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Financial Services - Banks - Regional - NASDAQ - US
$ 19.68
-0.802 %
$ 283 M
Market Cap
11.38
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on May, 8, 2025.

The intrinsic value of one PCB stock under the worst case scenario is HIDDEN Compared to the current market price of 19.7 USD, PCB Bancorp is HIDDEN

This DCF valuation model was last updated on May, 8, 2025.

The intrinsic value of one PCB stock under the base case scenario is HIDDEN Compared to the current market price of 19.7 USD, PCB Bancorp is HIDDEN

This DCF valuation model was last updated on May, 8, 2025.

The intrinsic value of one PCB stock under the best case scenario is HIDDEN Compared to the current market price of 19.7 USD, PCB Bancorp is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart PCB

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$22.0$22.0$21.5$21.5$21.0$21.0$20.5$20.5$20.0$20.0$19.5$19.5$19.0$19.0$18.5$18.5$18.0$18.0$17.5$17.5$17.0$17.0$16.5$16.515 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '25
FINANCIALS
99.7 M REVENUE
0.39%
36.3 M OPERATING INCOME
-16.13%
25.8 M NET INCOME
-15.94%
39 M OPERATING CASH FLOW
-38.45%
-312 M INVESTING CASH FLOW
-13.25%
229 M FINANCING CASH FLOW
-25.40%
46.9 M REVENUE
78.93%
46 M OPERATING INCOME
0.00%
7.03 M NET INCOME
-10.26%
4.22 M OPERATING CASH FLOW
-74.41%
-167 M INVESTING CASH FLOW
-962.59%
168 M FINANCING CASH FLOW
1050.38%
Balance Sheet PCB Bancorp
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Current Assets 209 M
Cash & Short-Term Investments 173 M
Receivables 10.5 M
Other Current Assets 25.3 M
Non-Current Assets 32.8 M
Long-Term Investments 146 M
PP&E 25.5 M
Other Non-Current Assets -139 M
71.66 %10.47 %60.46 %10.55 %Total Assets$242.0m
Current Liabilities 15 M
Accounts Payable 0
Short-Term Debt 15 M
Other Current Liabilities 0
Non-Current Liabilities 2.69 B
Long-Term Debt 0
Other Non-Current Liabilities 2.69 B
99.44 %Total Liabilities$2.7b
EFFICIENCY
Earnings Waterfall PCB Bancorp
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Revenue 99.7 M
Cost Of Revenue 35.7 M
Gross Profit 64 M
Operating Expenses 99.7 M
Operating Income 36.3 M
Other Expenses 10.5 M
Net Income 25.8 M
100m100m80m80m60m60m40m40m20m20m00(20m)(20m)(40m)(40m)100m(36m)64m(100m)36m(10m)26mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
64.24% GROSS MARGIN
64.24%
36.39% OPERATING MARGIN
36.39%
25.89% NET MARGIN
25.89%
7.09% ROE
7.09%
0.84% ROA
0.84%
10.66% ROIC
10.66%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis PCB Bancorp
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70m70m60m60m50m50m40m40m30m30m20m20m10m10m00(10m)(10m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 25.8 M
Depreciation & Amortization 4.02 M
Capital Expenditures 0
Stock-Based Compensation 504 K
Change in Working Capital 17.9 M
Others -4.95 M
Free Cash Flow 34.9 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets PCB Bancorp
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Wall Street analysts predict an average 1-year price target for PCB of $21 , with forecasts ranging from a low of $21 to a high of $21 .
PCB Lowest Price Target Wall Street Target
21 USD 6.71%
PCB Average Price Target Wall Street Target
21 USD 6.71%
PCB Highest Price Target Wall Street Target
21 USD 6.71%
Price
Max Price Target
Min Price Target
Average Price Target
222221212020191918181717161615151414Jun '24Jun '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
1.07% DIVIDEND YIELD
0.2 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.800.800.700.700.600.600.500.500.400.400.300.300.200.200.100.100.000.000.030.030.050.10.10.150.150.180.20.030.030.060.10.10.150.180.180.20.030.030.060.10.120.150.180.180.030.120.030.120.080.250.10.400.120.440.150.600.180.690.180.720.40201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 9
6. Ownership
Insider Ownership PCB Bancorp
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
462 K USD 1
9-12 MONTHS
0 USD 0
Bought
397 K USD 1
0-3 MONTHS
660 K USD 3
3-6 MONTHS
417 K USD 2
6-9 MONTHS
371 K USD 2
9-12 MONTHS
7. News
3 Top Momentum Stocks for May: NOMD, HWKN, PCB Nomad Foods, Hawkins and PCB Bancorp were chosen as momentum picks under the Driehaus strategy. zacks.com - 2 weeks ago
Can PCB Bancorp (PCB) Run Higher on Rising Earnings Estimates? PCB Bancorp (PCB) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions. zacks.com - 2 weeks ago
PCB Bancorp: Why The Market Is Sleeping On This Fast-Growing Niche Bank PCB Bancorp has shown robust growth, with double-digit annualized increases in net interest income, gross loans, earning assets, and deposits over the past decade. Despite its strong performance, PCB Bancorp trades at a discount to tangible book value and has a relatively low P/E ratio. Investors are seemingly worried about exposure to recent wildfires along with uncertainty from tariffs. seekingalpha.com - 2 weeks ago
Best Momentum Stock to Buy for April 29th PM, THFF and PCB made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on April 29, 2025. zacks.com - 2 weeks ago
New Strong Buy Stocks for April 29th MATX, SNN, ALEX, PCB and LTH have been added to the Zacks Rank #1 (Strong Buy) List on April 29, 2025. zacks.com - 2 weeks ago
PCB Bancorp (PCB) Tops Q1 Earnings Estimates PCB Bancorp (PCB) came out with quarterly earnings of $0.53 per share, beating the Zacks Consensus Estimate of $0.51 per share. This compares to earnings of $0.33 per share a year ago. zacks.com - 3 weeks ago
PCB Bancorp Declares Quarterly Cash Dividend of $0.20 Per Common Share LOS ANGELES--(BUSINESS WIRE)--PCB Bancorp (the “Company”) (NASDAQ: PCB), the holding company of PCB Bank, announced that on April 23, 2025, its Board of Directors declared a quarterly cash dividend of $0.20 per common share. The dividend will be paid on or about May 16, 2025, to shareholders of record as of the close of business on May 9, 2025. About PCB Bancorp PCB Bancorp is the bank holding company for PCB Bank, a California state chartered bank, offering a full suite of commercial banking s. businesswire.com - 3 weeks ago
PCB Bancorp Reports Earnings for Q1 2025 LOS ANGELES--(BUSINESS WIRE)--PCB Bancorp (the “Company”) (NASDAQ: PCB), the holding company of PCB Bank (the “Bank”), today reported net income available to common shareholders of $7.7 million, or $0.53 per diluted common share, for the first quarter of 2025, compared with $6.7 million, or $0.46 per diluted common share, for the previous quarter and $4.7 million, or $0.33 per diluted common share, for the year-ago quarter. Q1 2025 Highlights Net income available to common shareholders totaled. businesswire.com - 3 weeks ago
Why PCB Bancorp (PCB) is a Top Dividend Stock for Your Portfolio Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does PCB Bancorp (PCB) have what it takes? zacks.com - 3 weeks ago
Should Value Investors Buy PCB Bancorp (PCB) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 3 weeks ago
PCB Bancorp (PCB) to Report Q1 Results: Wall Street Expects Earnings Growth PCB Bancorp (PCB) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 1 month ago
5 Bargain Picks With Low Price-to-Sales Ratios & High Upside Potential The price-to-sales ratio is a convenient tool to gauge the value of stocks incurring losses or in an early development cycle. Stocks like GIII, PCB, ROCK, PRAA and PAM hold promise. zacks.com - 1 month ago
8. Profile Summary

PCB Bancorp PCB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 283 M
Dividend Yield 1.07%
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.
Contact 3701 Wilshire Boulevard, Los Angeles, CA, 90010-2871 https://www.paccity.net
IPO Date Aug. 10, 2018
Employees 257
Officers Mr. Henry Kim President, Chief Executive Officer & Director Ms. Ho Lee Yeon Senior Vice President & Branch Manager of Olympic John Aragon Executive Vice President & Chief Information Officer Hoon Jang Young Senior Vice President & Branch Manager of Western Thomas Kim Senior Vice President & Downtown Regional Manager of Downtown Fashion District Hee Lee Joon Senior Vice President & Manager of Consumer Loan Department Joanne Kim Senior Vice President and Branch Manager of Buena Park & Fullerton Branch Mr. David W. Kim J.D. Executive Vice President & Chief Banking Officer Soo Yim Kyoung Senior Vice President & Branch Manager of Irvine Mr. Timothy T. Chang CPA Executive Vice President & Chief Financial Officer