PCB Bancorp (PCB)
NASDAQ:PCB
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PCB Bancorp
(NASDAQ:PCB)
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Rating:76Outperform
Price Target:
$27.00
â–²(11.43% Upside)
Action:ReiteratedDate:04/24/26
Overall score is driven by attractive valuation (low P/E and solid dividend yield) and constructive technical strength (price above major moving averages with positive MACD). Financial performance is supportive but capped by below-peak profitability/returns and a more uneven cash-flow profile.
Positive Factors
Topline Momentum
Sustained 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.
Negative Factors
Below-Peak Returns on Equity
A 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Topline Momentum
Sustained 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.
Read all positive factors
PCB Bancorp (PCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$343.40M
Dividend Yield3.57%
Average Volume (3M)25.00K
Price to Earnings (P/E)7.5
Beta (1Y)0.78
Revenue Growth8.84%
EPS Growth43.48%
CountryUS
Employees257
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.74
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 Cap0.98
Enterprise Value/Revenue1.61
Enterprise Value/Gross Profit3.02
Enterprise Value/Ebitda6.04
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
PCB Bancorp Business Overview & Revenue Model
Company Description
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, savin...
How the Company Makes Money
PCB Bancorp primarily makes money through its banking subsidiary by earning net interest income and noninterest income. Net interest income is generated from interest earned on loans (such as commercial and industrial loans, commercial real estate...
PCB Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
62
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 209.37M | 191.91M | 161.86M | 116.25M | 99.91M |
| Gross Profit | 111.69M | 96.31M | 99.32M | 100.53M | 100.17M |
| EBITDA | 52.49M | 40.30M | 47.33M | 53.13M | 60.34M |
| Net Income | 37.45M | 25.81M | 30.70M | 34.99M | 40.10M |
Balance Sheet | |||||
| Total Assets | 3.28B | 3.06B | 2.79B | 2.42B | 2.15B |
| Cash, Cash Equivalents and Short-Term Investments | 185.33M | 345.14M | 385.67M | 288.89M | 326.48M |
| Total Debt | 71.99M | 33.67M | 59.14M | 26.81M | 17.44M |
| Total Liabilities | 2.89B | 2.70B | 2.44B | 2.08B | 1.89B |
| Stockholders Equity | 390.03M | 363.81M | 348.87M | 335.44M | 256.29M |
Cash Flow | |||||
| Free Cash Flow | 25.66M | 34.91M | 62.03M | 51.81M | -2.05M |
| Operating Cash Flow | 26.59M | 38.98M | 63.34M | 57.27M | -1.62M |
| Investing Cash Flow | -200.14M | -311.74M | -275.27M | -356.67M | -175.22M |
| Financing Cash Flow | 181.90M | 229.20M | 307.24M | 243.14M | 186.03M |
PCB Bancorp Technical Analysis
Positive
24.23
Price Trends
22.74
Positive
22.40
Positive
21.64
Positive
Market Momentum
0.53
Negative
67.58
Neutral
70.95
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PCB, the sentiment is Positive. The current price of 24.23 is above the 20-day moving average (MA) of 23.16, above the 50-day MA of 22.74, and above the 200-day MA of 21.64, indicating a bullish trend. The MACD of 0.53 indicates Negative momentum. The RSI at 67.58 is Neutral, neither overbought nor oversold. The STOCH value of 70.95 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PCB.
PCB Bancorp Risk Analysis
PCB Bancorp disclosed 41 risk factors in its most recent earnings report. PCB Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
PCB Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $343.40M | 7.46 | 10.43% | 3.57% | 8.84% | 43.48% | |
71 Outperform | $355.78M | 8.73 | 13.34% | 2.63% | 21.59% | -4.49% | |
70 Outperform | $320.75M | 8.65 | 13.08% | 5.24% | 5.29% | 28.70% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $420.06M | 12.91 | 8.83% | 2.55% | 12.81% | 11.31% | |
63 Neutral | $304.86M | 9.26 | 10.88% | 3.17% | 6.31% | -1.13% | |
60 Neutral | $327.27M | 13.06 | 7.67% | 3.59% | 3.42% | 63.88% |
* Financial Sector Average
PCB
PCB Bancorp
24.33
5.28
27.72%
CBAN
Colony Bankcorp
19.83
4.56
29.83%
FNLC
First Bancorp
28.89
5.32
22.58%
PLBC
Plumas Bancorp
51.05
8.68
20.49%
WSBF
Waterstone Financial
18.10
6.21
52.27%
FSBW
FS Bancorp
40.79
2.02
5.22%
PCB Bancorp Corporate Events
DividendsFinancial Disclosures
PCB Bancorp Posts Strong Q1 2026 Earnings Growth
Positive
Apr 23, 2026
On April 23, 2026, PCB Bancorp reported that first-quarter 2026 net income available to common shareholders rose to $10.6 million, or $0.74 per diluted share, up from $9.1 million in the prior quarter and $7.7 million a year earlier, driven by hig...
Business Operations and StrategyDividendsFinancial Disclosures
PCB Bancorp Posts Strong 2025 Results, Raises Dividend
Positive
Jan 29, 2026
On January 29, 2026, PCB Bancorp reported fourth-quarter 2025 net income available to common shareholders of $9.1 million, or $0.64 per diluted share, down from the prior quarter but up from the year-ago period, while full-year 2025 net income ros...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.