PCB PEER ANALYSIS

PCB Bancorp — metric-by-metric comparison with peers and the industry median

PCBPCB Bancorp

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

PCBIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	PCB	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
P/E	10.06	15.65	—	2.96●	9.16	13.38	12.88
P/B	1.02	3.99	31,504.34	0.71●	1.41	1.41	1.29
EV/EBITDA	4.59	-9.21●	418,782.20	2.21	-8.43	14.82	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	PCB	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
Current Ratio	0.68●	—	—	—	0.25	0.12	0.31
Debt/Equity	17.2%	0.0%●	0.0%●	0.0%●	17.0%	209.8%	38.0%
NetDebt/EBITDA	-2.09	-20.34	-28.33●	-0.47	-14.68	5.39	-0.58

Profitability
Metric	PCB	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
Net Margin	19.0%	24.7%	28.1%	54.9%●	20.1%	25.9%	20.6%
ROE	10.1%	28.9%●	20.2%	27.4%	14.9%	10.6%	10.9%
ROA	1.2%	1.1%	1.8%	3.7%●	0.8%	0.5%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	PCB	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	39.9%	—	71.8%●	-1.3%	16.0%	16.2%	19.4%
Div. Yield	2.8%	—	—	—	4.8%●	3.2%	2.5%
Payout	29.9%	—	—	—	—	—	31.4%

Valuation
Metric	PCB	CZNC	PLBC	FNLC	PKBK	PBFS	Ind. Median
P/E	10.06	23.98	12.99	10.85	9.37●	21.24	12.88
P/B	1.02●	1.24	1.58	1.37	1.17	1.28	1.29
EV/EBITDA	4.59	23.43	0.64●	13.64	7.79	—	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	PCB	CZNC	PLBC	FNLC	PKBK	PBFS	Ind. Median
Current Ratio	0.68	1.23●	0.33	0.43	0.07	0.11	0.31
Debt/Equity	17.2%●	57.5%	54.3%	68.3%	45.7%	—	38.0%
NetDebt/EBITDA	-2.09	5.87	-8.40●	4.15	0.74	—	-0.58

Profitability
Metric	PCB	CZNC	PLBC	FNLC	PKBK	PBFS	Ind. Median
Net Margin	19.0%	10.5%	26.7%	20.9%	28.1%●	15.3%	20.6%
ROE	10.1%	5.6%	14.2%●	13.3%	13.0%	6.2%	10.9%
ROA	1.2%	0.6%	1.7%	1.1%	1.9%●	0.9%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	PCB	CZNC	PLBC	FNLC	PKBK	PBFS	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	39.9%	-35.4%	9.0%	29.2%	43.6%●	2.7%	19.4%
Div. Yield	2.8%	4.7%●	2.1%	4.2%	2.1%	—	2.5%
Payout	29.9%	97.4%	25.6%	45.4%	20.2%	—	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.