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Home CompaniesPCB Bancorp

PCB Bancorp

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
30.17 USD -0.78 ( 2.52%)
Last update at 2026-11-05T21:00:00Z
VOLUME
62707
Market Cap
396.06M
P/E
9.69

Momentum Score

…

PCB Bancorp operates as the bank holding company for PCB Bank that provides various banking products and services to small and middle market businesses and individuals in the United States. The company offers demand, savings, money market, time deposits, and certificates of deposit; and remote deposit capture, courier deposit and positive pay services, zero balance accounts, and sweep accounts. It also provides real estate loans, including commercial and residential, small business administration (SBA), multifamily, business property, and construction loans; commercial and industrial loans, such as commercial term and lines of credit, and SBA commercial term, trade finance, home, and mortgage warehouse; consumer loans comprising residential mortgage and other consumer loans; and automobile loans, unsecured lines of credit, and term loans. In addition, the company offers access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; and mobile banking solutions, including remote check deposit and mobile bill pay. Further, it provides automated teller machines; cash management, debit and credit card, and online and mobile banking; 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. It operates through full-service branches and loan production offices. 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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
30.09
Low
32.00
High
52 Week Price Range
19.01
Low
30.59
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
30.95
Dividend Yield
3.00%
Revenue TTM
118.41M
Revenue Per Share
8.37
Gross Profit TTM
118.41M
Debt / Equity
0.18
ROE
10.76%
Net Debt
46.67M
ROCE
2.55%
Diluted EPS TTM
2.91

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 52.49M 36.29M 43.26M 49.40M 56.96M
Net income 37.45M 25.81M 30.70M 34.99M 40.10M
Selling general administrative 37.45M 36.57M 35.33M 33.76M 30.68M
Selling and marketing expenses 2.12M 1.89M 2.33M 2.15M 1.66M
Gross profit 111.69M 96.31M 99.32M 104.13M 95.57M
Reconciled depreciation 4.29M 4.02M 4.12M 3.73M 3.38M
Ebit 52.49M 36.29M 43.26M 61.52M 56.96M
Ebitda 56.78M 40.30M 47.33M 65.25M 60.34M
Depreciation and amortization 4.29M 4.02M 4.07M 3.73M 3.38M
Operating income 52.49M 36.29M 43.26M 61.52M 56.96M
Other operating expenses 156.88M 155.62M 118.60M 4.39M -38.61M
Interest expense 93.66M 92.20M 62.67M 12.12M 4.33M
Tax provision 15.04M 10.48M 13.89M 14.42M 16.86M
Interest income 197.54M 180.82M 141.80M 101.75M 81.47M
Net interest income 103.88M 88.62M 90.84M 89.63M 77.14M
Income tax expense 15.04M 10.48M 12.56M 14.42M 16.86M
Total revenue 209.37M 191.91M 161.86M 104.13M 95.57M
Total operating expenses 59.20M 60.02M 56.06M 4.39M -38.61M
Cost of revenue 97.69M 95.60M 62.54M - -
Total other income expense net - 168.79M 43.26M -12.12M -4.33M
Net income from continuing ops 37.45M 25.81M 33.50M 34.99M 40.10M
Net income applicable to common shares - - - 34.83M 40.10M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 3281.77M 3063.97M 2809.07M 2420.04M 2149.74M
Intangible assets 5.63M 5.84M 6.67M - -
Other current assets - - 254.37M 30.28M 42.39M
Total liab 2891.74M 2700.16M 2460.20M 2084.59M 1893.45M
Total stockholder equity 390.03M 363.81M 348.87M 335.44M 256.29M
Other current liab 1225.64M 2615.79M 2357.35M -11.80M -8.87M
Common stock 139.26M 143.19M 142.56M 149.63M 154.99M
Capital stock 208.40M 212.34M 211.70M 218.77M 154.99M
Retained earnings 186.49M 160.80M 146.09M 127.18M 101.14M
Other liab - - - 8.64M 8.10M
Other assets 3051.21M 2821.93M - 1968.53M 1684.80M
Cash 25.32M 198.79M 242.34M 147.03M 203.28M
Total current liabilities 1225.64M 2630.79M 2399.74M 11.80M 8.87M
Current deferred revenue - - -29.01M - -
Net debt 46.67M -165.12M -183.21M -120.22M -185.84M
Short term debt 19.00M 15.00M 42.38M - -
Short long term debt 0.00M 15.00M - - -
Short long term debt total 71.99M 33.67M 59.14M 26.81M 17.44M
Other stockholder equity - 69.14M - -10.51M 0.15M
Property plant equipment - - - 13.27M 9.88M
Total current assets 196.00M 355.61M 254.37M 296.37M 331.85M
Long term investments 160.01M 146.35M 143.32M 141.86M 123.20M
Net tangible assets - - - 266.30M 256.29M
Short term investments 160.01M 146.35M 143.32M 141.86M 123.20M
Net receivables 10.67M 10.47M 9.47M 7.47M 5.37M
Long term debt 34.00M - 39.00M 20.00M 10.00M
Inventory - - -251.81M - -
Accounts payable - - 29.01M 11.80M 8.87M
Accumulated other comprehensive income -4.86M -9.32M -8.92M -10.51M 0.15M
Non currrent assets other 3.58M 64.69M 2266.07M -3.12M -133.08M
Non current assets total 34.56M 2708.36M 2554.70M 155.14M 133.08M
Capital lease obligations 19.00M 18.67M 20.14M 6.81M 7.44M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -7.46M -311.74M -225.18M -356.67M -6.23M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities -200.14M -311.74M -275.27M -356.67M -175.22M
Net borrowings 19.00M -24.00M 19.00M 10.00M -70.00M
Total cash from financing activities 181.90M 229.20M 307.24M 243.14M 186.03M
Change to operating activities - - - 1.72M 1.94M
Net income 37.45M 25.81M 30.70M 34.99M 40.10M
Change in cash 8.35M -43.55M 95.31M -56.25M 9.19M
Begin period cash flow 198.79M 242.34M 147.03M 203.28M 194.10M
End period cash flow 207.14M 198.79M 242.34M 147.03M 203.28M
Total cash from operating activities 26.59M 38.98M 63.34M 57.27M -1.62M
Issuance of capital stock - 0.00M 0.00M 69.14M -
Depreciation 4.29M 4.02M 4.07M 3.73M 3.38M
Other cashflows from investing activities -190.49M -302.94M -274.55M -1.61M -29.38M
Dividends paid 11.81M 11.04M 9.91M -8.95M -6.66M
Change to account receivables 2.18M -3.72M -0.93M -12.74M 2.66M
Sale purchase of stock -7.19M -0.22M -8.83M -6.73M -10.88M
Other cashflows from financing activities 179.62M 264.47M 306.98M 199.68M -0.00M
Change to netincome - - - 29.56M -49.71M
Capital expenditures 2.19M 4.08M 1.31M 5.45M 0.43M
Change in working capital -5.39M 17.87M 13.14M -11.02M 4.60M
Stock based compensation 0.97M 0.50M 0.49M 0.54M 0.45M
Other non cash items -6.89M -1.23M 10.84M 16.85M -48.21M
Free cash flow 24.40M 34.91M 62.03M 51.81M -2.05M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
PCB
PCB Bancorp		 -0.78
2.52%		 30.17 9.69 - 3.34 1.19 4.73
DBSDY
DBS Group Holdings Ltd ADR		 -0.48
0.22%		 222.70 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.66 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.10
0.29%		 34.55 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -1.65
1.87%		 86.60 11.53 10.27 5.72 1.83 8.22

Profile*

PCB Bancorp

PCB Bancorp operates as the bank holding company for PCB Bank that provides various banking products and services to small and middle market businesses and individuals in the United States. The company offers demand, savings, money market, time deposits, and certificates of deposit; and remote deposit capture, courier deposit and positive pay services, zero balance accounts, and sweep accounts. It also provides real estate loans, including commercial and residential, small business administration (SBA), multifamily, business property, and construction loans; commercial and industrial loans, such as commercial term and lines of credit, and SBA commercial term, trade finance, home, and mortgage warehouse; consumer loans comprising residential mortgage and other consumer loans; and automobile loans, unsecured lines of credit, and term loans. In addition, the company offers access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; and mobile banking solutions, including remote check deposit and mobile bill pay. Further, it provides automated teller machines; cash management, debit and credit card, and online and mobile banking; 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. It operates through full-service branches and loan production offices. 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.

3701 Wilshire Boulevard, Los Angeles, CA, United States, 90010-2871

213 210 2000

https://www.mypcbbank.com

274

Name Title Year Born
Mr. Henry Kim Pres, CEO & Director 1967
Mr. Timothy T. Chang CPA Exec. VP & CFO 1968
Mr. Brian Bang Exec. VP & Chief Credit Officer 1974
Mr. Andrew Chung Exec. VP, Chief Risk Officer & Corp. Sec. 1963
Ms. Mimi Lee Sr. VP & Chief Operations Administrator 1968
Michael A. Kwon Sr. VP & CTO NA
Hoon Jang Young Sr. VP & Branch Mang. of Western NA
Hee Lee Joon Sr. VP & Mang. of Consumer Loan Department NA
Joanne Kim Sr. VP and Branch Mang. of Buena Park & Fullerton Branch NA
Thomas Kim Sr. VP & Downtown Regional Mang. of Downtown Fashion District NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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