PCB Bancorp (PCB)vsU.S. Bancorp (USB)
PCB
PCB Bancorp
$22.30
+0.41%
FINANCIAL SERVICES · Cap: $316.38M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 23497% more annual revenue ($26.35B vs $111.69M). PCB leads profitability with a 33.5% profit margin vs 28.7%. PCB trades at a lower P/E of 8.6x. USB earns a higher WallStSmart Score of 75/100 (B).
PCB
Strong Buy67
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+80.9%
Fair Value
$120.74
Current Price
$22.30
$98.44 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.7%
Conservative balance sheet, low leverage
16.3% revenue growth
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PCB
The strongest argument for PCB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.5% and operating margin at 46.7%. Revenue growth of 16.3% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : PCB
The primary concerns for PCB are Market Cap.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
PCB profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
PCB is growing revenue faster at 16.3% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 67/100), backed by strong 28.7% margins. PCB offers better value entry with a 80.9% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
PCB Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
PCB Bancorp is the banking holding company for Pacific City Bank offering various banking products and services to individuals and small and medium-sized businesses in Southern California. The company is headquartered in Los Angeles, California.
Visit Website →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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