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PCB stock logo

PCB

PCB Bancorp

$25.97
0.6
 (2.37%)
Exchange:  NASDAQ
Market Cap:  369.675M
Shares Outstanding:  1.586M
Delayed data
Calculate PCB Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Henry Kim
Full Time Employees:  257
Address: 
3701 Wilshire Boulevard
Los Angeles
CA
90010-2871
US
Website:  https://www.paccity.net
PCB Bancorp serves as the holding company for Pacific City Bank, which delivers a comprehensive array of banking solutions to individuals, professionals, and small to mid-sized businesses across Southern California and other key markets. The bank offers diverse deposit products, including checking, savings, money market, and time accounts, as well as certificates of deposit. Specialized business services encompass remote deposit capture, courier deposit options, positive pay, zero balance accounts, and sweep accounts. Its lending portfolio is extensive, featuring real estate loans such as commercial, residential, SBA-backed property, and construction financing. The company also provides commercial and industrial loans, including term loans, lines of credit, SBA commercial term loans, and past SBA Paycheck Protection Program loans. Additionally, consumer lending options are available for automobile-secured and personal loans. Customers benefit from modern digital and accessible services, including online banking for account management, transfers, bill payment, and electronic statements, alongside mobile banking with remote check deposit and mobile bill pay. Further convenience is offered through automated teller machines, telephone banking, banking by mail, personal appointments, debit cards, direct deposit, and cashier’s checks. The bank also provides treasury management, wire transfer, and automated clearing house services. PCB Bancorp operates 11 full-service branches across Los Angeles and Orange counties in California, complemented by individual full-service locations in Englewood Cliffs, New Jersey, and Bayside, New York. Beyond its branch network, it maintains 10 loan production offices strategically located in Irvine, Artesia, and Los Angeles, California; Annandale, Virginia; Atlanta, Georgia; Chicago, Illinois; Bellevue, Washington; Aurora, Colorado; Carrollton, Texas; and New York, New York. Established in 2003, the company was previously known as Pacific City Financial Corporation before rebranding as PCB Bancorp in July 2019. Its corporate headquarters are located in Los Angeles, California.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue161,860191,910209,371.999
Gross Profit99,31996,309111,686
EBITDA47,32940,30252,488
Operating Income43,26236,28652,488
Net Income30,70525,81037,453

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets2,789,5063,063,9713,281,771
Total Liabilities2,440,6342,700,1572,891,745
Total Stockholders Equity348,872363,814390,026
Total Debt59,13733,67171,992
Cash and Cash Equivalents242,342198,79225,319

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Cash Flow Statement

Year202320242025
Operating Cash Flow63,34338,98526,589
Capital Expenditure-1,315-4,075-2,193
Free Cash Flow62,02834,91025,659
Net Income30,70525,81037,453
Net Change in Cash95,311-43,5508,350

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)134,808.752Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)137,791.247Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)136,300Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)48,913.395Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)49,995.550Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)49,454.472Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)43,330.594Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)44,584.587Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)43,500Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)34,057.275Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)34,810.755Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)34,434.015Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)3.080Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)3.120Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)3.030Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)2Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
191.91M  ?P/S
 (TTM)
: 
1.69
?Net Income
 (TTM)
: 
25.763M  ?P/E
 (TTM)
: 
8.83
?Enterprise Value
 (TTM)
: 
402.228M  ?EV/FCF
 (TTM)
: 
9.81
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.3
?ROE
 (TTM)
: 
0.1  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
6.571M  ?Debt/Equity
 (TTM)
: 
0.17
?P/B
 (TTM)
: 
0.9  ?Current Ratio
 (TTM)
: 
0.68

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
8.92Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates PCB intrinsic value between $32.65 – $35.82 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about PCB valuation

Is PCB Bancorp (PCB) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for PCB Bancorp (PCB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is PCB a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether PCB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is PCB’s P/E ratio?

You can see PCB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for PCB?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is PCB a good long-term investment?

Whether PCB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

PCB

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

2.37
MARKETSnap

Trading Metrics:

Open: 26.12   Previous Close: 25.37
Day Low: 25.63   Day High: 26.27
Year Low: 19.44   Year High: 26.27
Price Avg 50: 24.08   Price Avg 200: 22.43
Volume: 27403   Average Volume: 25423

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See in Nexus

Relevant news

Why PCB Bancorp (PCB) is a Great Dividend Stock Right Now
16-02-2026 12:45
Why PCB Bancorp (PCB) is a Great Dividend Stock Right Now
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14-05-2026 12:45
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PCB Bancorp (PCB) is a Top Dividend Stock Right Now: Should You Buy?
28-04-2026 12:47
PCB Bancorp (PCB) is a Top Dividend Stock Right Now: Should You Buy?
PCB Bancorp (PCB) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates
23-04-2026 20:31
PCB Bancorp (PCB) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates
MKS Inc.: Long-Term Structural Growth From Rising Semi And PCB Complexity
24-03-2026 12:50
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PCB Bancorp (PCB) Could Be a Great Choice
20-03-2026 12:46
PCB Bancorp (PCB) Could Be a Great Choice

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