
PCB Bancorp
PCBNASDAQFinancial ServicesBanks - Regional
Latest quote
$27.74
+$0.17 · +0.62%
PCB company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
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 websitePCB 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 / TTMValuation & 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.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 209.37M USD | 191.91M USD | 161.86M USD | 116.25M USD | 99.91M USD |
| Cost of goods sold | 97.69M USD | 95.6M USD | 62.54M USD | 15.72M USD | −261K USD |
| Gross profit | 111.69M USD | 96.31M USD | 99.32M USD | 100.53M USD | 100.17M USD |
| Selling, general, and administrative | 39.57M USD | 38.45M USD | 37.66M USD | 35.91M USD | 30.22M USD |
| Operating expenses | 59.2M USD | 60.02M USD | 56.06M USD | 51.13M USD | 43.21M USD |
| Interest income | 197.54M USD | 180.82M USD | 151.18M USD | 101.75M USD | 81.47M USD |
| Interest expense | 93.66M USD | 92.2M USD | 62.67M USD | 12.12M USD | 4.34M USD |
| Depreciation and amortization | 4.29M USD | 4.02M USD | 4.07M USD | 3.73M USD | 3.38M USD |
| Operating income | 52.49M USD | 36.29M USD | 43.26M USD | 49.4M USD | 56.96M USD |
| Net income | 37.45M USD | 25.81M USD | 30.71M USD | 34.99M USD | 40.1M 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
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$26.00
6.34% downsideRating distribution
5 ratingsRecent analyst actions
Corporate actions
Corporate action history
| Action | Effective date | Details | Record date | Payment date |
|---|---|---|---|---|
Stock split | Dec 28, 2016 | 11:10 | — | — |
Stock split | Feb 25, 2015 | 10:11 | — | — |
Stock split | Mar 19, 2014 | 3:1 | — | — |
Stock split | Mar 30, 2007 | 1:2 | — | — |
Effective Dec 28, 2016
11:10
Effective Feb 25, 2015
10:11
Effective Mar 19, 2014
3:1
Effective Mar 30, 2007
1:2
PCB peers
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