PCB Bancorp (PCB) Stock Price, News & Analysis

Company Overview

PCB Bancorp is the bank holding company for Pacific City Bank, a California-chartered bank founded in 1999 and headquartered in Torrance, California. As the parent of an FDIC-insured institution, PCB Bancorp oversees a community-focused banking franchise that serves both retail customers and commercial enterprises. The company’s strategy emphasizes personalized service and deep market knowledge to meet the evolving needs of individuals, families and businesses in Southern California.

Through its subsidiary Pacific City Bank, PCB Bancorp offers a broad range of financial products and services, including deposit accounts, commercial real estate and construction lending, residential mortgages, trade finance, treasury management and wealth advisory solutions. The bank’s expertise in cross-border transactions and foreign exchange enables it to support small to mid-sized businesses engaged in international trade, with tailored financing packages designed to facilitate U.S.-China commerce.

Pacific City Bank operates a network of branches throughout key metropolitan areas in Southern California and maintains representative offices in Asia to enhance its global banking capabilities. PCB Bancorp is led by a team of seasoned banking professionals committed to disciplined risk management, strong customer relationships and sustainable growth. By combining community banking values with international market insight, PCB Bancorp strives to deliver value to clients and shareholders alike.

Key Stats

• Today's Range: $20.35 to $20.74
• 50-Day Range: $19.84 to $22.39
• 52-Week Range: $16.00 to $22.45
• Volume: 25,350 shs
• Average Volume: 26,238 shs
• Market Capitalization: $295.18 million
• P/E Ratio: 9.66
• Dividend Yield: 3.89%
• Price Target: $22.25
• Consensus Rating: Hold

PCB Bancorp Stock Analysis - MarketRank™

PCB Bancorp scored higher than 94% of companies evaluated by MarketBeat, and ranked 139th out of 945 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: 2.2 / 5
• Analyst Rating: Hold

Consensus Rating

PCB Bancorp has received a consensus rating of Hold. The company's average rating score is 2.33, and is based on 1 buy rating, 2 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for PCB Bancorp is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

PCB Bancorp has only been the subject of 2 research reports 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 9.66, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 233.24.

Price to Earnings Ratio vs. Sector

The P/E ratio of PCB Bancorp is 9.66, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 30.00.

Price to Book Value per Share Ratio

PCB Bancorp has a P/B Ratio of 1.00. 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

0.58% 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 2.5, 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 8.59%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Leadership

PCB Bancorp is a leading dividend payer. It pays a dividend yield of 3.88%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

PCB Bancorp has been increasing its dividend for 7 years.

Dividend Coverage

The dividend payout ratio of PCB Bancorp is 37.56%. 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

0.58% 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 2.5, 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 8.59%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.1 / 5
• News Sentiment: 0.70

News Sentiment

PCB Bancorp has a news sentiment score of 0.70. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 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 $591,690.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

25.86% 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 at the start of the year. Since then, PCB stock has increased by 1.6% and is now trading at $20.57.

How were PCB Bancorp's earnings last quarter?

PCB Bancorp (NASDAQ:PCB) announced its quarterly earnings results on Wednesday, May, 24th. The company reported $0.85 EPS for the quarter. The company had revenue of $24.15 million for the quarter. PCB Bancorp had a net margin of 15.82% and a trailing twelve-month return on equity of 10.58%.

When did PCB Bancorp IPO?

PCB Bancorp (PCB) raised $50 million in an initial public offering (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 served as the underwriters for the IPO.

Who are PCB Bancorp's major shareholders?

Top institutional shareholders of PCB Bancorp include CWM LLC (0.03%). Insiders that own company stock include Sang Young Lee, Don Rhee, Daniel Cho, Sarah Jun, Mimi Lee, Haeyoung Cho, Henry Kim, Janice Chung, David W Kim and Justin Chon.
View institutional ownership trends.

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: 5/24/2023
• Record date for 8/15 Dividend: 8/08/2025
• Ex-Dividend for 8/15 Dividend: 8/08/2025
• Dividend Payable: 8/15/2025
• Today: 10/15/2025
• Next Earnings (Estimated): 10/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHWEST
• 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: 2003

Price Target and Rating

• Average Price Target for PCB Bancorp: $22.25
• High Price Target: $23.50
• Low Price Target: $21.00
• Potential Upside/Downside: +8.2%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.13
• Trailing P/E Ratio: 9.66
• Forward P/E Ratio: 10.08
• P/E Growth: N/A
• Net Income: $25.81 million
• Net Margins: 15.82%
• Pretax Margin: 22.22%
• Return on Equity: 10.58%
• Return on Assets: 1.02%

Debt

• Debt-to-Equity Ratio: 0.15
• Current Ratio: 1.06
• Quick Ratio: 1.06

Sales & Book Value

• Annual Sales: $191.91 million
• Price / Sales: 1.54
• Cash Flow: $2.09 per share
• Price / Cash Flow: 9.82
• Book Value: $20.66 per share
• Price / Book: 1.00

Miscellaneous

• Outstanding Shares: 14,350,000
• Free Float: 10,639,000
• Market Cap: $295.18 million
• Optionable: Optionable
• Beta: 0.58