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$18.78 - $24.99
Previous CloseN/A
Volume1.68K
Average Volume (3M)25.00K
Market Cap
$342.98M
Enterprise Value$386.49M
Total Cash (Recent Filing)$367.15M
Total Debt (Recent Filing)$53.00M
Price to Earnings (P/E)7.5
Beta0.78
Next Earnings
Jul 23, 2026EPS Estimate
0.7Next Dividend Ex-DateN/A
Dividend Yield3.57%
Share Statistics
EPS (TTM)2.60
Shares Outstanding14,231,423
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 Ratio11.99
Enterprise Value/Market Cap1.13
Enterprise Value/Revenue1.85
Enterprise Value/Gross Profit3.46
Enterprise Value/Ebitda6.93
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
Topline MomentumSustained TTM revenue growth (~148% year-over-year) alongside a stronger net margin (~17.9%) indicates durable expansion of interest-earning assets and fee income. Persistent top-line momentum supports continued loan origination capacity and revenue visibility across multiple quarters.
Conservative CapitalizationA low debt-to-equity ratio (~0.18) and rising equity provide a meaningful capital buffer. This conservative leverage profile enhances the bank's ability to absorb credit stress, fund organic loan growth, and maintain flexibility on dividends and capital allocation over the coming months.
Cash Generation & Dividend SupportPositive operating cash flow (~$26.6M) and free cash flow (~$22M, ~0.91x net income) demonstrate the franchise generates cash to fund lending and shareholder returns. A recurring dividend ($0.22 declared) signals management confidence and links capital return to cash generation durability.
Bears Say
Below-Peak Returns On EquityA TTM ROE near 9.6% materially trails earlier peak performance (~15.6% in 2021), reflecting lower capital efficiency. If returns remain subdued, the bank may face structural limits on reinvestment capacity and slower equity value creation over multiple quarters.
Uneven Cash ConversionA ~14.8% TTM decline in free cash flow and prior-year negative operating cash flow point to volatile cash conversion. This instability makes capital planning, dividend consistency, and reserve provisioning more challenging across economic cycles and into the next several quarters.
Deposit Funding SensitivityManagement intentionally reduced brokered deposits and opted not to chase higher market deposit rates, which lowered deposit balances. While strategic, this reduces short-term funding depth and could constrain loan growth or raise reliance on costlier funding if core deposit inflows don't replace the reduction.
PCB Bancorp News
PCB FAQ
What was PCB Bancorp’s price range in the past 12 months?
PCB Bancorp lowest stock price was $18.78 and its highest was $24.99 in the past 12 months.
What is PCB Bancorp’s market cap?
PCB Bancorp’s market cap is $342.98M.
When is PCB Bancorp’s upcoming earnings report date?
PCB Bancorp’s upcoming earnings report date is Jul 23, 2026 which is in 79 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 $0.2 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 14,231,423 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 0.335%.
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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5
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7
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9
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.
Insider Transactions
Bought Shares
Worth $418.4K over
the Last 3 Months
the Last 3 Months
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 operates as the bank holding company for Pacific City Bank that provides various banking products and services to small to medium-sized businesses, individuals, and professionals in Southern California. The company offers demand, savings, money market, and time deposits, as well as certificates of deposit; and remote deposit capture, courier deposit services, positive pay services, zero balance accounts, and sweep accounts. It also provides real estate loans, including commercial and residential, Small Business Administration (SBA) property, and construction loans; commercial and industrial loans, such as commercial term and lines of credit, SBA commercial term, and SBA Paycheck Protection Program loans; and other consumer loans comprising automobile secured loans and personal loans. In addition, the company offers access to account balances, online transfers, and online bill payment and electronic delivery of customer statements; and mobile banking solutions that include remote check deposit and mobile bill pay. Further, it provides automated teller machines; 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. The company operates through a network of 11 full-service branches in Los Angeles and Orange counties, California; and one full-service branch in each of Englewood Cliffs, New Jersey, and Bayside, New York. It also operates 10 loan production offices in Irvine, Artesia, and Los Angeles, California; Annandale, Virginia; Atlanta, Georgia; Chicago, Illinois; Bellevue, Washington; Aurora, Colorado; Carrollton, Texas; and New York, New York. 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.
PCB Stock 12 Month Forecast
Average Price Target
$26.00
▲(7.30% Upside)
Technical Analysis
Ownership Overview
18.16% Insiders
10.76% Mutual Funds
0.88% Other Institutional Investors
59.62% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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