PCB Bancorp (PCB) AI Stock Analysis

• Market Cap: $336.27M
• Dividend Yield: 3.57%
• Average Volume (3M): 25.00K
• Price to Earnings (P/E): 9.0
• Beta (1Y): 0.74
• Revenue Growth: 10.93%
• EPS Growth: 42.68%
• Country: US
• Employees: 257
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.64
• Shares Outstanding: 14,260,754
• 10 Day Avg. Volume: 33,782
• 30 Day Avg. Volume: 25,005
• PEG Ratio: 0.17
• Price to Book (P/B): 0.79
• Price to Sales (P/S): 1.47
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 0.98
• Enterprise Value/Revenue: 1.58
• Enterprise Value/Gross Profit: 2.95
• Enterprise Value/Ebitda: 5.92
• 1Y Price Target: $25.50
• Price Target Upside: 8.14% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: $24.00 ▲(1.78% Upside)

The score is driven primarily by solid financial fundamentals (strong margins and low leverage) and attractive valuation (low P/E with a healthy dividend). These strengths are partly offset by weaker technical momentum and the noted revenue growth decline, with corporate events providing a modest positive tailwind due to improved full-year results and a dividend increase.

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

Strong profitability and efficiency (net margin 17.89%, EBIT margin 25.21%) and a conservative balance sheet (debt-to-equity 0.049) support the score. It is tempered by negative revenue growth (-9.11%) and only moderate cash conversion to free cash flow (FCF-to-net income 0.92) despite improving FCF growth (+29.74%).

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	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	19.00M	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	0.00	34.91M	62.03M	51.81M	-2.05M
Operating Cash Flow	0.00	38.98M	63.34M	57.27M	-1.62M
Investing Cash Flow	0.00	-311.74M	-275.27M	-356.67M	-175.22M
Financing Cash Flow	0.00	229.20M	307.24M	243.14M	186.03M

PCB Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 23.58
• 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 23.58 is above the 20-day moving average (MA) of 22.24, above the 50-day MA of 22.28, and above the 200-day MA of 20.98, indicating a bullish trend. The MACD of 0.23 indicates Negative momentum. The RSI at 63.49 is Neutral, neither overbought nor oversold. The STOCH value of 87.20 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	77 Outperform	$326.71M	9.24	11.86%	5.24%	10.46%	18.70%
FSBW	75 Outperform	$319.31M	9.92	10.77%	3.17%	4.43%	-12.94%
CBAN	74 Outperform	$444.85M	12.91	9.63%	2.55%	6.92%	26.93%
PLBC	73 Outperform	$365.93M	11.52	12.34%	2.63%	11.98%	-10.12%
PCB	72 Outperform	$336.27M	9.01	9.38%	3.57%	10.93%	42.68%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WSBF	63 Neutral	$343.48M	12.56	6.95%	3.59%	-0.09%	83.67%

PCB Bancorp Corporate Events

PCB Bancorp Posts Strong 2025 Results, Raises Dividend

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 rose to $37.2 million, or $2.58 per diluted share, from $25.0 million a year earlier. The bank delivered higher annual net interest income and margin, solid loan growth to $2.82 billion, and increased gains on loan sales, even as total deposits fell in the fourth quarter due largely to an intentional reduction in brokered balances and the decision not to match elevated market deposit rates. Asset quality metrics remained stable with an allowance for credit losses on loans at 1.18% at year-end 2025, provisions modestly higher year over year, and operating expenses kept in check, supporting improved profitability metrics, including a higher full-year return on average assets. Reflecting confidence in its earnings profile and balance sheet strength, the board declared on January 28, 2026, a quarterly cash dividend of $0.22 per common share, payable on or about February 20, 2026, to shareholders of record as of February 13, 2026.

The most recent analyst rating on (PCB) stock is a Buy with a $24.50 price target. To see the full list of analyst forecasts on PCB Bancorp stock, see the PCB Stock Forecast page.