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6Material company update
May 27, 2026·SEC
Material company update
Apr 23, 2026·SEC
Material company update
Jan 29, 2026·SEC
PCB Bancorp(PCB)Earnings, Financials & Key Ratios
PCB•NASDAQ•Banking & Credit
$28.07
10.9× P/E·Price updated Jun 27, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutPCB Bancorp operates as the bank holding company for Pacific City Bank that provides various banking products and services to small to medium-sized businesses, individuals, and professionals in Southern California. The company offers demand, savings, money market, and time deposits, as well as certificates of deposit; and remote deposit capture, courier deposit services, positive pay services, zero balance accounts, and sweep accounts. It also provides real estate loans, including commercial and residential, Small Business Administration (SBA) property, and construction loans; commercial and industrial loans, such as commercial term and lines of credit, SBA commercial term, and SBA Paycheck Protection Program loans; and other consumer loans comprising automobile secured loans and personal loans. In addition, the company offers access to account balances, online transfers, and online bill payment and electronic delivery of customer statements; and mobile banking solutions that include remote check deposit and mobile bill pay. Further, it provides automated teller machines; 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. The company operates through a network of 11 full-service branches in Los Angeles and Orange counties, California; and one full-service branch in each of Englewood Cliffs, New Jersey, and Bayside, New York. It also operates 10 loan production offices in Irvine, Artesia, and Los Angeles, California; Annandale, Virginia; Atlanta, Georgia; Chicago, Illinois; Bellevue, Washington; Aurora, Colorado; Carrollton, Texas; and New York, New York. 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.Show more
- Net Interest Income$104M+17.2%
- Total Revenue$209M+9.1%
- Net Income$37M+45.1%
- Return on Equity9.94%+37.2%
- Net Interest Margin3.17%+9.4%
- Efficiency Ratio28.27%-9.6%
- ROA1.18%+33.8%
- Equity / Assets11.88%
- Book Value per Share27.31+7.7%
PCB Price & Volume
PCB Bancorp (PCB) stock price & volume — 10-year historical chart
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Operational Efficiency Gains Drive Scalable Growth Trajectory
Investment Thesis • Updated 2026Q1
VerdictPositive: The stock appears attractively valued at a 9.66 forward P/E and a 0.55 PEG ratio
Growth:Accelerating
Profitability:Strong
Financial Position:Healthy
Cash Flow:Robust
Primary Risk:CRE and SBA concentration
"PCB Bancorp demonstrates a compelling growth narrative driven by successful loan portfolio expansion and significant operational leverage, as evidenced by an efficiency ratio improvement from 35.2% in 2024Q1 to 28.4% in 2026Q1. While the bank's reliance on SBA gain-on-sale revenue and a concentrated commercial real estate portfolio introduces inherent volatility, the consistent generation of $10.7 million in quarterly net income provides a robust capital buffer. Investors should monitor the duration risk within the $3.0 billion investment securities portfolio and the sensitivity of credit provisions to macroeconomic shifts."
Verdict Logic
suggesting that the market may be underappreciating the bank's ability to scale earnings while maintaining a 12% equity-to-assets ratio.
PCB Growth Metrics
PCB Bancorp (PCB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years14.09%
5 Years18%
3 Years21.67%
TTM-
Profit CAGR
10 Years11.88%
5 Years18.28%
3 Years2.3%
TTM39.89%
EPS CAGR
10 Years9.72%
5 Years19.93%
3 Years3.6%
TTM43.3%
Return on Capital
10 Years13.89%
5 Years11.74%
3 Years8.02%
Last Year4.22%
PCB Recent Earnings
PCB Bancorp (PCB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (78%)●Beat Revenue 3/12 qtrs (33%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$0.74+10.4%
$0.67
Rev
$30M+0.6%
$30M
Q2 2026
Mar 14, 2026Metric
Actual
Est
EPS
$0.65
—
Rev
$52M
—
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$0.64+4.9%
$0.61
Rev
$29M-0.5%
$29M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$0.78+27.9%
$0.61
Rev
$30M+3.4%
$29M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.74vs $0.67+10.4% | $30Mvs $30M+0.6% |
| Q2 2026 | Mar 14, 2026 | $0.65 | $52M |
| Q1 2026 | Jan 29, 2026 | $0.64vs $0.61+4.9% | $29Mvs $29M-0.5% |
| Q4 2025 | Oct 23, 2025 | $0.78vs $0.61+27.9% | $30Mvs $29M+3.4% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for PCB Bancorp (PCB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $28.07 | $399.57M | 10.88 | 9.1% | 17.89% | 9.94% | 2.86% | |
| $32.67 | $972.47M | 13.02 | 3.55% | 18.42% | 10.31% | — | |
| $13.59 | $1.74B | 29.54 | -3.23% | 6.82% | 2.96% | — | |
| $27.05 | $458.12M | 14.78 | 2.59% | 16.76% | 7.85% | — | |
| $20.83 | $669.99M | 10.79 | 28.44% | 25.68% | 10.59% | — | |
| $72.36 | $1.31B | 13.33 | 8.86% | 24.85% | 12.27% | — |
Compare PCB vs Peers
PCB Bancorp (PCB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PCB SEC Filings & Documents
PCB Bancorp (PCB) SEC filings — annual & quarterly reports (10-K, 10-Q)
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PCB Frequently Asked Questions
PCB Bancorp (PCB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is PCB Bancorp growing?
PCB Bancorp (PCB) grew revenue by 9.1% over the past year. This is steady growth.
Is PCB profitable?
Yes, PCB Bancorp (PCB) is profitable, generating $40.4M in net income for fiscal year 2025 (17.9% net margin).
Dividend & Returns
Does PCB pay dividends?
Yes, PCB Bancorp (PCB) pays a dividend with a yield of 2.86%. This makes it attractive for income-focused investors.
What is PCB's return on equity?
PCB Bancorp (PCB) has a return on equity (ROE) of 9.9%. This is below average, suggesting room for improvement.
Industry Metrics
What is PCB Bancorp's net interest margin?
PCB Bancorp (PCB) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
What is PCB Bancorp's efficiency ratio?
PCB Bancorp (PCB) has an efficiency ratio of 28.3%. This is excellent, indicating strong cost control.