PCB Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
PCB Bancorp has total assets of $2.9B and total equity of $362.3M. Total deposits are $2.5B, and total loans are $2.4B. It earns a Net Interest Margin of 3.6%. It has sufficient allowance for bad loans, which are currently at 0.3% of total loans. Cash and short-term investments are $193.1M.
Key information
8x
Asset to equity ratio
3.6%
Net interest margin
| Total deposits | US$2.46b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.3% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$193.06m |
Recent financial health updates
No updates
Recent updates
PCB Bancorp's (NASDAQ:PCB) Dividend Will Be $0.18
Oct 29
PCB Bancorp Just Beat Earnings Expectations: Here's What Analysts Think Will Happen Next
Oct 27PCB Bancorp (NASDAQ:PCB) Will Pay A Dividend Of $0.18
Jul 30PCB Bancorp (NASDAQ:PCB) Is Due To Pay A Dividend Of $0.18
May 01PCB Bancorp: 2.65% Dividend And Virtually No Non-Performing Assets
Mar 14PCB Bancorp (NASDAQ:PCB) Will Pay A Larger Dividend Than Last Year At US$0.15
Feb 01PCB Bancorp's (NASDAQ:PCB) Dividend Will Be Increased To US$0.12
Nov 02Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: PCB's Assets to Equity ratio (8x) is low.
Allowance for Bad Loans: PCB has a sufficient allowance for bad loans (437%).
Low Risk Liabilities: 97% of PCB's liabilities are made up of primarily low risk sources of funding.
Loan Level: PCB has an appropriate level of Loans to Assets ratio (84%).
Low Risk Deposits: PCB's Loans to Deposits ratio (99%) is appropriate.
Level of Bad Loans: PCB has an appropriate level of bad loans (0.3%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/23 10:43 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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 here.
Analysis Model and Snowflake
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Industry and Sector Metrics
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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.
| Analyst | Institution |
|---|---|
| Christopher McGratty | Keefe, Bruyette, & Woods |
| Kelly Motta | Keefe, Bruyette, & Woods |
| Matthew Clark | Piper Sandler Companies |