PCB Bancorp (PCB) AI Stock Analysis

• Market Cap: $325.57M
• Dividend Yield: 3.54%
• Average Volume (3M): 25.41K
• Price to Earnings (P/E): 9.5
• Beta (1Y): 0.73
• 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: 33,588
• 30 Day Avg. Volume: 25,413
• 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: 1.12
• Enterprise Value/Revenue: 1.77
• Enterprise Value/Gross Profit: 3.39
• Enterprise Value/Ebitda: 6.77
• 1Y Price Target: $25.25
• Price Target Upside: 11.87% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 77 Outperform
• Price Target: $25.00 ▲(10.77% Upside)

PCB Bancorp's overall score reflects its strong financial performance, attractive valuation, and positive corporate events. The company's stable financial position and efficient operations are significant strengths, while the technical analysis indicates a moderately positive trend. The recent announcement of record earnings and dividends further enhances the stock's appeal.

Positive Factors

Strong Profitability

Strong profitability and efficient operations suggest that PCB Bancorp effectively manages its resources, ensuring sustainable earnings and competitive positioning in the market.

Low Leverage

Low leverage enhances financial stability and flexibility, allowing PCB Bancorp to invest in growth opportunities without significant debt-related constraints.

Record Earnings

Record earnings indicate strong financial performance and effective management strategies, reinforcing the company's market position and potential for future growth.

Negative Factors

Decline in Revenue Growth

A decline in revenue growth could signal challenges in expanding market share or product offerings, potentially impacting long-term financial performance.

Decreased Gross Profit Margin

Decreasing gross profit margins suggest rising costs or pricing pressures, which could erode profitability if not managed effectively over time.

Free Cash Flow Conversion

Limited free cash flow conversion may restrict the company's ability to reinvest in growth initiatives or return capital to shareholders, impacting long-term strategic flexibility.

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 generates revenue through multiple key streams, primarily from interest income earned on loans and investments. The company provides various types of loans, including commercial, residential, and consumer loans, which yield interest payments over time. Additionally, PCB earns non-interest income from service fees on deposit accounts, transaction fees, and other banking services. The bank's revenue is also supplemented by investment income from its securities portfolio. Significant partnerships with local businesses and community organizations contribute to its customer base, driving growth in deposits and loan origination, ultimately enhancing its earnings potential.

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	206.18M	191.91M	161.86M	116.25M	99.91M	91.50M
Gross Profit	107.60M	96.31M	99.32M	100.53M	100.17M	64.71M
EBITDA	53.89M	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	519.78M	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	25.77M	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: 22.57
• 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 22.57 is above the 20-day moving average (MA) of 22.52, above the 50-day MA of 21.62, and above the 200-day MA of 20.35, indicating a bullish trend. The MACD of 0.50 indicates Negative momentum. The RSI at 51.61 is Neutral, neither overbought nor oversold. The STOCH value of 53.42 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
CBAN	80 Outperform	$390.38M	11.53	9.63%	2.54%	6.92%	26.93%
PCB	77 Outperform	$325.57M	9.52	9.38%	3.54%	10.93%	42.68%
FSBW	75 Outperform	$324.95M	10.55	10.77%	3.16%	4.43%	-12.94%
FNLC	72 Outperform	$312.68M	9.91	11.86%	5.24%	10.46%	18.70%
PLBC	70 Neutral	$320.86M	10.80	12.34%	2.64%	11.98%	-10.12%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WSBF	63 Neutral	$308.23M	12.58	6.95%	3.59%	-0.09%	83.67%

PCB Bancorp Corporate Events

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.