PCB Bancorp logo

PCB Bancorp

PCB

NASDAQFinancial ServicesBanks - Regional

Latest quote

$27.74

+$0.17 · +0.62%

Aug 21, 3:55 PM ET

PCB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

80

Undervalued

Momentum

61

Gaining

Sentiment

56

Mixed

Risk resilience

77

Moderate Risk

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Company profile

Company website

PCB Bancorp operates as the bank holding company for PCB Bank that provides various banking products and services to small and middle market businesses and individuals in the United States. The company offers demand, savings, money market, time deposits, and certificates of deposit; and remote deposit capture, courier deposit and positive pay services, zero balance accounts, and sweep accounts. It also provides real estate loans, including commercial and residential, small business administration (SBA), multifamily, business property, and construction loans; commercial and industrial loans, such as commercial term and lines of credit, and SBA commercial term, trade finance, home, and mortgage warehouse; consumer loans comprising residential mortgage and other consumer loans; and automobile loans, unsecured lines of credit, and term loans. In addition, the company offers access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; and mobile banking solutions, including remote check deposit and mobile bill pay. Further, it provides automated teller machines; cash management, debit and credit card, and online and mobile banking; and banking by telephone, mail, personal appointment, debit cards, direct deposit, and cashier’s checks, as well as treasury management, wire transfer, and automated clearing house services. It operates through full-service branches and loan production offices. The company was formerly known as Pacific City Financial Corporation and changed its name to PCB Bancorp in July 2019. PCB Bancorp was founded in 2003 and is headquartered in Los Angeles, California.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Henry Kim
Listed since
Aug 10, 2018
Employees
274

Market position

Volume
118.43K
3.27× average
Average volume
36.2K
Average daily volume
Market cap
395.16M USD
Beta
0.48
Market reference 1

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
354.2M USD
P/E (TTM)
9.47×
P/B (TTM)
0.98×
P/S (TTM)
1.86×
EV / EBITDA
6.24×
Earnings yield
12.18%
Free cash flow yield
7.93%
Dividend yield
3.10%

Profitability & efficiency

Gross margin
55.66%
Operating margin
27.54%
Net margin
19.65%
Return on equity
9.60%
Return on assets
1.14%
Return on invested capital
-3.76%

Financial health

Debt / equity
0.27×
Current ratio
0.16×
Altman Z-score
0.29
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends109%74%39%5%Gross margin, FY2021: 100.26%Gross margin, FY2022: 86.48%Gross margin, FY2023: 61.36%Gross margin, FY2024: 50.18%Gross margin, FY2025: 53.34%Operating margin, FY2021: 57.01%Operating margin, FY2022: 42.50%Operating margin, FY2023: 26.73%Operating margin, FY2024: 18.91%Operating margin, FY2025: 25.07%Net margin, FY2021: 40.14%Net margin, FY2022: 30.10%Net margin, FY2023: 18.97%Net margin, FY2024: 13.45%Net margin, FY2025: 17.89%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 100.26%. Gross margin FY2022 86.48%. Gross margin FY2023 61.36%. Gross margin FY2024 50.18%. Gross margin FY2025 53.34%. Operating margin FY2021 57.01%. Operating margin FY2022 42.50%. Operating margin FY2023 26.73%. Operating margin FY2024 18.91%. Operating margin FY2025 25.07%. Net margin FY2021 40.14%. Net margin FY2022 30.10%. Net margin FY2023 18.97%. Net margin FY2024 13.45%. Net margin FY2025 17.89%.

Income trends

Revenue

209.37M USD+9.10%

Operating income

52.49M USD+44.65%

Net income

37.45M USD+45.11%
Income trends across reported periods227.73M USD154.3M USD80.88M USD7.45M USDRevenue, FY2021: 99.91M USDRevenue, FY2022: 116.25M USDRevenue, FY2023: 161.86M USDRevenue, FY2024: 191.91M USDRevenue, FY2025: 209.37M USDOperating income, FY2021: 56.96M USDOperating income, FY2022: 49.4M USDOperating income, FY2023: 43.26M USDOperating income, FY2024: 36.29M USDOperating income, FY2025: 52.49M USDNet income, FY2021: 40.1M USDNet income, FY2022: 34.99M USDNet income, FY2023: 30.71M USDNet income, FY2024: 25.81M USDNet income, FY2025: 37.45M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 99.91M USD. Revenue FY2022 116.25M USD. Revenue FY2023 161.86M USD. Revenue FY2024 191.91M USD. Revenue FY2025 209.37M USD. Operating income FY2021 56.96M USD. Operating income FY2022 49.4M USD. Operating income FY2023 43.26M USD. Operating income FY2024 36.29M USD. Operating income FY2025 52.49M USD. Net income FY2021 40.1M USD. Net income FY2022 34.99M USD. Net income FY2023 30.71M USD. Net income FY2024 25.81M USD. Net income FY2025 37.45M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue209.37M USD191.91M USD161.86M USD116.25M USD99.91M USD
Cost of goods sold97.69M USD95.6M USD62.54M USD15.72M USD−261K USD
Gross profit111.69M USD96.31M USD99.32M USD100.53M USD100.17M USD
Selling, general, and administrative39.57M USD38.45M USD37.66M USD35.91M USD30.22M USD
Operating expenses59.2M USD60.02M USD56.06M USD51.13M USD43.21M USD
Interest income197.54M USD180.82M USD151.18M USD101.75M USD81.47M USD
Interest expense93.66M USD92.2M USD62.67M USD12.12M USD4.34M USD
Depreciation and amortization4.29M USD4.02M USD4.07M USD3.73M USD3.38M USD
Operating income52.49M USD36.29M USD43.26M USD49.4M USD56.96M USD
Net income37.45M USD25.81M USD30.71M USD34.99M USD40.1M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
80%
8 beats, 2 misses, 0 met estimates
Average EPS surprise
+2.97%
10 comparable reports
Latest EPS result
0.73
Estimate 0.7 · Beat by 4.29%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.820.70.590.47Q2 '25BeatQ2 '25No estimateQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q2 2025, reported Apr 24, 2025: actual 0.53, estimate 0.51, surprise +3.92%, Beat. Q2 2025, reported May 23, 2025: actual 0.537, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 24, 2025: actual 0.62, estimate 0.6, surprise +3.33%, Beat. Q4 2025, reported Oct 23, 2025: actual 0.78, estimate 0.61, surprise +27.87%, Beat. Q1 2026, reported Jan 29, 2026: actual 0.64, estimate 0.61, surprise +4.92%, Beat. Q2 2026, reported Apr 23, 2026: actual 0.74, estimate 0.67, surprise +10.45%, Beat. Q3 2026, reported Jul 23, 2026: actual 0.73, estimate 0.7, surprise +4.29%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 0.74, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates51.45M42.44M33.43M24.42MQ2 '25BeatQ2 '25No estimateQ3 '25MissQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q2 2025, reported Apr 24, 2025: actual 26.86M USD, estimate 26.4M USD, surprise +1.75%, Beat. Q2 2025, reported May 23, 2025: actual 49.47M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 24, 2025: actual 29.29M USD, estimate 29.3M USD, surprise -0.04%, Miss. Q4 2025, reported Oct 23, 2025: actual 30.39M USD, estimate 29.4M USD, surprise +3.37%, Beat. Q1 2026, reported Jan 29, 2026: actual 29.17M USD, estimate 29.33M USD, surprise -0.55%, Miss. Q2 2026, reported Apr 23, 2026: actual 30.18M USD, estimate 30M USD, surprise +0.61%, Beat. Q3 2026, reported Jul 23, 2026: actual 30.7M USD, estimate 31.1M USD, surprise -1.30%, Miss. Q4 2026, reported Oct 22, 2026: actual —, estimate 31.93M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$26.00

6.34% downside
Past 12 months12-month forecastHigh $26.00Average $26.00Low $26.00

Rating distribution

5 ratings
Strong buy00%
Buy120%
Hold480%
Sell00%
Strong sell00%

Recent analyst actions

2 institutions

Corporate actions

Corporate action history

Stock split

Effective Dec 28, 2016

11:10

Stock split

Effective Feb 25, 2015

10:11

Stock split

Effective Mar 19, 2014

3:1

Stock split

Effective Mar 30, 2007

1:2

PCB peers

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