PCB Bancorp (PCB)
NASDAQ:PCB
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PCB Stock Chart & Stats
$24.23
-$0.01(-0.05%)
At close: 4:00 PM EST
$24.23
-$0.01(-0.05%)
Day’s Range― - ―
52-Week Range$19.44 - $26.77
Previous CloseN/A
Volume1.68K
Average Volume (3M)25.00K
Market Cap
$378.50M
Enterprise Value$393.26M
Total Cash (Recent Filing)$195.26M
Total Debt (Recent Filing)$68.30M
Price to Earnings (P/E)9.3
Beta0.77
Next Earnings
Jul 23, 2026EPS Estimate
0.7Next Dividend Ex-DateN/A
Dividend Yield3.57%
Share Statistics
EPS (TTM)2.82
Shares Outstanding14,234,723
10 Day Avg. Volume33,782
30 Day Avg. Volume25,005
Financial Highlights & Ratios
PEG Ratio0.17
Price to Book (P/B)0.79
Price to Sales (P/S)1.47
P/FCF Ratio12.61
Enterprise Value/Market Cap1.04
Enterprise Value/Revenue1.85
Enterprise Value/Gross Profit3.39
Enterprise Value/Ebitda6.48
Forecast
1Y Price Target
$26.00Price Target Upside7.30% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)2.77
Revenue Forecast (FY)$125.80M
Bulls Say, Bears Say
Bulls Say
Revenue GrowthConsistent multi-year revenue growth with a sharp TTM re-acceleration indicates durable franchise momentum in core commercial banking lines. Sustained top-line expansion supports loan book scaling, fee income growth and operating leverage, strengthening medium-term earnings capacity.
Balance-Sheet ConservatismLow debt-to-equity (~0.17) and steady growth in equity and assets signal a conservative capital base. This balance-sheet strength affords loss-absorption, regulatory flexibility and capacity to fund loan growth organically, reducing reliance on costly external funding over the medium term.
Cash GenerationTTM operating and free cash flow are positive and free cash flow closely tracks net income (~0.91x), showing the franchise converts earnings into cash. Reliable cash generation underpins dividend capacity, internal reinvestment for loan origination and technology, and cushions cyclical stress.
Bears Say
Margin CompressionMargins have compressed meaningfully versus the strong 2021–2022 period. Persistent margin pressure narrows risk-adjusted returns on lending, constrains internal capital generation and may force tougher trade-offs between growth, pricing competitiveness and dividend flexibility over the medium term.
Earnings & Cash-Flow VolatilityHistorical uneven net income and cash-flow volatility — including negative operating/free cash flow in 2021 and declines in 2024–25 before a rebound — reduces predictability. Such variation complicates capital planning, dividend sustainability and execution of multi-year strategic initiatives.
Variable Returns On EquityROE near ~10% (TTM) but with material swings (strong 2021, weaker 2024) signals inconsistent earnings power and sensitivity to cycle and margin swings. Variable ROE makes long-term shareholder return delivery less certain and can limit predictable capital allocation.
PCB Bancorp News
PCB FAQ
What was PCB Bancorp’s price range in the past 12 months?
PCB Bancorp lowest stock price was $19.44 and its highest was $26.77 in the past 12 months.
What is PCB Bancorp’s market cap?
PCB Bancorp’s market cap is $378.50M.
When is PCB Bancorp’s upcoming earnings report date?
PCB Bancorp’s upcoming earnings report date is Jul 23, 2026 which is in 37 days.
How were PCB Bancorp’s earnings last quarter?
PCB Bancorp released its earnings results on Apr 23, 2026. The company reported $0.74 earnings per share for the quarter, beating the consensus estimate of $0.657 by $0.083.
Is PCB Bancorp overvalued?
According to Wall Street analysts PCB Bancorp’s price is currently Undervalued.
Does PCB Bancorp pay dividends?
PCB Bancorp pays a Quarterly dividend of $0.22 which represents an annual dividend yield of 3.57%. See more information on PCB Bancorp dividends here
What is PCB Bancorp’s EPS estimate?
PCB Bancorp’s EPS estimate is 0.7.
How many shares outstanding does PCB Bancorp have?
PCB Bancorp has 14,234,723 shares outstanding.
What happened to PCB Bancorp’s price movement after its last earnings report?
PCB Bancorp reported an EPS of $0.74 in its last earnings report, beating expectations of $0.657. Following the earnings report the stock price went up 0.334%.
Which hedge fund is a major shareholder of PCB Bancorp?
Currently, no hedge funds are holding shares in PCB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
PCB Bancorp Stock Smart Score
Neutral
1
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10
Analyst Consensus
Hold
Average Price Target:
$26.00 (7.30% Upside)
$26.00 (7.30% Upside)
Blogger Sentiment
Bullish
PCB Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 40.0K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
16.54%
12-Months-Change
Fundamentals
Return on Equity
10.43%
Trailing 12-Months
Asset Growth
5.49%
Trailing 12-Months
Company Description
PCB Bancorp
PCB Bancorp serves as the holding company for Pacific City Bank, which delivers a comprehensive array of banking solutions to individuals, professionals, and small to mid-sized businesses across Southern California and other key markets. The bank offers diverse deposit products, including checking, savings, money market, and time accounts, as well as certificates of deposit. Specialized business services encompass remote deposit capture, courier deposit options, positive pay, zero balance accounts, and sweep accounts. Its lending portfolio is extensive, featuring real estate loans such as commercial, residential, SBA-backed property, and construction financing. The company also provides commercial and industrial loans, including term loans, lines of credit, SBA commercial term loans, and past SBA Paycheck Protection Program loans. Additionally, consumer lending options are available for automobile-secured and personal loans. Customers benefit from modern digital and accessible services, including online banking for account management, transfers, bill payment, and electronic statements, alongside mobile banking with remote check deposit and mobile bill pay. Further convenience is offered through automated teller machines, telephone banking, banking by mail, personal appointments, debit cards, direct deposit, and cashier's checks. The bank also provides treasury management, wire transfer, and automated clearing house services. PCB Bancorp operates 11 full-service branches across Los Angeles and Orange counties in California, complemented by individual full-service locations in Englewood Cliffs, New Jersey, and Bayside, New York. Beyond its branch network, it maintains 10 loan production offices strategically located in Irvine, Artesia, and Los Angeles, California; Annandale, Virginia; Atlanta, Georgia; Chicago, Illinois; Bellevue, Washington; Aurora, Colorado; Carrollton, Texas; and New York, New York. Established in 2003, the company was previously known as Pacific City Financial Corporation before rebranding as PCB Bancorp in July 2019. Its corporate headquarters are located in Los Angeles, California.
PCB Stock 12 Month Forecast
Average Price Target
$26.00
▲(7.30% Upside)
Technical Analysis
Ownership Overview
14.96% Insiders
10.77% Mutual Funds
10.07% Other Institutional Investors
53.31% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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