PCB Bancorp (PCB) AI Stock Analysis

Established in 2003 and headquartered in Los Angeles, California, PCB Bancorp is a bank holding company overseeing Pacific City Bank. It serves small to medium-sized businesses, individuals, and professionals across Southern California with 274 employees. The bank offers deposit products including demand deposits, savings accounts, money market accounts, time deposits, and certificates of deposit. Its lending services encompass commercial and residential mortgages, Small Business Administration (SBA) property loans, construction loans, commercial and industrial term loans, lines of credit, and consumer loans. It also provides digital banking tools, remote deposit capture, courier deposit services, positive pay, and sweep accounts.

Between FY2021 and FY2025, annual revenue expanded from $99.9M to $209.4M, marking an 18.0% 5-year compound annual growth rate. FY2025 revenue rose 9.1% year-over-year, while net income recovered to $37.5M from $25.8M in FY2024. Operating margin stood at 25.1% in FY2025, down from 57.0% in FY2021, while net margin reached 17.9%. For the trailing twelve months ending June 30, 2026, revenue stood at $118.4M with an operating margin of 49.2%, a profit margin of 35.3%, and earnings per share of $2.89. In the quarter ended June 30, 2026, revenue grew 8.3% year-over-year and quarterly earnings rose 17.7%.

As of June 30, 2026, PCB Bancorp held $30.9M in cash and short-term investments against total debt of $107.7M, yielding net debt of $76.8M. Total assets reached $3.47B against shareholders' equity of $400.5M, reflecting a debt-to-equity ratio of 0.27 and a current ratio of 4.15. During FY2025, operating cash flow was $26.6M and free cash flow was $24.4M. Capital expenditures absorbed $2.2M, while the bank returned capital through $11.8M in dividends paid and $7.2M in share buybacks, lowering its 5-year share count by 5.8%.

Trading at $27.93 as of October 16, 2026, PCB Bancorp holds a market capitalization of $392.3M. Its trailing price-to-earnings multiple of 9.7x sits below the 12.1x median of its US-listed Financial Services peers. The stock trades at a price-to-sales ratio of 3.3x, comparable to the peer median of 3.2x, and carries a price-to-book ratio of 1.2x. Over the trailing 1-year period, PCB shares gained 45.8%, outperforming the S&P 500 ETF's 16.8% return. Over 5 years, the stock returned 65.6% compared to 83.0% for the S&P 500 ETF.

PCB Bancorp pays a forward annual dividend of $0.88 per share, which translates to a dividend yield of 3.15%. The bank has paid dividends for 12 consecutive years, maintaining a 5-year annualized dividend growth rate of 14.9%. Its dividend payout ratio stands at 29.7%, and the most recent ex-dividend date occurred on August 7, 2026.

Consensus coverage consists of 3 Hold ratings, with 0 Buy and 0 Sell ratings. The average analyst price target is $30.50, representing an upside of 9.2% over the last close of $27.93. For the fiscal year ending December 31, 2026, consensus estimates project earnings per share of $2.97 on revenue of $125.0M, reflecting 15.0% earnings growth. The company beat earnings per share estimates in 3 of the last 4 quarters, with its next earnings report scheduled for October 22, 2026.

This page is an AI-written research summary of PCB Bancorp (PCB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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