PCB Bancorp (PCB) Stock Price, News & Analysis

Company Overview

PCB Bancorp operates as the bank holding company for PCB 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 trade finance, 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 consumer loans comprising residential mortgage; and automobile loans, unsecured lines of credit, and term 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 full-service branches in Los Angeles and Orange counties, California; Carrollton and Dallas, Texas; and Englewood Cliffs and Palisade Park, New Jersey, and Bayside, New York. It also operates loan production offices in Los Angeles and Orange Counties, California; Annandale, Virginia; Atlanta, Georgia; Bellevue, Washington; Aurora, Colorado; and Carrollton, Texas. 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.

Key Stats

• Today's Range: $17.16 to $18.23
• 50-Day Range: $17.54 to $20.70
• 52-Week Range: $14.50 to $22.20
• Volume: 34,471 shs
• Average Volume: 26,236 shs
• Market Capitalization: $252.24 million
• P/E Ratio: 10.08
• Dividend Yield: 4.56%
• Price Target: $22.00
• Consensus Rating: Hold

PCB Bancorp Stock Analysis - MarketRank™

PCB Bancorp scored higher than 98% of companies evaluated by MarketBeat, and ranked 65th out of 934 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.0 / 5
• Analyst Rating: Hold

Consensus Rating

PCB Bancorp has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

PCB Bancorp has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 13.24%

Earnings Growth

Earnings for PCB Bancorp are expected to grow by 13.24% in the coming year, from $2.04 to $2.31 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of PCB Bancorp is 10.08, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 21.55.

Price to Earnings Ratio vs. Sector

The P/E ratio of PCB Bancorp is 10.08, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.98.

Price to Book Value per Share Ratio

PCB Bancorp has a P/B Ratio of 0.89. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.34% of the float of PCB Bancorp has been sold short.

Short Interest Ratio / Days to Cover

PCB Bancorp has a short interest ratio ("days to cover") of 1.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in PCB Bancorp has recently increased by 22.12%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

PCB Bancorp is a leading dividend payer. It pays a dividend yield of 4.32%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

PCB Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of PCB Bancorp is 45.98%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, PCB Bancorp will have a dividend payout ratio of 34.63% next year. This indicates that PCB Bancorp will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.1 / 5
• Environmental Score: -0.60

Percentage of Shares Shorted

0.34% of the float of PCB Bancorp has been sold short.

Short Interest Ratio / Days to Cover

PCB Bancorp has a short interest ratio ("days to cover") of 1.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in PCB Bancorp has recently increased by 22.12%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.3 / 5
• News Sentiment: 1.95

News Sentiment

PCB Bancorp has a news sentiment score of 1.95. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.97 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for PCB Bancorp this week, compared to 1 article on an average week.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, PCB Bancorp insiders have bought more of their company's stock than they have sold. Specifically, they have bought $89,089.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

25.01% of the stock of PCB Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 33.04% of the stock of PCB Bancorp is held by institutions.

PCB Stock Analysis - Frequently Asked Questions

How have PCB shares performed this year?

PCB Bancorp's stock was trading at $20.24 on January 1st, 2025. Since then, PCB stock has decreased by 13.3% and is now trading at $17.54.
View the best growth stocks for 2025 here.

How were PCB Bancorp's earnings last quarter?

PCB Bancorp (NASDAQ:PCB) issued its quarterly earnings results on Thursday, January, 30th. The company reported $0.46 EPS for the quarter, meeting analysts' consensus estimates of $0.46. PCB Bancorp had a trailing twelve-month return on equity of 9.02% and a net margin of 13.45%.

When did PCB Bancorp IPO?

PCB Bancorp (PCB) raised $50 million in an IPO on Friday, August 10th 2018. The company issued 2,400,000 shares at a price of $20.00-$22.00 per share. Keefe, Bruyette & Woods (A Stifel Company) and RAYMOND JAMES, Sandler O’Neill + Partners acted as the underwriters for the IPO.

How do I buy shares of PCB Bancorp?

Shares of PCB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of PCB Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that PCB Bancorp investors own include NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), Netflix (NFLX), Broadcom (AVGO), Palo Alto Networks (PANW) and Tesla (TSLA).

Company Calendar

• Last Earnings: 1/30/2025
• Record date for 2/21 Dividend: 2/14/2025
• Ex-Dividend for 2/21 Dividend: 2/14/2025
• Dividend Payable: 2/21/2025
• Today: 4/04/2025
• Next Earnings (Estimated): 4/24/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:PCB
• CIK: 1423869
• Web: www.paccity.net
• Phone: (213) 210-2000
• Fax: 213-210-2032
• Employees: 250
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $22.00
• High Stock Price Target: $23.00
• Low Stock Price Target: $21.00
• Potential Upside/Downside: +25.4%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $1.74
• Trailing P/E Ratio: 10.08
• Forward P/E Ratio: 8.60
• P/E Growth: N/A
• Net Income: $25.81 million
• Net Margins: 13.45%
• Pretax Margin: 18.41%
• Return on Equity: 9.02%
• Return on Assets: 0.90%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 1.06
• Quick Ratio: 1.05

Sales & Book Value

• Annual Sales: $99.71 million
• Price / Sales: 2.53
• Cash Flow: $2.19 per share
• Price / Cash Flow: 8.02
• Book Value: $19.62 per share
• Price / Book: 0.89

Miscellaneous

• Outstanding Shares: 14,381,000
• Free Float: 10,699,000
• Market Cap: $252.24 million
• Optionable: Optionable
• Beta: 0.65