PCB Bancorp/$PCB
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Capital at risk
About PCB Bancorp
PCB Bancorp is a bank holding company, which engages in the provision of consumer and commercial banking services. It provides Personal, Business, and Loan services, which provide banking, lending, and digital, tools, home loans, and others. Also, it offers a broad range of loans, deposits, and other products and services predominantly to small and middle-market businesses and individuals. The company provided it's services in Los Angeles and Orange Counties, California; Bellevue, Washington; and Atlanta, Georgia.
- Ticker
- $PCB
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 274
- Headquarters
- Los Angeles, United States
- Website
- www.mypcbbank.com
PCB Bancorp Metrics
BasicAdvanced
$386M
9.53
$2.90
0.48
$0.86
3.18%
Price and volume
Market cap
$386M
Beta
0.48
52-week high
$30.84
52-week low
$19.70
Average daily volume
32K
Dividend rate
$0.86
Financial strength
Dividend payout ratio (TTM)
29.49%
Profitability
Net profit margin (TTM)
35.31%
Operating margin (TTM)
49.52%
Effective tax rate (TTM)
28.64%
Revenue per employee (TTM)
$430,000
Management effectiveness
Return on assets (TTM)
1.23%
Return on equity (TTM)
10.76%
Valuation
Price to earnings (TTM)
9.525
Price to revenue (TTM)
3.302
Price to book
1.17
Price to tangible book (TTM)
1.17
Price to free cash flow (TTM)
9.65
Free cash flow yield (TTM)
10.36%
Free cash flow per share (TTM)
2.864
Dividend yield (TTM)
3.11%
Forward dividend yield
3.18%
Growth
Revenue change (TTM)
15.79%
Earnings per share change (TTM)
35.61%
3-year revenue growth (CAGR)
5.33%
3-year earnings per share growth (CAGR)
8.76%
10-year earnings per share growth (CAGR)
10.94%
3-year dividend per share growth (CAGR)
10.06%
10-year dividend per share growth (CAGR)
22.66%
Bulls say / Bears say
PCB Bancorp’s second-quarter net income available to common shareholders rose 16.0% year on year to $10.4 million, while diluted EPS increased 17.7% to $0.73. Net interest income grew 5.8% and the efficiency ratio improved to 49.2%, showing that growth is reaching the bottom line. (SEC filing)
The bank is still expanding its core franchise: loans grew 4.9% year on year and deposits 3.5% by the end of June 2026. Retail deposits rose by $45 million, or 7.2% annualised, while wholesale deposits fell, which suggests improving funding quality. (PCB Bancorp)
Credit quality and capital remain strong despite balance-sheet growth. Non-performing assets were only 0.25% of total assets, the allowance for credit losses was 1.18% of loans, and the Tier 1 leverage ratio was 11.89%, giving PCB a useful buffer against shocks. (PCB Bancorp)
Commercial real estate makes up roughly 69% of PCB’s loan portfolio, creating a significant concentration risk. Weak property values or borrower stress in its main markets could therefore produce losses that are larger than the currently low non-performing-asset ratio suggests. (MarketScreener, Seeking Alpha)
Funding remains relatively tight: loans were equivalent to 100.42% of deposits, while the cost of interest-bearing deposits was 3.76%. Deposit competition or sizeable time-deposit maturities could force PCB to pay more for funding and squeeze its net interest margin. (PCB Bancorp, Seeking Alpha)
Earnings momentum is not accelerating: second-quarter EPS fell 1.4% from the first quarter, and the net interest margin slipped to 3.33% from 3.36%. The provision for credit losses also nearly doubled sequentially to $926,000, leaving results exposed if loan growth slows or credit costs rise. (SEC filing, MarketScreener)
Data summarised monthly by Lightyear AI. Last updated on 17 Sept 2026.
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PCB Bancorp News
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Funds containing PCB Bancorp
Fund name | Fund size | $PCB weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.00% |
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