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PCB Bancorp PCB R2K

Financial Services · Banks - Regional · United States
https://www.mypcbbank.com

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.

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$24.57
+31.90% 1Y

Market & Price

Market Cap
$349.75M
Current Price
$24.57
High / Low (52W)
$24.85 / $18.45
Beta
0.52

Valuation

Stock P/E
8.81
Industry PE
12.01
Forward P/E
7.97
PEG Ratio
-
Book Value
$23.16
Price to Book
1.06
P/S
3.01
EV/EBITDA
-
Dividend Yield
3.42%

Profitability & Returns

ROCE
-
ROE
10.52%
ROA
1.23%
Profit Margin
34.76%
Op Margin
50.15%
EPS (Latest Qtr)
$0.74
EPS (TTM)
$2.79

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$68.30M
Total Assets
$3.28B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
26.01%
Chg in Prom Hold
-
FII / Inst Holding
41.71%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$217.67M
Total Revenue (TTM)
$116.14M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$44.92M
Shares Outstanding
14.23M
Gross Margin
0.00%
Payout Ratio
29.39%

Growth (CAGR)

Revenue 5Y
3.58%
Profit 5Y
2.30%
Revenue (YoY)
17.60%
Earnings (YoY)
39.60%

PROS

  • Excellent profit margin of 34.8%.
  • Attractive dividend yield of 3.42%.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 PCB PCB Bancorp R2K 24.57 8.81 $349.75M 3.42% - 10.52% 3.58% 2.30%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -536.00K555.00K-565.00K597.00K613.00K-588.00K620.00K667.00K-639.00K490.00K531.00K-614.00K567.00K587.00K591.00K628.00K787.00K609.00K663.00K690.00K671.00K605.00K770.00K26.77M29.29M30.25M29.54M30.10M
Cost of Revenue ---------------------------------
Gross Profit ---------------------------------
Operating Expenses ---------------------------------
Operating Income ---------------------------------
EBITDA ---------------------------------
Interest Expense ----------------------------22.61M23.32M24.49M23.24M22.02M
Pretax Income ----------------------------10.79M12.67M15.90M13.12M14.90M
Tax Provision ----------------------------3.06M3.60M4.49M3.89M4.25M
Net Income 4.40M4.86M4.81M2.34M6.26M4.76M6.54M6.73M6.56M6.60M6.79M4.16M3.57M3.37M3.45M5.79M8.56M9.84M11.02M10.24M9.09M6.95M10.30M7.48M7.02M4.68M6.28M7.81M7.74M9.07M11.41M9.23M10.65M
Diluted EPS 0.330.360.350.170.460.350.440.410.400.400.420.260.230.220.220.380.550.640.730.670.600.460.700.520.490.330.430.520.530.620.780.640.74

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 2.22M2.20M2.44M2.55M2.23M-104.13M99.19M99.71M115.71M
Cost of Revenue ----------
Gross Profit ----------
Operating Expenses ----------
Operating Income ----------
EBITDA ----------
Interest Expense ------12.12M62.67M92.20M93.66M
Pretax Income ------49.40M43.26M36.29M52.49M
Tax Provision ------14.42M12.56M10.48M15.04M
Net Income 14.00M16.40M24.30M24.11M16.18M-34.99M30.70M25.81M37.45M
Diluted EPS 1.111.211.651.491.04-2.312.121.742.58

Compounded Sales Growth

5 Years:3.58%
1 Year:17.60%

Compounded Profit Growth

5 Years:2.30%
1 Year:39.60%

Stock Price Performance

1 Year:+31.90%
6 Months:+13.15%
3 Months:+10.86%
1 Month:+2.77%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --1.44B1.70B1.75B1.92B-2.42B2.79B3.06B3.28B
Current Assets -----------
Cash & Equivalents 76.95M69.95M73.66M162.27M146.23M194.10M-147.03M242.34M198.79M207.14M
Inventory -----------
Receivables -------7.47M9.47M10.47M10.67M
Total Liabilities --1.30B1.49B1.52B1.69B-2.08B2.44B2.70B2.89B
Current Liabilities -----------
Long Term Debt ------10.00M20.00M39.00M-34.00M
Total Debt -------26.81M59.14M33.67M53.00M
Total Equity 98.04M127.01M142.18M210.30M226.83M233.79M-335.44M348.87M363.81M390.03M
Shares Outstanding -------14.63M14.26M14.38M14.23M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 40.20M21.21M30.68M30.12M17.09M-57.27M63.34M38.98M26.59M
Investing Cash Flow -213.95M-215.51M-168.12M-61.90M-132.82M--356.67M-275.27M-311.74M-200.14M
Financing Cash Flow 166.76M198.00M226.05M15.74M163.59M-243.14M307.24M229.20M181.90M
Capital Expenditure -1.98M-1.28M-1.14M-710.00K-1.78M--5.45M-1.31M-4.08M-2.19M
Free Cash Flow 38.22M19.93M29.54M29.41M15.31M-51.81M62.03M34.91M24.40M
Net Change in Cash -------56.25M95.31M-43.55M8.35M
Share Buybacks -006.48M6.49M10.88M6.73M8.83M222.00K7.10M

Ratios (Annual)

Figures in %.

Metric Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ----------
Operating Margin % ----------
Net Margin % 630.4%745.9%996.4%945.0%725.0%-33.6%31.0%25.9%32.4%
ROE % 11.0%11.5%11.6%10.6%6.9%-10.4%8.8%7.1%9.6%
ROCE % ----------

Shareholding Pattern

Insiders
26.01%
Institutions
41.71%
Public Float
56.37%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 5.56% 790.86K $19.43M
2 Dimensional Fund Advisors LP 4.29% 610.54K $15.00M
3 Vanguard Capital Management LLC 3.84% 546.41K $13.43M
4 Rhino Investment Partners, Inc. 2.99% 425.98K $10.47M
5 LSV Asset Management 2.88% 409.48K $10.06M
6 Acadian Asset Management. LLC 2.00% 284.17K $6.98M
7 Geode Capital Management, LLC 1.81% 258.33K $6.35M
8 State Street Corporation 1.48% 210.69K $5.18M
9 Bridgeway Capital Management, LLC 1.10% 156.93K $3.86M
10 Maltese Capital Management, LLC 1.05% 150.00K $3.69M

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