PCB Bancorp (PCB)
NASDAQ:PCB
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PCB Stock Chart & Stats
$24.23
-$0.01(-0.05%)
At close: 4:00 PM EST
$24.23
-$0.01(-0.05%)
Day’s Range― - ―
52-Week Range$19.70 - $28.39
Previous CloseN/A
Volume1.68K
Average Volume (3M)25.00K
Market Cap
$397.86M
Enterprise Value$416.18M
Total Cash (Recent Filing)$195.26M
Total Debt (Recent Filing)$68.30M
Price to Earnings (P/E)9.9
Beta0.78
Next Earnings
Jul 23, 2026EPS Estimate
0.7Next Dividend Ex-DateN/A
Dividend Yield3.57%
Share Statistics
EPS (TTM)2.82
Shares Outstanding14,234,723
10 Day Avg. Volume33,782
30 Day Avg. Volume25,005
Financial Highlights & Ratios
PEG Ratio0.17
Price to Book (P/B)0.79
Price to Sales (P/S)1.47
P/FCF Ratio12.61
Enterprise Value/Market Cap1.05
Enterprise Value/Revenue1.96
Enterprise Value/Gross Profit3.58
Enterprise Value/Ebitda6.85
Forecast
1Y Price Target
$26.00Price Target Upside7.30% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)2.77
Revenue Forecast (FY)$125.80M
Bulls Say, Bears Say
Bulls Say
Balance-sheet ConservatismPCB's low debt-to-equity (~0.17 TTM) and steady growth in equity and assets indicate a conservative capital posture. That strengthens loss-absorbing capacity, supports measured loan growth, and provides regulatory and strategic flexibility, improving resilience across economic cycles.
Durable Revenue And MarginsMulti-year revenue growth alongside TTM net margin near 19% and EBIT margin ~27% shows the core banking model is generating durable profitability. Sustainable margins and recurring interest and fee income support steady internal capital generation and reinvestment in the franchise.
Positive Cash GenerationPositive TTM operating and free cash flow, with FCF tracking net income (~0.91x), signals the company converts earnings into cash. This underpins dividend payments, loan funding, and discretionary uses, giving management options to support growth and withstand short-term shocks.
Bears Say
Margin Compression RiskMargins have compressed materially from the unusually strong 2021–2022 levels, reducing potential earnings power. If net interest margin or fee trends reverse, the bank's profitability sensitivity to funding costs and loan mix could constrain long-term EPS growth and capital return capacity.
Historical Cash-flow VolatilityMaterial swings in operating and free cash flow reduce predictability of internally available funds. This volatility can force pro-cyclical capital decisions, limit stable dividend growth, and increase likelihood of external funding needs during downturns, stressing long-term financial planning.
Variable Returns On EquityROE volatility indicates earnings are sensitive to cycle, loan performance and margin shifts. Fluctuating returns complicate forecasting and investor expectations, and can limit consistent capital distributions or require retained earnings to rebuild buffers after weak periods.
PCB Bancorp News
PCB FAQ
What was PCB Bancorp’s price range in the past 12 months?
PCB Bancorp lowest stock price was $19.70 and its highest was $28.39 in the past 12 months.
What is PCB Bancorp’s market cap?
PCB Bancorp’s market cap is $397.86M.
When is PCB Bancorp’s upcoming earnings report date?
PCB Bancorp’s upcoming earnings report date is Jul 23, 2026 which is in 27 days.
How were PCB Bancorp’s earnings last quarter?
PCB Bancorp released its earnings results on Apr 23, 2026. The company reported $0.74 earnings per share for the quarter, beating the consensus estimate of $0.657 by $0.083.
Is PCB Bancorp overvalued?
According to Wall Street analysts PCB Bancorp’s price is currently Undervalued.
Does PCB Bancorp pay dividends?
PCB Bancorp pays a Quarterly dividend of $0.22 which represents an annual dividend yield of 3.57%. See more information on PCB Bancorp dividends here
What is PCB Bancorp’s EPS estimate?
PCB Bancorp’s EPS estimate is 0.7.
How many shares outstanding does PCB Bancorp have?
PCB Bancorp has 14,234,723 shares outstanding.
What happened to PCB Bancorp’s price movement after its last earnings report?
PCB Bancorp reported an EPS of $0.74 in its last earnings report, beating expectations of $0.657. Following the earnings report the stock price went up 0.334%.
Which hedge fund is a major shareholder of PCB Bancorp?
Currently, no hedge funds are holding shares in PCB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
PCB Bancorp Stock Smart Score
Neutral
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10
Analyst Consensus
Hold
Average Price Target:
$26.00 (7.30% Upside)
$26.00 (7.30% Upside)
Blogger Sentiment
Bullish
PCB Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 40.0K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
16.54%
12-Months-Change
Fundamentals
Return on Equity
10.43%
Trailing 12-Months
Asset Growth
5.49%
Trailing 12-Months
Company Description
PCB Bancorp
PCB Bancorp operates as the bank holding company for PCB Bank that provides various banking products and services to small and middle market businesses and individuals in the United States. The company offers demand, savings, money market, time deposits, and certificates of deposit; and remote deposit capture, courier deposit and positive pay services, zero balance accounts, and sweep accounts. It also provides real estate loans, including commercial and residential, small business administration (SBA), multifamily, business property, and construction loans; commercial and industrial loans, such as commercial term and lines of credit, and SBA commercial term, trade finance, home, and mortgage warehouse; consumer loans comprising residential mortgage and other consumer loans; and automobile loans, unsecured lines of credit, and term loans. In addition, the company offers access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; and mobile banking solutions, including remote check deposit and mobile bill pay. Further, it provides automated teller machines; cash management, debit and credit card, and online and mobile banking; 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. It operates through full-service branches and loan production offices. 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.
PCB Stock 12 Month Forecast
Average Price Target
$26.00
▲(7.30% Upside)
Technical Analysis
Ownership Overview
14.96% Insiders
10.77% Mutual Funds
10.07% Other Institutional Investors
53.30% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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