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PCB BancorpPCB +1.28%70 EV-to-FCF is 6.57 as of Jul. 14, 2026, which is 60% above its 10-year median of 4.10. GuruFocus rates PCB with a GF Score™ of 70/100 and a GF Value™ of $23.13 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,199 Banks companies, PCB Bancorp ranks worse than 50.04% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, PCB Bancorp's Enterprise Value is $285.5 Mil.
PCB Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $43.4 Mil. Therefore, PCB Bancorp's EV-to-FCF for today is 6.57.
The historical rank and industry rank for PCB Bancorp's EV-to-FCF or its related term are showing as below:
PCB'
s EV-to-FCF Range Over the Past 10 Years
Min: -107.38 Med: 4.1 Max: 25.51
Current: 6.57
During the past 13 years, the highest EV-to-FCF of PCB Bancorp was 25.51. The lowest was -107.38. And the median was 4.10.
PCB's EV-to-FCF is ranked worse than 50.04% of 1199
companies
in the Banks industry
Industry Median: 6.57
vs PCB: 6.57
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
PCB Bancorp's PE Ratio (TTM) for today is calculated as:
PCB Bancorp's share price for today is $29.19.
PCB Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.780.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
PCB Bancorp EV-to-FCF Related Terms
PCB Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for PCB Bancorp's EV-to-FCF 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.
For the Banks - Regional subindustry, PCB Bancorp's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, PCB Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where PCB Bancorp's EV-to-FCF falls into.
PCB Bancorp's current Enterprise Value is $285.5 Mil.
PCB Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $43.4 Mil.
* 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 EV-to-FCF of 6.57 as of Jul. 14, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on PCB Bancorp and its competitors. This is 60% above median its historical median of 4.10. According to the industry distribution chart, PCB Bancorp ranks #600 out of 1199 companies in the Banks industry, placing it in the top 50%.
Is PCB Bancorp's EV-to-FCF too high?
PCB Bancorp's current EV-to-FCF of 6.57 is 60% above median its 10-year median of 4.10. The Banks industry median EV-to-FCF is 6.57. PCB Bancorp's value of 6.57 is 0% at this industry median. Based on the distribution chart, PCB Bancorp ranks #600 out of 1199 companies in the Banks industry, which is above the industry midpoint. Overall, PCB Bancorp has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PCB Bancorp's EV-to-FCF compare to FNLC and PKBK?
According to the Banks industry distribution chart, PCB Bancorp ranks #600 out of 1199 companies for EV-to-FCF. This puts PCB Bancorp in the upper half of its industry. The industry median EV-to-FCF is 6.57. PCB Bancorp's value of 6.57 is 0% at this benchmark. While the company's 10-year median is 4.10 vs. the industry median of 6.57, PCB Bancorp has consistently been at 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,199 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PCB Bancorp's current EV-to-FCF of 6.57 is 0% at 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on PCB Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PCB Bancorp's current EV-to-FCF is 6.57, which is 60% above median its own 10-year median of 4.10. 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 $23.13, compared to a current price of $29.19 — trading 26.2% above its estimated fair value. The current EV-to-FCF is 6.57, which is 60% above median its 10-year median of 4.10 and 0% at the Banks industry median of 6.57. PCB Bancorp's overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For PCB Bancorp (PCB), the current EV-to-FCF is 6.57 as of Jul. 14, 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 $29.19 is trading 26.2% above its estimated GF Value™ of $23.13.
GuruFocus considers PCB Bancorp to be Modestly Overvalued.
Key valuation signals for PCB:
EV-to-FCF: 6.57 (60% above median its 10-year median of 4.10)
GF Value™: $23.13 vs. price of $29.19 (26.2% above fair value)
Industry Position: 0% at the Banks median (#600 of 1199)
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.
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