PCB Bancorp cash flow to debt ratio of 36.93% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

PCB Bancorp's free cash flow has decreased 30.12% from $34.91M last year to $24.40M, signaling decreasing performance

PCB Bancorp's debt to equity ratio is 0.27, which means that the company's assets are healthy financed, signaling financial stability.

PCB Bancorp's debt has increased relative to shareholder equity from 0.09 last year to 0.27 today, signaling weakened financials

PCB Bancorp has a net cash position, so leverage is healthy.

PCB Bancorp earns at least as much interest as it pays. Interest obligations are fully covered.

PCB Bancorp's profit margin has increased (46.12%) in the last year from 13.45% to 19.65%, signaling increasing performance

PCB Bancorp's short-term liabilities of $1.23B exceed its short-term assets of $196.00M, signaling financial risk

PCB Bancorp's return on assets of 1.20% is lower than the 5.00% threshold, indicating inefficient asset utilization

PCB Bancorp's return on equity of 10.64%, is lower than 15.00%, indicating bad performance

PCB Bancorp's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

PCB Bancorp had positive net income in 5 out of 5 years, indicating stable and consistent earnings

PCB Bancorp has positive free cash flow, indicating the company generates cash after capital expenditures

PCB Bancorp has a free cash flow yield of 6.22%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

PCB Bancorp's yearly earnings has increased 45.11% since last year from $25.81M to $37.45M, signaling increasing performance

PCB Bancorp's yearly revenue has increased 2.93% since last year from $191.91M to $197.54M, signaling increasing performance

ROIC 1.20% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

PCB Bancorp's 3-year revenue CAGR of 21.67% is positive, indicating growing revenue over the past 3 years

PCB Bancorp had revenue growth in 5 out of 5 years, indicating consistent revenue performance

PCB Bancorp had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

PCB Bancorp is undervalued relative to its fair value price of 28.74 based on Discounted Cash Flow model

PCB Bancorp has an earnings yield of 10.76%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

PCB Bancorp is overvalued relative to its fair value price of 22.55 based on EBITDA multiple model

PCB Bancorp has an EV/EBITDA ratio of 4.91x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

PCB Bancorp is undervalued relative to its fair value price of 68.15 based on Earnings Fair Value model

PCB Bancorp has a PEG-ratio under 1 which is considered undervalued

PCB Bancorp has a price-to-book ratio of 0.97x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

PCB Bancorp has a price-to-sales ratio of 1.83x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue