PCB Bancorp (PCB) AI Stock Analysis

• Market Cap: $292.30M
• Dividend Yield: 3.8%
• Average Volume (3M): 23.82K
• Price to Earnings (P/E): 9.5
• Beta (1Y): 0.77
• Revenue Growth: 11.93%
• EPS Growth: 29.49%
• Country: US
• Employees: 257
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 14,349,602
• 10 Day Avg. Volume: 24,484
• 30 Day Avg. Volume: 23,824
• PEG Ratio: -0.61
• Price to Book (P/B): 0.79
• Price to Sales (P/S): 1.50
• P/FCF Ratio: 8.26
• Enterprise Value/Market Cap: 1.34
• Enterprise Value/Revenue: 1.96
• Enterprise Value/Gross Profit: 3.84
• Enterprise Value/Ebitda: 8.08
• 1Y Price Target: $23.50
• Price Target Upside: 14.52% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 68 Neutral
• Price Target: $22.50 ▲(9.65% Upside)

PCB Bancorp's strong valuation and solid financial performance are the primary drivers of its score. The low P/E ratio and attractive dividend yield suggest potential undervaluation, while effective cost management supports profitability. However, challenges in cash flow generation and mixed technical indicators slightly temper the overall outlook.

PCB Bancorp Business Overview & Revenue Model

Company 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.

How the Company Makes Money

PCB Bancorp generates revenue mainly through interest income from loans and financial services. Its primary revenue streams include interest earned from commercial and personal loans, which constitutes a substantial portion of its earnings. Additionally, the bank earns non-interest income from fees associated with deposit accounts, transaction services, and wealth management services. The company may also benefit from partnerships with local businesses for loan origination and service provision, as well as from its investment activities. Overall, PCB Bancorp's financial performance is driven by its ability to effectively manage its loan portfolio and attract deposits, along with a focus on customer service and community engagement.

PCB Bancorp Financial Statement Overview

Summary

PCB Bancorp shows strong financial health with robust revenue growth, profitability, and a stable balance sheet. The company has a low debt-to-equity ratio and solid equity base, indicating financial prudence. Cash flow management is effective, though potential fluctuations in cash flow relative to net earnings should be monitored.

Income Statement

PCB Bancorp demonstrated strong revenue growth and profitability. The TTM gross profit margin stands at 50.65%, and the net profit margin is 14.81%, indicating efficient cost management and profitability. Revenue growth continues with a 20.43% increase from 2023 to 2024, reflecting robust performance in a competitive sector.

Balance Sheet

The balance sheet is stable with a debt-to-equity ratio of 0.12, indicating low leverage and financial prudence. The equity ratio is 12.63%, showing a solid equity base relative to total assets. Return on equity is healthy at 7.10%, reflecting strong shareholder returns.

Cash Flow

Positive free cash flow and a growing operating cash flow signal financial health. The free cash flow to net income ratio indicates efficient cash generation relative to earnings. However, the operating cash flow to net income ratio of 1.15 suggests potential fluctuations in cash flow relative to net earnings, which could be an area for monitoring.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	200.06M	191.91M	161.86M	116.25M	99.91M	91.50M
Gross Profit	102.26M	96.31M	99.32M	100.53M	100.17M	64.71M
EBITDA	48.63M	40.30M	47.33M	53.13M	60.34M	26.45M
Net Income	31.65M	25.81M	30.70M	34.99M	40.10M	16.18M
Balance Sheet
Total Assets	3.31B	3.06B	2.79B	2.42B	2.15B	1.92B
Cash, Cash Equivalents and Short-Term Investments	418.19M	345.14M	385.67M	288.89M	326.48M	314.63M
Total Debt	64.65M	33.67M	59.14M	26.81M	17.44M	88.45M
Total Liabilities	2.93B	2.70B	2.44B	2.08B	1.89B	1.69B
Stockholders Equity	376.50M	363.81M	348.87M	335.44M	256.29M	233.79M
Cash Flow
Free Cash Flow	21.46M	34.91M	62.03M	51.81M	-2.05M	15.31M
Operating Cash Flow	23.35M	38.98M	63.34M	57.27M	-1.62M	17.09M
Investing Cash Flow	-350.03M	-311.74M	-275.27M	-356.67M	-175.22M	-132.82M
Financing Cash Flow	412.61M	229.20M	307.24M	243.14M	186.03M	163.60M

PCB Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 20.52
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PCB, the sentiment is Positive. The current price of 20.52 is above the 20-day moving average (MA) of 20.51, below the 50-day MA of 21.24, and above the 200-day MA of 19.89, indicating a neutral trend. The MACD of -0.25 indicates Negative momentum. The RSI at 47.59 is Neutral, neither overbought nor oversold. The STOCH value of 73.10 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PCB.

PCB Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CBAN	75 Outperform	$289.16M	10.49	9.90%	2.76%	7.07%	24.85%
FNLC	74 Outperform	$282.51M	9.19	11.76%	5.69%	12.08%	13.36%
FSBW	72 Outperform	$286.23M	8.96	10.83%	3.46%	4.56%	-12.45%
PCB	68 Neutral	$292.30M	9.54	8.63%	3.80%	11.93%	29.49%
WSBF	68 Neutral	$277.01M	13.07	6.12%	4.00%	1.46%	80.94%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PLBC	64 Neutral	$288.31M	9.72	12.34%	2.82%	11.98%	-10.12%

PCB Bancorp Corporate Events

PCB Bancorp Declares Quarterly Dividend Amid Growth

On July 23, 2025, PCB Bancorp‘s Board of Directors declared a quarterly cash dividend of $0.20 per common share, payable on August 15, 2025, to shareholders of record as of August 8, 2025. Additionally, the company extended its stock repurchase program by another year, allowing the repurchase of up to 720,000 shares, with 428,473 shares still authorized for repurchase. For the second quarter of 2025, PCB Bancorp reported a net income of $9.0 million, an increase from previous quarters, alongside growth in net interest income and total assets. The company continues to experience strong organic growth despite economic challenges, with a focus on relationship banking and disciplined expense management.

The most recent analyst rating on (PCB) stock is a Hold with a $23.00 price target. To see the full list of analyst forecasts on PCB Bancorp stock, see the PCB Stock Forecast page.