What is Pcb Bancorp worth?
With the base-case assumptions below, a discounted cash flow model on Pcb Bancorp's reported free cash flow gives $50.74 per share. The share price was $27.71 on September 25, 2026, 45% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 0.5% | 10.0% | $38.72 | +40% |
| Base | 5.5% | 9.0% | $50.74 | +83% |
| Bull | 10.5% | 8.0% | $74.71 | +170% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $59.56 | $62.25 | $65.53 | $69.64 | $74.92 |
| 8.0% | $52.98 | $54.73 | $56.79 | $59.26 | $62.28 |
| 9.0% | $48.17 | $49.36 | $50.74 | $52.34 | $54.24 |
| 10.0% | $44.51 | $45.35 | $46.31 | $47.41 | $48.68 |
| 11.0% | $41.62 | $42.24 | $42.94 | $43.72 | $44.60 |
Where the presets come from
Base: years 1 to 5 grow at Pcb Bancorp's revenue growth rate over the last 5 fiscal years (5.4% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions