PCB Bancorp (PCB) Fair Value 2026

PCB · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.6 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (6/100)

Quick Summary — As of 2026-10-07, PCB Bancorp (PCB) trades at $28.10, versus a $30.06 median fair value across its 6 active models — 7.0% above the current price. QOC: 8.6/10. Value Trap Risk: 6/100 (SAFE). 6/13 models active.

Key Facts

Ticker
PCB
Price
$28.10
Quality Score
8.6/10
Value Trap Risk
6/100
Models Active
6/13
Last Updated
Strength: Markov DDM suggests +54.0% upside with 57% confidence
Risk: Limited model coverage (6/13) may reduce confidence

Is PCB Bancorp (PCB) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, PCB Bancorp (PCB) appears fairly valued as of : the median of 6 independent fair value estimates is $30.06, within 7.0% of the current price of $28.10. Estimates range from $22.35 to $43.28. PCB scores 8.6/10 on fundamental quality and 6/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -20.1% versus its own 13-model consensus, across 3,777 rated companies as of 2026-10-07. PCB’s +7.0% gap is narrower than that market norm, and the Banks - Regional sector median is -21.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy PCB Bancorp Stock in 2026? →

What Fair Value Does Each Model Give PCB?

6 Intrinsic Value Models vs. Current Price ($28.10)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $22.35 -20.4%
Ensemble · Medium Conviction
 $32.21 +14.6%
Intrinsic · High Conviction
 $43.28 +54.0%
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What Is PCB's Fair Value Range?

Spread across 6 independent models · $22.35 to $43.28

CirclFi's 6 active models place PCB Bancorp (PCB) between $22.35 and $43.28 per share, a spread of 70% of the median. The median of that range — $30.06 — is the fair value CirclFi publishes for PCB, against a current price of $28.10.

Low · EPVHigh · Markov DDM
$22.35median $30.06$43.28
Where the range comes from
Most bearish modelEarnings Power Value (EPV)$22.35
Most bullish modelMarkov DDM$43.28
Model agreement3 bullish · 1 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on PCB, not a CirclFi price target. How each model works →

What Is PCB Bancorp (PCB) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, PCB Bancorp's intrinsic value is estimated at a median $30.06, showing conflicting signals at the current price of $28.10. While the median implied return is +7.0%, model disagreement is elevated with a gap of +74.5% between the most bullish and bearish estimates. The most optimistic model, Markov DDM, places fair value at $43.28 (+54.0%), while EPV — the most conservative — estimates $22.35 (-20.4%). This +74.5% gap reflects genuine analytical uncertainty about PCB Bancorp's intrinsic worth.

What Do the Models Say About PCB?

6 of 13 models are currently active for PCB. Of these, 3 models suggest upside while 3 models suggest overvaluation. Taken together, their median fair value for PCB is $30.06 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does PCB Rank in Banks - Regional?

Among 352 Banks - Regional stocks, PCB ranks #46 by Quality of Company score. CirclFi's QOC score of 8.6/10 evaluates 32 fundamental signals. A score of 8.6 places PCB in the top tier.

See all Most Undervalued Banks - Regional Stocks →

Within the Banks - Regional space, PCB Bancorp competes in an environment where return on tangible equity often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is PCB a Value Trap?

CirclFi's Value Trap algorithm assigns PCB a score of 6/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for PCB Bancorp. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, PCB Bancorp's fundamental quality profile registers 8.6/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +74.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every PCB valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across PCB's 6 active models, average confidence is 46%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy PCB Bancorp Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

TCBSTexas Community Bancshares, Inc.QOC 8.6CBKMConsumers Bancorp, Inc.QOC 8.6HOMBHome BancShares, Inc.QOC 8.6FBIZFirst Business Financial Services, Inc.QOC 8.6USCBUSCB Financial Holdings, Inc.QOC 8.6NBTBNBT Bancorp Inc.QOC 8.5HFBLHome Federal Bancorp, Inc. of LouisianaQOC 8.2FUSBFirst US Bancshares, Inc.QOC 7.8HBNCHorizon Bancorp, Inc.QOC 6.9STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: TCBS · CBKM · HOMB · FBIZ · USCB · NBTB · HFBL · FUSB · HBNC · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to PCB?

5 companies across all industries closest to PCB’s Quality of Company score of 8.6/10.

BCOThe Brink's CompanyQOC 8.6MNSOMINISO Group Holding LimitedQOC 8.6MLABMesa Laboratories, Inc.QOC 8.6ATMUAtmus Filtration Technologies Inc.QOC 8.6NVDANVIDIA CorporationQOC 10.0

Read investment analysis: BCO · MNSO · MLAB · ATMU · NVDA

Where Does PCB Sit in CirclFi's Banks - Regional Rankings?

PCB is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About PCB Bancorp’s Valuation?

What is PCB Bancorp's intrinsic value in 2026?

CirclFi puts PCB Bancorp (PCB)'s intrinsic value at $30.06 — the median of 6 independent model estimates as of 2026-10-07, ranging from $22.35 to $43.28. The Quality of Company score is 8.6/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is PCB overvalued or undervalued right now?

At $28.10, 3 of 6 active models suggest PCB may be undervalued, while 3 indicate potential overvaluation. The median of all 6 fair value estimates is $30.06, within 7.0% of the current price of $28.10 — a consensus view that PCB is fairly valued. The assessment depends on which methodology best fits PCB Bancorp's business model in Banks - Regional.

What does a Quality of Company score of 8.6 mean for PCB?

PCB Bancorp's QOC of 8.6/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on PCB?

CirclFi analyzes PCB with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on PCB?

Of the 6 models currently active on PCB, Markov DDM is the most bullish at $43.28 per share, and Earnings Power Value (EPV) is the most bearish at $22.35. CirclFi's published fair value for PCB is the median of that range, $30.06, not either extreme. The gap between the two ends equals 70% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is PCB a value trap in 2026?

PCB Bancorp's Value Trap score is 6/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, PCB Bancorp (PCB) has a median fair value of $30.06 — within 7.0% of the current price of $28.10 — as of 2026-10-07.” Source: circlfi.com/stock/PCB/ · Methodology
Primary sources for this PCB valuation
  • Financial statements: PCB Bancorp 10-K and 10-Q filings on SEC EDGAR (CIK 0001423869) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for PCB as of ; valuations recomputed .

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