PCB Bancorp

PCB Bancorp

PCBยทNASDAQ

$24.00

-2.1%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$341.63M
EPS2.6200
P/E Ratio9.16
Earnings Date07/23/2026
PCB Bancorp

PCB Bancorp Fair Value Envelope

PCB ยท NASDAQ

Our analysis suggests that PCB has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $24, this represents a potential HIDDEN relative to our calculated worth for PCB Bancorp.

Intrinsic Value
Current Price: $24

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$64.0M
+ Cash & Equivalents$25.3M
Firm Value$89.3M
- Debt$72.0M
Equity Value$17.3M
/ Shares Outstanding14,349,600B
DCF Value$1
OVERVALUED BY 95%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$19.5M
$14.4M
$10.6M
$7.8M
$5.7M
$4.2M
$3.1M
$2.3M
$1.7M
$1.2M
Maintenance CapEx
-$322.4K
-$236.9K
-$174.2K
-$128.0K
-$94.1K
-$69.2K
-$50.8K
-$37.4K
-$27.5K
-$20.2K
Owner Earnings
$19.2M
$14.1M
$10.4M
$7.6M
$5.6M
$4.1M
$3.0M
$2.2M
$1.6M
$1.2M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$17.8M
$12.1M
$8.2M
$5.6M
$3.8M
$2.6M
$1.8M
$1.2M
$819.0K
$557.4K
Terminal Value represents 14.8% of Enterprise Value