PCB Bancorp (PCB) AI Stock Analysis

• Market Cap: $308.79M
• Dividend Yield: 3.81%
• Average Volume (3M): 34.67K
• Price to Earnings (P/E): 11.1
• Beta (1Y): 0.69
• Revenue Growth: 14.10%
• EPS Growth: 11.51%
• Country: US
• Employees: 257
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 0.53
• Shares Outstanding: 14,309,232
• 10 Day Avg. Volume: 36,836
• 30 Day Avg. Volume: 34,669
• PEG Ratio: -1.13
• Price to Book (P/B): 1.21
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 9.33
• Enterprise Value/Market Cap: 0.51
• Enterprise Value/Revenue: 0.23
• Enterprise Value/Gross Profit: 1.31
• Enterprise Value/Ebitda: 0.99
• 1Y Price Target: $22.00
• Price Target Upside: 1.95% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 75 Outperform
• Price Target: ―

PCB Bancorp's overall stock score is driven primarily by strong financial performance and effective cash flow management. The stable technical analysis supports a positive outlook, with valuation metrics and corporate events further enhancing investment appeal.

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, 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.

How the Company Makes Money

PCB Bancorp makes money primarily through interest income generated from its lending activities. The bank issues loans to individuals and businesses, and the interest charged on these loans serves as a significant revenue stream. Additionally, PCB Bancorp earns income from fees associated with its banking services, such as account maintenance fees, transaction fees, and other service charges. The company also invests in securities and other financial instruments, earning interest and dividends that contribute to its overall revenue. Key factors contributing to its earnings include its ability to attract and retain customers, manage credit risk effectively, and maintain a competitive edge in its service offerings. Furthermore, strategic partnerships with other financial institutions and community involvement can also enhance the bank's market presence and revenue potential.

PCB Bancorp Financial Statement Overview

Summary

PCB Bancorp shows strong revenue management and a solid capital base. However, challenges in maintaining profitability and cash flow consistency indicate areas for improvement.

Income Statement

PCB Bancorp's income statement shows a resilient performance with stable revenue figures. The gross profit margin is strong, indicating efficient cost management in generating revenue. However, a decline in net income from the previous year affects the net profit margin, reflecting challenges in maintaining profitability levels. The lack of EBIT and EBITDA data for the latest year limits a comprehensive analysis of operating efficiency.

Balance Sheet

The balance sheet of PCB Bancorp highlights a solid financial structure with a low debt-to-equity ratio, indicating prudent leverage management. The equity ratio is robust, underlining a strong capital base relative to assets. However, fluctuations in cash and cash equivalents suggest variability in liquidity management, which could pose risks if not managed effectively.

Cash Flow

PCB Bancorp's cash flow statement reflects a significant drop in operating cash flow compared to the previous year, impacting the overall cash flow health. The free cash flow remains positive, supporting the company's capacity to reinvest in operations. However, the large negative investing cash flow indicates substantial investment activities, which need to be balanced with operational cash generation.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	194.88M	99.71M	99.32M	104.13M	99.91M	77.93M
Gross Profit	120.40M	64.05M	99.32M	100.53M	95.57M	77.93M
EBITDA	43.67M	40.30M	47.33M	53.13M	60.34M	26.45M
Net Income	28.86M	25.81M	30.70M	34.99M	40.10M	16.18M
Balance Sheet
Total Assets	3.18B	3.06B	2.79B	2.42B	2.15B	1.92B
Cash, Cash Equivalents and Short-Term Investments	177.04M	345.14M	385.67M	288.89M	326.48M	314.63M
Total Debt	19.46M	33.67M	59.14M	26.81M	17.44M	88.45M
Total Liabilities	2.81B	2.70B	2.44B	2.08B	1.89B	1.69B
Stockholders Equity	370.86M	363.81M	348.87M	335.44M	256.29M	233.79M
Cash Flow
Free Cash Flow	29.94M	34.91M	62.03M	51.81M	-2.05M	15.31M
Operating Cash Flow	36.41M	38.98M	63.34M	57.27M	-1.62M	17.09M
Investing Cash Flow	-343.02M	-311.74M	-275.27M	-356.67M	-175.22M	-132.82M
Financing Cash Flow	279.88M	229.20M	307.24M	243.14M	186.03M	163.60M

PCB Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 21.58
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 21.58 is above the 20-day moving average (MA) of 20.10, above the 50-day MA of 19.84, and above the 200-day MA of 19.23, indicating a bullish trend. The MACD of 0.40 indicates Negative momentum. The RSI at 69.09 is Neutral, neither overbought nor oversold. The STOCH value of 88.67 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PCB.

PCB Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FNLC	80 Outperform	$292.16M	10.36	11.19%	5.67%	13.08%	1.42%
CBAN	78 Outperform	$296.89M	11.87	9.20%	2.79%	6.61%	14.29%
OBT	78 Outperform	$338.61M	10.71	14.76%	2.01%	6.08%	-23.52%
PCB	75 Outperform	$308.79M	11.12	7.60%	3.81%	14.10%	11.51%
CZFS	73 Outperform	$294.25M	10.34	9.62%	3.34%	9.53%	63.45%
SFST	72 Outperform	$319.40M	17.34	5.60%	―	8.57%	37.95%
Sector *	62 Neutral	AU$9.99B	8.03	10.79%	5.17%	32.02%	38.31%

PCB Bancorp Corporate Events

PCB Bancorp Faces Nasdaq Non-Compliance Notice

On May 22, 2025, PCB Bancorp received a notice from Nasdaq indicating non-compliance with the Nasdaq Listing Rule 5250(c)(1) due to the delayed filing of its Quarterly Report on Form 10-Q for the quarter ended March 31, 2025. This notice does not immediately affect the company’s stock listing or trading on Nasdaq, and PCB Bancorp plans to file the report promptly and submit a compliance plan within the 60-day deadline. The delay is attributed to the need for additional time to assess a Securities Purchase Option Agreement related to its Series C Preferred Stock. If Nasdaq accepts the compliance plan, PCB Bancorp may receive up to 180 days to regain compliance, with potential implications for its stock listing if further delays occur.

The most recent analyst rating on (PCB) stock is a Hold with a $23.00 price target. To see the full list of analyst forecasts on PCB Bancorp stock, see the PCB Stock Forecast page.

PCB Bancorp Declares Quarterly Dividend Amid Growth

PCB Bancorp announced a quarterly cash dividend of $0.20 per common share, declared on April 23, 2025, to be paid on May 16, 2025. For the first quarter of 2025, PCB Bancorp reported a net income of $7.7 million, marking an increase from previous quarters, with growth in loan and deposit balances and an expanded net interest margin. Despite uncertainties in the economic environment, the company remains well-positioned to continue its growth and maintain strong credit quality.