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Updated 1d ago
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PCB BancorpNasdaqGS:PCB Stock Report

Market Cap US$387.2m
Updated 1d ago
Share Price
n/a
1Y27.8%
7D-0.7%
1D0.5%
Portfolio Value
​
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PCB Bancorp

NasdaqGS:PCB Stock Report

Market Cap: US$387.2m

  • Company Overview
  • Valuation
  • Future Growth
  • Past Performance
  • Financial Health
  • Dividend
  • Management
  • Ownership
  • Other Information
  • Stock Community

PCB Bancorp (PCB) Stock Overview

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. More details

PCB fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance4/6
Financial Health6/6
Dividends4/6

Rewards

Trading at 4.6% below our estimate of its fair value

Earnings grew by 34.2% over the past year

Pays a reliable dividend of 3.16%

Risk Analysis

No risks detected for PCB from our risk checks.

PCB Community Fair Values

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US$
Current Price
US$27.8712.0% undervalued intrinsic discount
%/yr
Decrease
Increase
PastFuture0173m2016201920222025202620282031Revenue US$173.0mEarnings US$60.1m
Advanced
View all narratives

PCB Bancorp Competitors

First Bancorp

Symbol: NasdaqGS:FNLC
Market cap: US$394.8m

MVB Financial

Symbol: NasdaqCM:MVBF
Market cap: US$397.3m

Canandaigua National

Symbol: OTCPK:CNND
Market cap: US$400.1m

Parke Bancorp

Symbol: NasdaqCM:PKBK
Market cap: US$399.1m

Price History & Performance

Summary of share price highs, lows and changes for PCB Bancorp
Historical stock prices
Current Share PriceUS$27.87
52 Week HighUS$30.84
52 Week LowUS$19.70
Beta0.47
1 Month Change-0.75%
3 Month Change4.81%
1 Year Change27.79%
3 Year Change73.00%
5 Year Change38.79%
Change since IPO87.35%

Recent News & Updates

Seeking Alpha • 22h

The Current Valuation For PCB Bancorp Adds To Its Appeal

Summary PCB Bancorp receives a cautious Buy rating, supported by improved earnings, solid asset quality, and strong capital ratios. PCB trades at a depressed valuation with a forward P/E of 9.42 and a PEG ratio of 0.66, offering a 3.13% forward dividend yield. CRE loans comprise 69.4% of PCB's portfolio, with significant geographic concentration in Los Angeles, posing concentration risk. High funding costs and large time deposit maturities in late 2026 present ongoing margin and retention risks for PCB. Read the full article on Seeking Alpha

Recent updates

Seeking Alpha • 22h

The Current Valuation For PCB Bancorp Adds To Its Appeal

Summary PCB Bancorp receives a cautious Buy rating, supported by improved earnings, solid asset quality, and strong capital ratios. PCB trades at a depressed valuation with a forward P/E of 9.42 and a PEG ratio of 0.66, offering a 3.13% forward dividend yield. CRE loans comprise 69.4% of PCB's portfolio, with significant geographic concentration in Los Angeles, posing concentration risk. High funding costs and large time deposit maturities in late 2026 present ongoing margin and retention risks for PCB. Read the full article on Seeking Alpha
Analysis Article • Feb 03

PCB Bancorp's (NASDAQ:PCB) Upcoming Dividend Will Be Larger Than Last Year's

PCB Bancorp ( NASDAQ:PCB ) will increase its dividend from last year's comparable payment on the 20th of February to...
Seeking Alpha • Apr 29

PCB Bancorp: Why The Market Is Sleeping On This Fast-Growing Niche Bank

Summary PCB Bancorp has shown robust growth, with double-digit annualized increases in net interest income, gross loans, earning assets, and deposits over the past decade. Despite its strong performance, PCB Bancorp trades at a discount to tangible book value and has a relatively low P/E ratio. Investors are seemingly worried about exposure to recent wildfires along with uncertainty from tariffs. I see shares being worth at least tangible book value, if not a small premium to that, making the stock a buy today. Read the full article on Seeking Alpha
Analysis Article • Apr 27

Earnings Beat: PCB Bancorp Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Models

It's been a good week for PCB Bancorp ( NASDAQ:PCB ) shareholders, because the company has just released its latest...
Seeking Alpha • Jan 26

PCB Bancorp: Short-Term Risks Are High Because Of Wildfires, A Good Investment For The Longer Term

Summary PCB Bancorp’s provisioning for loan losses will likely spike in 1Q due to the wildfires. Further margin expansion is on the cards as deposit re-pricing will likely outpace loan re-pricing in a falling interest rate environment. Loan growth is likely to be at the lower end of the historical range because of weaknesses visible in Los Angeles’ economy. As of the writing of this report, PCB was offering a dividend yield of 3.8% and an expected price upside of 8.6%. Read the full article on Seeking Alpha
Analysis Article • Oct 29

PCB Bancorp's (NASDAQ:PCB) Dividend Will Be $0.18

PCB Bancorp's ( NASDAQ:PCB ) investors are due to receive a payment of $0.18 per share on 15th of November. This means...
Analysis Article • Oct 27

PCB Bancorp Just Beat Earnings Expectations: Here's What Analysts Think Will Happen Next

The quarterly results for PCB Bancorp ( NASDAQ:PCB ) were released last week, making it a good time to revisit its...
Analysis Article • Jul 30

PCB Bancorp (NASDAQ:PCB) Will Pay A Dividend Of $0.18

PCB Bancorp ( NASDAQ:PCB ) will pay a dividend of $0.18 on the 16th of August. This payment means that the dividend...
Analysis Article • May 01

PCB Bancorp (NASDAQ:PCB) Is Due To Pay A Dividend Of $0.18

The board of PCB Bancorp ( NASDAQ:PCB ) has announced that it will pay a dividend of $0.18 per share on the 17th of...

Shareholder Returns

PCBUS BanksUS Market
7D-0.7%-0.3%-0.2%
1Y27.8%18.7%14.8%

Return vs Industry: PCB exceeded the US Banks industry which returned 18.7% over the past year.

Return vs Market: PCB exceeded the US Market which returned 14.8% over the past year.

Price Volatility

Is PCB's price volatile compared to industry and market?
PCB volatility
PCB Average Weekly Movement3.1%
Banks Industry Average Movement3.1%
Market Average Movement6.9%
10% most volatile stocks in US Market15.5%
10% least volatile stocks in US Market2.9%

Stable Share Price: PCB has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: PCB's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
2003274Henry Kimwww.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.

PCB Bancorp Fundamentals Summary

How do PCB Bancorp's earnings and revenue compare to its market cap?
PCB fundamental statistics
Market capUS$387.22m
Earnings (TTM)US$41.17m
Revenue (TTM)US$118.41m
9.4x
P/E Ratio
1.2x
P/B Ratio

Is PCB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PCB income statement (TTM)
RevenueUS$118.41m
Cost of RevenueUS$0
Gross ProfitUS$118.41m
Other ExpensesUS$77.24m
EarningsUS$41.17m

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

n/a

Earnings per share (EPS)2.95
Gross Margin100.00%
Net Profit Margin34.77%
Debt/Equity Ratio22.5%

How did PCB perform over the long term?

See historical performance and comparison

Dividends

3.2%
Current Dividend Yield
29%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/09/10 01:29
End of Day Share Price 2026/09/10 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
  • SEC Form 10-K
  • SEC Form 10-Q
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
  • Analyst Research Reports
  • Blue Matrix
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
  • ICE Market Data
  • SEC Form S-1
Ownership10 years
  • Top shareholders
  • Insider trading
  • SEC Form 4
  • SEC Form 13D
Management10 years
  • Leadership team
  • Board of directors
  • SEC Form 10-K
  • SEC Form DEF 14A
Key Developments10 years
  • Company announcements
  • SEC Form 8-K

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

PCB Bancorp is covered by 4 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Kelly MottaKeefe, Bruyette, & Woods
Matthew ClarkPiper Sandler Companies
Michael RoseRaymond James & Associates

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