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Financial Services - Banks - Regional - NASDAQ - US
$ 19.76
-0.654 %
$ 283 M
Market Cap
9.98
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one PCB stock under the worst case scenario is HIDDEN Compared to the current market price of 19.8 USD, PCB Bancorp is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one PCB stock under the base case scenario is HIDDEN Compared to the current market price of 19.8 USD, PCB Bancorp is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one PCB stock under the best case scenario is HIDDEN Compared to the current market price of 19.8 USD, PCB Bancorp is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart PCB

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$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$16.5Jan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 Jun
FINANCIALS
192 M REVENUE
18.57%
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%
49.5 M REVENUE
0.22%
10.8 M OPERATING INCOME
4.66%
7.74 M NET INCOME
10.03%
2.35 M OPERATING CASH FLOW
-44.40%
-97.2 M INVESTING CASH FLOW
41.74%
110 M FINANCING CASH FLOW
-34.41%
Balance Sheet PCB Bancorp
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Current Assets 356 M
Cash & Short-Term Investments 345 M
Receivables 10.5 M
Other Current Assets 0
Non-Current Assets 2.71 B
Long-Term Investments 2.61 B
PP&E 25.5 M
Other Non-Current Assets 77.8 M
11.26 %85.02 %Total Assets$3.1b
Current Liabilities 2.63 B
Accounts Payable 0
Short-Term Debt 15 M
Other Current Liabilities 2.62 B
Non-Current Liabilities 69.4 M
Long-Term Debt 18.7 M
Other Non-Current Liabilities 50.7 M
96.88 %Total Liabilities$2.7b
EFFICIENCY
Earnings Waterfall PCB Bancorp
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Revenue 192 M
Cost Of Revenue 95.6 M
Gross Profit 96.3 M
Operating Expenses 60 M
Operating Income 36.3 M
Other Expenses 10.5 M
Net Income 25.8 M
200m200m180m180m160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m00192m(96m)96m(60m)36m(10m)26mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
50.18% GROSS MARGIN
50.18%
18.91% OPERATING MARGIN
18.91%
13.45% NET MARGIN
13.45%
7.09% ROE
7.09%
0.84% ROA
0.84%
5.76% ROIC
5.76%
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 -4.08 M
Stock-Based Compensation 504 K
Change in Working Capital 17.9 M
Others -1.23 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 6.28%
PCB Average Price Target Wall Street Target
21 USD 6.28%
PCB Highest Price Target Wall Street Target
21 USD 6.28%
Price
Max Price Target
Min Price Target
Average Price Target
222221212020191918181717161615151414Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26
4. DIVIDEND ANALYSIS
1.11% 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 10
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
0 USD 0
9-12 MONTHS
462 K USD 1
Bought
0 USD 0
0-3 MONTHS
486 K USD 1
3-6 MONTHS
667 K USD 3
6-9 MONTHS
321 K USD 1
9-12 MONTHS
7. News
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
Best Momentum Stock to Buy for May 27th CVNA, PAAS and PCB made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on May 27, 2025. zacks.com - 3 weeks ago
Best Value Stocks to Buy for May 27th JAKK, PCB and IVR made it to the Zacks Rank #1 (Strong Buy) value stocks list on May 27, 2025. zacks.com - 3 weeks ago
Best Income Stocks to Buy for May 27th IVR, JAKK and PCB made it to the Zacks Rank #1 (Strong Buy) income stocks list on May 27, 2025. zacks.com - 3 weeks ago
New Strong Buy Stocks for May 27th CVNA, PCB, PAAS, HWM and SHBI have been added to the Zacks Rank #1 (Strong Buy) List on May 27, 2025. zacks.com - 3 weeks ago
PCB Bancorp Receives Nasdaq Notice Regarding Late Form 10-Q Filing LOS ANGELES--(BUSINESS WIRE)--PCB Bancorp (the “Company”) (NASDAQ: PCB), the holding company for PCB Bank, announced today that it received a notice from the Nasdaq Stock Market (“Nasdaq”) on May 22, 2025 notifying the Company that because its Form 10-Q for the quarter ended March 31, 2025 (the “First Quarter 10-Q”) was not filed with the Securities and Exchange Commission (“SEC”) by the required due date, the Company is not in compliance with the periodic filing requirements for continued list. businesswire.com - 4 weeks ago
5 Low Price-to-Sales Stocks That Can Deliver Big Returns in 2025 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 GDOT, JAKK, PCB, ROCK and PFE hold promise. zacks.com - 1 month ago
Are Investors Undervaluing PCB Bancorp (PCB) Right Now? 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 - 1 month ago
Why PCB Bancorp (PCB) is a Great Dividend Stock Right Now 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 - 1 month ago
5 Low Price-to-Sales Stocks That Deserve a Place in Your Portfolio 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 PCB, GIII, ROCK, PFE and PAM hold promise. zacks.com - 1 month ago
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 - 1 month 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 - 1 month ago
8. Profile Summary

PCB Bancorp PCB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 283 M
Dividend Yield 1.11%
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 Ms. Ho Lee Yeon Senior Vice President & Branch Manager of Olympic John Aragon Executive Vice President & Chief Information Officer Hee Lee Joon Senior Vice President & Manager of Consumer Loan Department Mr. Henry Kim President, Chief Executive Officer & Director Hoon Jang Young Senior Vice President & Branch Manager of Western Thomas Kim Senior Vice President & Downtown Regional Manager of Downtown Fashion District Soo Yim Kyoung Senior Vice President & Branch Manager of Irvine 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 Mr. Timothy T. Chang CPA Executive Vice President & Chief Financial Officer