Should I Buy PCB? PCB 2026 Analysis

Should You Buy PCB Bancorp (PCB) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Buy

Latest Price

23.570

1 Day change

-0.67%

52 Week Range

24.200

Analysis Updated At

2026/01/30

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BUY now (pre-market ~$22.02). PCB is trading just below the key pivot (22.26) and close to support (S1 21.58), while fundamentals are improving strongly YoY (Q4’25 EPS +39% YoY; net income +37% YoY). Options positioning is skewed bullish on open interest (put/call 0.54). With no Intellectia buy signal today, this is not a “high-conviction momentum” setup, but it is a reasonable buy-the-support entry for an impatient investor looking for a near-term move back toward 22.95–23.37 resistance.

Technical Analysis

Trend/Setup: Neutral-to-slightly-bearish but stabilizing. MACD histogram is negative (-0.0215) yet negatively contracting, which typically signals downside momentum is fading. RSI(6) ~~49.3 is neutral (no overbought/oversold edge). Moving averages are converging, consistent with consolidation rather than a strong trend. Key levels: Price (~~22.02) is below Pivot 22.26. Immediate support is S1 21.58 (then S2 21.15). Near-term upside levels are R1 22.95 and R2 23.37. A practical tactical view is a bounce-from-support attempt with upside room into the 22.95–23.37 zone if the market cooperates.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Sentiment read: Open-interest put/call at 0.54 suggests relatively more call positioning than puts (bullish tilt). However, reported option volume is 0 today, so the signal is positioning-based rather than driven by fresh flow. Volatility: 30D IV is very elevated (~92.93) with IV percentile ~93.2, implying the options market is pricing in outsized movement/risk (often around events or uncertainty).

Technical Summary

Sell

Buy

Positive Catalysts

- Recent earnings/news tone is broadly constructive: Q4 GAAP EPS $0.64 and revenue ~$29.17M framed as stable/transparent results.
- Q4 2025 profitability improved meaningfully YoY: net income +36.9% YoY and provision for credit losses cut ~50% (supports earnings quality vs. prior year).
- Pattern-based projection data provided indicates a favorable short-term bias (70% chance of gains with modeled upside over 1D/1W/1M).

Neutral/Negative Catalysts

- Q4 net income declined 19.2% quarter-over-quarter (sequential momentum not as strong as YoY).
- Deposits declined to $2.80B (could be interpreted as funding pressure or balance sheet repositioning).
- Broader tape is risk-off pre-market (S&P 500 -0.44%), which can dampen small-cap bank follow-through.
- Elevated implied volatility implies the market expects larger swings, which can cut both ways.

Financial Performance

Latest quarter: 2025/Q4. Growth trends are positive YoY: Revenue $28.48M (+11.21% YoY), Net Income $9.15M (+37.19% YoY), EPS $0.64 (+39.13% YoY). Balance sheet highlights from the news: total assets $3.28B; loans held-for-investment $2.82B; deposits $2.80B (down due to strategic adjustments). Overall, the quarter shows improving earnings power versus last year, with a notable reduction in credit loss provisioning, but with some sequential softness and deposit contraction to monitor.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

No analyst rating/price target change data was provided, so a concrete trend read on upgrades/downgrades or target revisions cannot be made from this dataset. Wall Street-style pros/cons view based on available information: Pros—improving YoY profitability, lower credit provisioning, stable reported revenue. Cons—sequential earnings decline, deposits down, and the stock lacks a fresh institutional/insider accumulation signal in the provided trading trends (hedge funds and insiders shown as neutral).

3 Analyst Rating

Wall Street analysts forecast PCB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for PCB is 25.25 USD with a low forecast of 25 USD and a high forecast of 25.5 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

0 Buy

3 Hold

0 Sell

Hold

Current: 23.730

Low

Averages

25.25

High

25.5

Current: 23.730

Low

Averages

25.25

High

25.5

Keefe Bruyette

Kelly Motta

Market Perform

maintain

$25

AI Analysis

2025-10-27

Reason

Keefe Bruyette

Kelly Motta

Price Target

$25

AI Analysis

2025-10-27

maintain

Market Perform

Reason

Keefe Bruyette analyst Kelly Motta raised the firm's price target on PCB Bancorp to $25 from $23.50 and keeps a Market Perform rating on the shares.

Piper Sandler

Neutral

maintain

$23 -> $24

2025-10-27

Reason

Piper Sandler

Price Target

$23 -> $24

2025-10-27

maintain

Neutral

Reason

Piper Sandler raised the firm's price target on PCB Bancorp to $24 from $23 and keeps a Neutral rating on the shares following quarterly results. The firm is increasing its 2025 / 2026 EPS estimates to $2.61 / $2.70 from $2.44 / $2.60 due to better fees, as well as both lower NIE and share count.

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PCB Should I Buy

PCB Should I Buy

Should You Buy PCB Bancorp (PCB) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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