 0.000 244.955 0.000
201709 0.000 246.819 0.000
201712 0.000 246.524 0.000
201803 0.686 249.554 0.918
201806 -0.779 251.989 -1.032
201809 1.139 252.439 1.507
201812 0.833 251.233 1.107
201903 0.614 254.202 0.807
201906 0.426 256.143 0.555
201909 0.516 256.759 0.671
201912 0.260 256.974 0.338
202003 -0.496 258.115 -0.642
202006 0.720 257.797 0.933
202009 -1.567 260.280 -2.011
202012 2.346 260.474 3.008
202103 0.560 264.877 0.706
202106 -0.114 271.696 -0.140
202109 -0.504 274.310 -0.614
202112 -0.094 278.802 -0.113
202203 1.905 287.504 2.213
202206 0.578 296.311 0.651
202209 0.031 296.808 0.035
202212 0.925 296.797 1.041
202303 1.242 301.836 1.374
202306 1.107 305.109 1.212
202309 1.278 307.789 1.387
202312 0.672 306.746 0.732
202403 0.421 312.332 0.450
202406 0.898 314.175 0.955
202409 0.826 315.301 0.875
202412 0.290 315.605 0.307
202503 0.111 319.799 0.116
202506 0.267 322.561 0.276
202509 1.129 324.800 1.161
202512 0.198 324.054 0.204
202603 1.450 330.213 1.466
202606 0.087 333.952 0.087

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $2.42 mean?
PCB Bancorp (PCB) has a Cyclically Adjusted FCF per Share of $2.42 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on PCB Bancorp and its competitors.
Is PCB Bancorp's Cyclically Adjusted FCF per Share too high?
PCB Bancorp's current Cyclically Adjusted FCF per Share is $2.42. 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 Cyclically Adjusted FCF per Share compare to AVBC and USCB?
PCB Bancorp's Cyclically Adjusted FCF per Share of $2.42 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on PCB Bancorp and its competitors. PCB Bancorp's current Cyclically Adjusted FCF per Share is $2.42. 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 $23.56, compared to a current price of $28.52 — trading 21.1% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $2.42. 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 Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For PCB Bancorp (PCB), the current Cyclically Adjusted FCF per Share is $2.42 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 $28.52 is trading 21.1% above its estimated GF Value™ of $23.56. GuruFocus considers PCB Bancorp to be Modestly Overvalued.

Key valuation signals for PCB:

  • Cyclically Adjusted FCF per Share: $2.42
  • GF Value™: $23.56 vs. price of $28.52 (21.1% above fair value)
  • GF Score™: 67/100 with 6 warning signs

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 Business Description

Other Exchanges 9UH:Germany
Address 3701 Wilshire Boulevard, Suite 900, Los Angeles, CA, USA, 90010
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

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Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$28.52
Price
$23.56
GF Value