PCB

PCB Bancorp is a $3.28B-asset State Commercial Bank whose stock screens cheap on the metrics that matter for a bank: 11.1x diluted EPS of $2.58 and a ~$406M market cap against $390M of stockholders' equity — roughly 1.04x book. FY2025 earnings snapped back hard (net income +45.1% to $37.5M, EPS +48.3%), retained earnings rose 16% to $186M, and the bank is returning capital via a $11.5M dividend and a sharply increased $7.1M of buybacks that shrank the share count ~1.1%. On a bank-appropriate frame — price-to-book and P/E — this is a reasonably valued, adequately capitalized lender, not an expensive one. (Ignore the P/S of 139.9 and 1291.9% 'net margin': the RevenueFromContractWithCustomer tag of $2.90M captures only noninterest fee income, not net interest income, so those ratios are meaningless for a bank and I'm not leaning on them.)