PCB Bancorp stock analysis
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PCB Bancorp (PCB) Stock Price & Analysis
PCB Stock Chart & Stats
- Day’s Range
- $30.11 - $30.62
- 52-Week Range
- $20.87 - $32.00
- Previous Close
- $30.04
- Volume
- N/A
- Average Volume (3M)
- 52.13K
- Market Cap
- $427.19M
- Enterprise Value
- $448.76M
- Total Cash (Recent Filing)
- $214.31M
- Total Debt (Recent Filing)
- $17.82M
- Price to Earnings (P/E)
- 10.1
- Beta
- 0.69
- Next Earnings
- Jan 28, 2027 (Est.)
- EPS Estimate
- 0.75
- Next Dividend Ex-Date
- Nov 13, 2026
- Dividend Yield
- 2.83%
Bulls Say, Bears Say
Bulls Say
Strong Earnings Rebound
The sharp revenue rebound and record quarterly earnings indicate stronger operating momentum across the bank’s core activities. Higher net interest income, improved margin, and rising noninterest income provide multiple earnings supports, making the recovery more durable than growth from a single revenue source.
Conservative Balance Sheet
Very low leverage allows PCB Bancorp to generate improving returns without relying heavily on debt financing. This strengthens resilience across changing credit and interest-rate conditions, preserves flexibility for lending and capital allocation, and supports the bank’s ability to absorb operating volatility.
Growing Deposit Funding
Deposit growth expands the funding base supporting PCB Bancorp’s lending and investment activities. A larger deposit franchise can improve operating scale and funding flexibility over time, while providing a durable platform for net interest income if the bank maintains disciplined pricing and credit selection.
Bears Say
Inconsistent Cash Generation
Although current cash conversion broadly tracks net income, the uneven historical pattern reduces confidence that earnings will consistently translate into internally generated cash. Negative TTM free-cash-flow growth could constrain flexibility for dividends, buybacks, or balance-sheet expansion if volatility persists.
Normalized Profitability
The recent improvement is meaningful, but earnings have not returned to the exceptional margin levels previously achieved. This suggests some recovery may reflect normalization from weaker conditions, while future profitability remains exposed to changes in interest rates and the credit cycle.
Greater Asset-side Exposure
Continued asset growth can support future earnings, but it also increases the amount of balance sheet exposed to changing credit and market conditions. The benefit therefore depends on underwriting discipline; weaker asset quality or risk selection could pressure provisions and returns over time.
PCB Bancorp News
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PCB Bancorp Stock Smart Score
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.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Henry Kim
- Employees
- 276
- Website
- www.mypcbbank.com
- Address
- 3701 Wilshire Boulevard, Los Angeles, CA, 90010-2871, US
PCB Bancorp (PCB) Earnings & Revenues
PCB Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 13 | 6 | 3 |
| Technical Analysis | 3 | 6 | 1 |
| Moving Averages | 10 | 0 | 2 |













