Is PCB or PFS more undervalued in 2026?

CirclFi compares PCB Bancorp (PCB) and Provident Financial Services, I (PFS) using 13 institutional-grade valuation models. PCB has a Quality of Company score of 9.4/10 while PFS scores 8.6/10.

Which is a better buy — PCB or PFS?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do PCB and PFS valuations compare?

PCB at $24.65 and PFS at $22.16 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

PCB vs PFS Valuation Comparison 2026 — Intrinsic Value Analysis

PCB

Banks - Regional

PCB Bancorp

Quality

9.4

out of 10

Value Trap

SAFE

Price

$24.65

Last close

Models

11/13

Active

PFS

Banks - Regional

Provident Financial Services, I

Quality

8.6

out of 10

Value Trap

LOW

Price

$22.16

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	PCB Fair Value	PCB Upside	PFS Fair Value	PFS Upside
Bayesian DCF	Intrinsic	$21.59	-12.4%	$4.77	-78.5%
Earnings Power Value	Intrinsic	$33.61	+36.3%	$4.92	-78.2%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for PCB vs PFS — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

PCB vs PFS — Which Stock Is More Undervalued?

PCB scores higher with a 9.4/10 quality rating vs PFS's 8.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing PCB Bancorp (PCB) and Provident Financial Services, I (PFS) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

PCB currently trades at $24.65 with a QOC of 9.4/10, while PFS trades at $22.16 with a QOC of 8.6/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).