PCB BancorpPCB +2.06%71 OCF Margin % is 68.70% as of Mar. 2026, which is 80% above its 10-year median of 38.17. GuruFocus rates PCB with a GF Score™ of 71/100 and a GF Value™ of $23.04 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,501 Banks companies, PCB Bancorp ranks better than 62.96% on this metric.
The historical rank and industry rank for PCB Bancorp's OCF Margin % or its related term are showing as below:
PCB'
s OCF Margin % Range Over the Past 10 Years
Min: -1.69 Med: 38.17 Max: 68.29
Current: 37.69
During the past 13 years, the highest OCF Margin % of PCB Bancorp was 68.29%. The lowest was -1.69%. And the median was 38.17%.
PCB's OCF Margin % is ranked better than 62.96% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs PCB: 37.69
PCB Bancorp OCF Margin % Related Terms
PCB Bancorp OCF Margin % Historical Data
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The historical data trend for PCB Bancorp's OCF Margin % 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 OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PCB Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where PCB Bancorp's OCF Margin % 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 OCF Margin % of 68.70% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on PCB Bancorp and its competitors. This is 80% above median its historical median of 38.17. According to the industry distribution chart, PCB Bancorp ranks #556 out of 1501 companies in the Banks industry, placing it in the top 37%.
Is PCB Bancorp's OCF Margin % too high?
PCB Bancorp's current OCF Margin % of 68.70% is 80% above median its 10-year median of 38.17. The Banks industry median OCF Margin % is 29.44. PCB Bancorp's value of 68.70% is 133.4% above this industry median. Based on the distribution chart, PCB Bancorp ranks #556 out of 1501 companies in the Banks industry, which is above the industry midpoint. Overall, PCB Bancorp has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PCB Bancorp's OCF Margin % compare to AVBC and MVBF?
According to the Banks industry distribution chart, PCB Bancorp ranks #556 out of 1501 companies for OCF Margin %. This puts PCB Bancorp in the upper half of its industry. The industry median OCF Margin % is 29.44. PCB Bancorp's value of 68.70% is 133.4% above this benchmark. While the company's 10-year median is 38.17 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PCB Bancorp's current OCF Margin % of 68.70% is 133.4% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on PCB Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PCB Bancorp's current OCF Margin % is 68.70%, which is 80% above median its own 10-year median of 38.17. 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 $23.04, compared to a current price of $27.68 — trading 20.1% above its estimated fair value. The current OCF Margin % is 68.70%, which is 80% above median its 10-year median of 38.17 and 133.4% above the Banks industry median of 29.44. PCB Bancorp's overall GF Score™ is 71/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For PCB Bancorp (PCB), the current OCF Margin % is 68.70% as of Mar. 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 $27.68 is trading 20.1% above its estimated GF Value™ of $23.04.
GuruFocus considers PCB Bancorp to be Modestly Overvalued.
Key valuation signals for PCB:
OCF Margin %: 68.70% (80% above median its 10-year median of 38.17)
GF Value™: $23.04 vs. price of $27.68 (20.1% above fair value)
Industry Position: 133.4% above the Banks median (#556 of 1501)
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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