PCB Bancorp (PCB) AI Stock Analysis

• Market Cap: $313.88M
• Dividend Yield: 3.65%
• Average Volume (3M): 29.28K
• Price to Earnings (P/E): 9.2
• Beta (1Y): 0.79
• Revenue Growth: 10.93%
• EPS Growth: 42.68%
• Country: US
• Employees: 257
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.78
• Shares Outstanding: 14,260,754
• 10 Day Avg. Volume: 37,569
• 30 Day Avg. Volume: 29,280
• PEG Ratio: -0.61
• Price to Book (P/B): 0.79
• Price to Sales (P/S): 1.50
• P/FCF Ratio: 8.26
• Enterprise Value/Market Cap: 1.16
• Enterprise Value/Revenue: 2.01
• Enterprise Value/Gross Profit: 3.72
• Enterprise Value/Ebitda: 7.20
• 1Y Price Target: $24.50
• Price Target Upside: 11.97% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 80 Outperform
• Price Target: $25.00 ▲(14.26% Upside)

PCB Bancorp's stock is supported by a strong financial foundation, attractive valuation, and positive technical indicators. The company's low P/E ratio and solid dividend yield enhance its investment appeal. While revenue growth has slowed, the company's operational efficiency and financial stability position it well in the regional banking sector.

PCB Bancorp Business Overview & Revenue Model

Company Description

PCB Bancorp (PCB) is a financial holding company based in the United States, primarily engaged in commercial banking activities through its subsidiary, PCB Bank. The company operates in the banking sector, focusing on providing a range of financial services to individuals and businesses. Key offerings include personal and business banking products, loans, deposits, and wealth management services, with an emphasis on serving the diverse needs of its customers in the communities it operates.

How the Company Makes Money

PCB Bancorp generates revenue mainly through interest income from loans and financial services. Its primary revenue streams include interest earned from commercial and personal loans, which constitutes a substantial portion of its earnings. Additionally, the bank earns non-interest income from fees associated with deposit accounts, transaction services, and wealth management services. The company may also benefit from partnerships with local businesses for loan origination and service provision, as well as from its investment activities. Overall, PCB Bancorp's financial performance is driven by its ability to effectively manage its loan portfolio and attract deposits, along with a focus on customer service and community engagement.

PCB Bancorp Financial Statement Overview

Summary

PCB Bancorp demonstrates a stable financial position with strong profitability and efficient operations. Despite a decline in revenue growth, the company maintains healthy margins and a solid balance sheet with low leverage. Cash flow generation is improving, though there is room for enhancing cash conversion from earnings.

Income Statement

PCB Bancorp's income statement shows a mixed performance. The TTM data indicates a decline in revenue growth rate by 9.11%, which is a concern. However, the company maintains a strong net profit margin of 17.89% and a healthy EBIT margin of 25.21%, showcasing operational efficiency. The gross profit margin has decreased over the years, indicating potential cost pressures.

Balance Sheet

The balance sheet reflects a solid financial position with a low debt-to-equity ratio of 0.049, indicating conservative leverage. The return on equity is reasonable at 9.21%, suggesting effective use of equity capital. The equity ratio is robust, highlighting a strong capital base and financial stability.

Cash Flow

Cash flow analysis reveals a positive trend with a 29.74% growth in free cash flow, indicating improved cash generation. The operating cash flow to net income ratio of 1.23 suggests good cash conversion. However, the free cash flow to net income ratio of 0.92 indicates that not all earnings are translating into free cash flow, which could be an area for improvement.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	181.83M	191.91M	161.86M	116.25M	99.91M	91.50M
Gross Profit	98.07M	96.31M	99.32M	100.53M	100.17M	64.71M
EBITDA	50.64M	40.30M	47.33M	53.13M	60.34M	26.45M
Net Income	35.25M	25.81M	30.70M	34.99M	40.10M	16.18M
Balance Sheet
Total Assets	3.36B	3.06B	2.79B	2.42B	2.15B	1.92B
Cash, Cash Equivalents and Short-Term Investments	174.65M	345.14M	385.67M	288.89M	326.48M	314.63M
Total Debt	18.96M	33.67M	59.14M	26.81M	17.44M	88.45M
Total Liabilities	2.98B	2.70B	2.44B	2.08B	1.89B	1.69B
Stockholders Equity	384.50M	363.81M	348.87M	335.44M	256.29M	233.79M
Cash Flow
Free Cash Flow	27.84M	34.91M	62.03M	51.81M	-2.05M	15.31M
Operating Cash Flow	27.89M	38.98M	63.34M	57.27M	-1.62M	17.09M
Investing Cash Flow	-290.26M	-311.74M	-275.27M	-356.67M	-175.22M	-132.82M
Financing Cash Flow	438.81M	229.20M	307.24M	243.14M	186.03M	163.60M

PCB Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 21.88
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 21.88 is above the 20-day moving average (MA) of 21.00, above the 50-day MA of 20.93, and above the 200-day MA of 19.92, indicating a bullish trend. The MACD of 0.33 indicates Negative momentum. The RSI at 61.17 is Neutral, neither overbought nor oversold. The STOCH value of 70.30 is Neutral, 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
PCB	80 Outperform	$313.88M	9.17	9.38%	3.65%	10.93%	42.68%
FSBW	73 Outperform	$288.43M	9.27	10.77%	3.35%	4.43%	-12.94%
CBAN	72 Outperform	$281.57M	10.14	9.63%	2.81%	6.92%	26.93%
FNLC	72 Outperform	$278.70M	8.84	11.86%	5.71%	10.46%	18.70%
PLBC	68 Neutral	$289.28M	9.73	12.34%	2.83%	11.98%	-10.12%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WSBF	63 Neutral	$286.82M	11.71	6.95%	3.86%	-0.09%	83.67%

PCB Bancorp Corporate Events

PCB Bancorp Achieves Record Q3 2025 Earnings

PCB Bancorp is a bank holding company for PCB Bank, primarily serving small to medium-sized businesses, individuals, and professionals in Southern California, with a focus on Korean-American and other minority communities. The company has reported record earnings for the third quarter of 2025, with net income available to common shareholders reaching $11.3 million, marking a significant increase from both the previous quarter and the same quarter last year. Key financial metrics include a net interest income of $27.0 million, a net interest margin of 3.28%, and a notable gain on the sale of loans amounting to $1.6 million. The company’s total assets have grown to $3.36 billion, and total deposits have increased to $2.91 billion, reflecting strong financial growth. Looking ahead, PCB Bancorp remains cautiously optimistic about its ability to adapt to the current economic environment and continue delivering consistent returns and long-term growth for its shareholders.

PCB Bancorp Announces Quarterly Dividend and Record Earnings

On October 23, 2025, PCB Bancorp announced a quarterly cash dividend of $0.20 per common share, declared by its Board of Directors on October 22, 2025, to be paid on November 14, 2025. The company also reported record earnings for the third quarter of 2025, with net income of $11.3 million, marking a significant increase from previous quarters. This growth is attributed to higher net interest income, gains on loan sales, and controlled noninterest expenses, positioning the company strongly in the financial sector.

The most recent analyst rating on (PCB) stock is a Hold with a $22.50 price target. To see the full list of analyst forecasts on PCB Bancorp stock, see the PCB Stock Forecast page.