Want to see PCB full AI Analyst Report?
PCB Stock Chart & Stats
$28.08
-$0.09(-0.32%)
At close: 4:00 PM EDT
$28.08
-$0.09(-0.32%)
Day’s Range― - ―
52-Week Range$19.70 - $30.84
Previous Close$27.99
Volume60.50K
Average Volume (3M)25.00K
Market Cap
$391.42M
Enterprise Value$549.38
Total Cash (Recent Filing)$30.90M
Total Debt (Recent Filing)$107.70M
Price to Earnings (P/E)9.4
Beta0.79
Next Earnings
Oct 22, 2026EPS Estimate
0.73Next Dividend Ex-DateN/A
Dividend Yield3.12%
Share Statistics
EPS (TTM)2.93
Shares Outstanding14,044,602
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$29.50Price Target Upside5.06% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)2.94
Revenue Forecast (FY)$125.43M
Bulls Say, Bears Say
Bulls Say
ProfitabilitySustained TTM net margin near 20% indicates durable operating profitability for a regional bank. This level of margin supports internal funding for growth, dividend continuity and resilient earnings through rate cycles, reflecting efficient core lending and fee businesses.
Cash GenerationOperating cash flow and free cash flow being roughly in line with net income points to high earnings quality and dependable internal cash generation. That consistency supports capital deployment, dividend payments and loan growth without heavy reliance on external funding.
Asset Quality & Measured GrowthVery low nonperforming assets (0.25%) combined with rising loans and deposits signals disciplined underwriting and measured balance-sheet expansion. Strong asset quality reduces credit loss volatility and underpins sustainable interest income as the bank grows core lending volumes.
Bears Say
Rising LeverageA notable rise in debt relative to 2024–2025 increases leverage and reduces balance-sheet flexibility. Higher funding obligations can amplify sensitivity to rate shocks, constrain capital actions during stress, and raise funding costs if external markets tighten.
Earnings/Cash-flow CyclicalityMulti-year cyclicality and historical dips (including 2024 and a weak 2021) imply earnings and cash flow volatility. This reduces predictability for reinvestment and dividends, requiring larger reserves or conservative strategy to smooth payouts and capital planning over cycles.
Margin PressureA modestly declining net interest margin (3.33%) and sequentially lower quarterly earnings suggest pressure on core lending economics. Sustained margin compression would erode net interest income and could force trade-offs between rate-driven loan growth and profitability.
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 $30.84 in the past 12 months.
What is PCB Bancorp’s market cap?
PCB Bancorp’s market cap is $391.42M.
When is PCB Bancorp’s upcoming earnings report date?
PCB Bancorp’s upcoming earnings report date is Oct 22, 2026 which is in 72 days.
How were PCB Bancorp’s earnings last quarter?
PCB Bancorp released its earnings results on Jul 23, 2026. The company reported $0.73 earnings per share for the quarter, beating the consensus estimate of $0.7 by $0.03.
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 3.12%. See more information on PCB Bancorp dividends here
What is PCB Bancorp’s EPS estimate?
PCB Bancorp’s EPS estimate is 0.73.
How many shares outstanding does PCB Bancorp have?
PCB Bancorp has 14,044,602 shares outstanding.
What happened to PCB Bancorp’s price movement after its last earnings report?
PCB Bancorp reported an EPS of $0.73 in its last earnings report, beating expectations of $0.7. Following the earnings report the stock price went down -2.835%.
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
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$29.50 (5.06% Upside)
$29.50 (5.06% Upside)
Blogger Sentiment
Neutral
PCB Sentiment 50%
Sector Average 55%
Sector Average 55%
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
3.12%
Trailing 12-Months
Asset Growth
4.98%
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
$29.50
▲(5.06% Upside)
Technical Analysis
Ownership Overview
12.18% Insiders
10.93% Mutual Funds
3.50% Other Institutional Investors
61.57% Public Companies and
Individual Investors