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PCB

PCB Bancorp

PCB

PCB Bancorp • NASDAQ
$21.72 ▼ -1.59% (-0.35)
Market Cap $309.74 M
52w High $22.45
52w Low $16.00
Dividend Yield 0.80%
P/E 9.01
Volume 9.50K
Outstanding Shares 14.26M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $54.745M ▲ $14.729M ▼ $11.412M ▲ 20.846% ▲ $0.8 ▲ $16.997M ▲
Q2-2025 $52.605M ▲ $14.829M ▲ $9.071M ▲ 17.244% ▲ $0.63 ▲ $13.709M ▲
Q1-2025 $49.472M ▲ $14.474M ▲ $7.735M ▲ 15.635% ▲ $0.53 ▲ $11.904M ▲
Q4-2024 $49.362M ▲ $13.894M ▼ $7.03M ▼ 14.242% ▼ $0.47 ▼ $11.278M ▼
Q3-2024 $48.618M $14.602M $7.814M 16.072% $0.52 $11.742M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $519.777M ▲ $3.364B ▲ $2.979B ▲ $384.501M ▲
Q2-2025 $418.187M ▲ $3.306B ▲ $2.929B ▲ $376.5M ▼
Q1-2025 $362.538M ▲ $3.22B ▲ $2.813B ▲ $406.642M ▲
Q4-2024 $345.141M ▲ $3.064B ▲ $2.7B ▲ $363.814M ▲
Q3-2024 $340.699M $2.89B $2.528B $362.3M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $11.412M ▲ $16.419M ▲ $48.682M ▲ $40.83M ▼ $105.931M ▲ $16.172M ▲
Q2-2025 $9.071M ▲ $4.896M ▲ $-75.01M ▲ $119.333M ▲ $49.219M ▲ $3.825M ▲
Q1-2025 $7.735M ▲ $2.348M ▼ $-97.164M ▲ $110.372M ▼ $15.556M ▲ $1.599M ▼
Q4-2024 $7.03M ▼ $4.223M ▼ $-166.773M ▼ $168.278M ▲ $5.728M ▼ $4.177M ▼
Q3-2024 $7.834M $11.886M $-11.08M $14.628M $15.434M $11.857M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Account Analysis Fees
Account Analysis Fees
 $0 ▲$0 ▲$0 ▲$0 ▲
Monthly Service Fees
Monthly Service Fees
 $0 ▲$0 ▲$0 ▲$0 ▲
NonSufficient Funds Charges
NonSufficient Funds Charges
 $0 ▲$0 ▲$0 ▲$0 ▲
Other Deposit Related Fees
Other Deposit Related Fees
 $0 ▲$0 ▲$0 ▲$0 ▲
Products And Services Debit Card Fees
Products And Services Debit Card Fees
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement PCB Bancorp shows a pattern of steady revenue growth over the last several years, helped by expanding assets and loan activity. Profitability has been consistently positive, with solid operating and net margins for a community bank. However, earnings per share have drifted down from their peak a few years ago, suggesting some margin pressure, likely from funding costs and a tougher interest rate backdrop. In plain terms: the bank is growing its business, still makes good money on what it does, but the pace of profit per share has cooled from earlier, very strong levels.

Balance Sheet

Balance Sheet The balance sheet looks conservative and generally healthy. Assets have grown steadily, showing the bank has been expanding its loan book and customer base. Capital levels have increased over time, which strengthens the cushion to absorb shocks. Debt is modest relative to the size of the balance sheet, and cash holdings are meaningful, giving the bank flexibility. Overall, PCB operates with a traditional, fairly well-capitalized community bank profile rather than an aggressively leveraged one.

Cash Flow

Cash Flow Cash generation from the core banking business has been positive in most recent years, with free cash flow usually in line with or slightly below operating cash flow. Investment in physical assets is light, which is typical for a bank and means cash use is mainly for lending, liquidity management, and shareholder returns, not heavy capital projects. One year stands out as being roughly cash-flow neutral, but the broader pattern is of a business that reliably turns its operations into cash without strain.

Competitive Edge

Competitive Edge PCB’s edge is less about unique products and more about who it serves and how it serves them. It is deeply rooted in the Korean‑American business community and small to mid‑sized companies, especially in Southern California. Strong cultural ties, bilingual staff, and a relationship‑driven approach create loyalty that larger banks often struggle to match. Its expertise in commercial real estate and small business lending, plus preferred status for government‑backed small business loans, reinforces this position. The flip side is concentration risk: a heavy focus on one community, one region, and specific lending niches can become a vulnerability if local conditions or commercial real estate trends turn unfavorable.

Innovation and R&D

Innovation and R&D Innovation at PCB is practical rather than flashy. The bank has upgraded its core systems and built out a modern digital platform with mobile banking and business cash‑management tools that meet industry standards. These improvements should help efficiency, support more complex clients, and enable expansion beyond its original footprint. That said, PCB is not a fintech trailblazer; it is mainly keeping pace with peers, not redefining banking technology. The real opportunity is how well management uses the new systems to deepen relationships, win larger middle‑market clients, and support geographic growth and potential acquisitions without losing its high‑touch service model.

Summary

PCB Bancorp is a relationship‑driven community bank that has grown steadily, maintained solid profitability, and kept a relatively conservative balance sheet. Its strongest asset is a deep, culturally informed franchise in the Korean‑American and small business communities, supported by specialized lending capabilities. Recent years show revenue still moving up, but earnings per share easing from prior highs, a sign that the operating environment has become more challenging. Technology investments and a modernized core system give the bank new tools to expand beyond its core markets and pursue deals, but also introduce execution and integration risks. Overall, PCB looks like a focused, niche community bank with sound fundamentals, meaningful strengths in its chosen segment, and a need to carefully manage concentration, credit quality—especially in commercial real estate—and the complexities of growth and digital competition.

NEWS

October 23, 2025 · 4:10 PM UTC

PCB Bancorp Declares Quarterly Cash Dividend of $0.20 Per Common Share

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October 23, 2025 · 4:05 PM UTC

PCB Bancorp Reports Record Earnings for Q3 2025

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