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CHMG (67) FNLC (73) CZFS (70) FCBM (53) ⌘ Pro Terminal →

Why PCB Stock surged +2.36% Today — RQD Quant Desk Flash

$29.94 +2.36% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $30.01

PCB Bancorp (PCB) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $420.5M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PCB Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PCB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, PCB Bancorp (NASDAQ: PCB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $29.94 (+2.36% 1D, market cap $420.5M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, PCB ranks #245 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PCB compare to CHMG and FNLC in the Financials sector?
▼

Within the Financials sector (Major Banks), PCB carries a Roarable C (65/100 RQD), trailing P/E of 10.9x, gross margin of —, and ROIC of 9.6%. By comparison, CHMG (Chemung Financial Corp) holds a C+ grade (67/100 RQD, P/E 28.0x, ROIC 5.9%, cap $421.5M) and FNLC (First Bancorp Inc (ME)) posts a B grade (73/100 RQD, P/E 12.0x, ROIC 12.1%, cap $415.4M). Among the 5-stock peer group, PCB leads on earnings multiple (10.9x) while FNLC leads on capital efficiency (12.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PCB?
▼

Per PCB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001423869), PCB Bancorp generated $2.9M in revenue (+4.5% YoY), $37.5M in net income, and $24.4M in free cash flow against $3.28B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $30.01 (+0.23%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 841.5% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510065
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C · Rk C+
Cash (9)Whales (13)SEC (13)Macro (14)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+3.1% Base Target
$36 Bull$31 Base$24 Bear
📬 FREE PCB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PCB)Realized 20D OHLCV Swing Band: ±5.1%
Deterministic 5-Pillar Attribution (65/100 Composite)
🔍 WHY PCB SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Macro Regime Fit+14/20 pts (22% of score)

FRED Regime × Technicals: 91% of 52W Range • RSI-14 at 72.8 (OVERBOUGHT (>70))

▼ #1 Drag / Risk Factor: Cash Engine Quality9/20 pts (-11 pt drag)

Capital intensity & 0% operating margin leave 11 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
57
Grade C$27.60+1.6% Next Q
Q2 (-2Q)
60
Grade C$28.03+3.4% Next Q
Q3 (-1Q)
62
Grade C+$28.97+3.3% Next Q
Current
65
Grade C$29.94+1.3% Hist 90D α
Trajectory: C (57) → C (65)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PCB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 65/100 (C) score, PCB faces multiple-compression risk if 10.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($28.03) or 200D SMA ($25.77) invalidates the momentum regime and cuts Target Base ($30.88) toward Bear Floor ($24.09).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PCB• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “PCB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 65%NO 35%Trade / Inspect Odds →
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

Why PCB Stock surged +2.36% Today — RQD Quant Desk Flash

PCB Bancorp (PCB) surged +2.36% to $29.94, trading at 91% of its 52-week range ($20.87 – $30.84). Solid steady margins (10% return on capital), mixed timing at 11x P/E—hold if owned, no rush to chase.

  • ▸Technical Tape: Trading at 91% of its 52-week range ($20.87 – $30.84) with RSI-14 at 72.8 (OVERBOUGHT (>70)).
  • ▸Volatility Profile: Historical 20-day realized swing band of ±5.1% around $29.94 (no active unusual options sweep snapshot on file).
  • ▸Fundamental Anchor: Roarable C (Hold) backed by 52% gross margin and $24.4M annual free cash flow.
Live PCB Headlines & Catalysts
MARKET WIREYahoo • 5d ago
PCB Bancorp: Q3 Earnings Snapshot

LOS ANGELES (AP) — LOS ANGELES (AP) — PCB Bancorp (PCB) on Thursday reported net income of $12.The bank, based in Los Angeles, said it had earnings of 85 cents per share.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (PCB Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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Join Founding VIP Waitlist (No Card Required) →$100K Arena
PCB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +21.81%⚡ TESTING RESISTANCE
2026-11-04O $29.25H $29.94L $29.25C $29.94VOL 82.3K
RES: $30.05SUP: $26.52SMA50: $28.03SMA200: $25.77
$31.45$28.91$26.36$23.82$21.27RES $30.05SUP $26.52$29.942026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PCB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PCB Butterfly Map → + Track PCB →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
0.6%/yr Implied 5Y Growth

vs. +4.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on PCB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PCB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PCB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PCB)

Financials Rank #245 of 1097 ⚔️ CHMG vs PCB Full Matrix →

1. Head-to-Head Financials Peer Comparison (PCB vs. CHMG, FNLC, CZFS, FCBM)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, PCB Bancorp (PCB) ranks #245 by composite RQD confidence (65/100, grade C) and #739 by equity capitalization ($420.5M). Within this direct 5-issuer industry benchmark cohort, PCB leads on earnings valuation at 10.9x trailing P/E, while FNLC leads on capital efficiency and profitability with 12.1% ROIC and — gross margin. FNLC currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with PCB at 65/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
PCB ACTIVE
PCB Bancorp
C 65/100 10.9x — 9.6% +2.36% $420.5M Benchmark Subject
CHMG
Chemung Financial Corp
C+ 67/100 28.0x — 5.9% +1.33% $421.5M /chmg-vs-pcb →
FNLC
First Bancorp Inc (ME)
B 73/100 12.0x — 12.1% +1.29% $415.4M /fnlc-vs-pcb →
CZFS
Citizens Financial Services Inc.
B- 70/100 11.2x — 10.8% +0.77% $413.7M /czfs-vs-pcb →
FCBM
First Carolina Financial Services Inc.
D+ 53/100 — — — +1.32% $405.4M /fcbm-vs-pcb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001423869 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), PCB Bancorp (PCB) reported GAAP revenue of $2.9M (+4.5% vs. FY2024 revenue of $2.8M , and +9.4% cumulative change since FY2023) , GAAP net income of $37.5M, operating cash flow of $26.6M, and free cash flow of $24.4M (-30.1% YoY). On the balance sheet, PCB closed FY2025 with $3.28B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.9M $37.5M $26.6M $24.4M $3.28B —
FY2024 (FY) 2024-12-31 $2.8M $25.8M $39.0M $34.9M $3.06B —
FY2023 (FY) 2023-12-31 $2.6M $30.7M $63.3M $63.3M — —

3. PCB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PCB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, PCB Bancorp (NASDAQ: PCB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $29.94 (+2.36% 1D, market cap $420.5M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, PCB ranks #245 in composite RQD confidence.

How does PCB compare to CHMG and FNLC in the Financials sector?

Within the Financials sector (Major Banks), PCB carries a Roarable C (65/100 RQD), trailing P/E of 10.9x, gross margin of —, and ROIC of 9.6%. By comparison, CHMG (Chemung Financial Corp) holds a C+ grade (67/100 RQD, P/E 28.0x, ROIC 5.9%, cap $421.5M) and FNLC (First Bancorp Inc (ME)) posts a B grade (73/100 RQD, P/E 12.0x, ROIC 12.1%, cap $415.4M). Among the 5-stock peer group, PCB leads on earnings multiple (10.9x) while FNLC leads on capital efficiency (12.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PCB?

Per PCB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001423869), PCB Bancorp generated $2.9M in revenue (+4.5% YoY), $37.5M in net income, and $24.4M in free cash flow against $3.28B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PCB trading relative to its 50-day, 200-day, and 52-week technical levels?

PCB last traded at $29.94 (+2.36% on volume of 82,257 shares), positioning the stock +6.81% above its 50-day simple moving average ($28.03) and +16.18% above its 200-day simple moving average ($25.77). Across its 52-week range of $20.87 to $30.84, PCB sits at the 91.0% percentile with a 14-day RSI of 72.8 (OVERBOUGHT (>70)) and an implied next-earnings move of ±5.1% ($28.41 to $31.47).

Direct Sub-Reports: PCB RQD Cockpit PCB 12M Forecast PCB Earnings & Move PCB Dividends & DRIP PCB Insiders & 13F PCB Whale Options PCB Profit Sankey PCB News & Why
ROARABLE RATING BRIEF • RQD 65/100 (C) ✓ SEC XBRL & RQD VERIFIED

PCB — PCB Bancorp: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

PCB Bancorp (PCB) earns a live Roarable RQD composite score of 65/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $29.94 (+2.36% 1D, market capitalization $420.5M).

  • Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of 9.6%, gross margin of —, operating margin of —, and free cash flow yield of 5.97%.
  • Whale 13F & Options Flow (13/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

PCB Bancorp is listed on NASDAQ under the ticker PCB and is classified in the Financials sector, Major Banks industry. The profile identifies it as a NASDAQ-listed issuer with a market capitalization of $0.4B. How the company makes money is not described beyond its sector and industry classification.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), PCB Bancorp (PCB) reported $2.9M in annual revenue (up from $2.8M in FY2024, +4.5% YoY) and $37.5M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($2.6M revenue, $30.7M net income) through FY2025, PCB scaled operating cash flow to $26.6M and free cash flow to $24.4M, backed by $3.28B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 65/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 5.97% and institutional whale pillar of 13/20. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $20.87 – $30.84 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 10.9x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The only sector context provided is the Financials / Major Banks classification and the Beta of 1.0 which indicates market-level sensitivity but does not identify specific ripple pathways.

  • Key Question #1: Can PCB sustain or expand its — operating margin and 9.6% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.9M and free cash flow of $24.4M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is PCB's 10.1x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

PCB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for PCB Bancorp (PCB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PCB Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PCB Bull vs. Bear Conversation Board — What's Your Call at $29.94?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PCB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on PCB:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $35.39 (+21.0%)
📌 Pinned Debate

Insider conviction (16/20) and a 2.81% dividend yield at a 10.9 P/E signal shareholder-aligned value support.

Insider conviction (16/20) and a 2.81% dividend yield at a 10.9 P/E signal shareholder-aligned value support.. When you look under the hood at PCB, Fundamental Cash Engine is 9/20 with 0.0% gross margins and 9.6% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (13/20) has been quietly accumulating below $30.84. My 12M target is $35.39.

EarningsSniper 🐂 BULL

Both sides have a point here — PCB's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $22.52 (-23.0%)
Spot @ $29.25

The weakest pillar, fundamental cash engine at 9/20 with ROIC of 9.6%, leaves the stock's cash generation thinly supported.

Careful chasing PCB at $29.25. The weakest pillar, fundamental cash engine at 9/20 with ROIC of 9.6%, leaves the stock's cash generation thinly supported.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $22.52 on multiple compression.

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