PCB Bancorp

PCB

$27.94

-0.45%

2026-09-04 10:21:43 EDT-$0.12

Financial Services

Banks - Regional

NASDAQ

Active Trading

PCB Bancorp operates as the bank holding company for PCB Bank that provides various banking products and services to small and middle ...

Price Action of PCB

$27.94

-0.45%-$0.12

High—

Low—

52W High-8.7%

Rel. vol—

Interval

Range30m

Volume—SMA5SMA10

—

PCB Bancorp, headquartered in Los Angeles, California, is a bank holding company for PCB Bank, a community bank founded in 2003 with a mission to serve first-generation Asian-American communities, particularly Korean-Americans. The company offers a wide range of banking products and services including demand deposits, savings accounts, money market accounts, ...PCB Bancorp, headquartered in Los Angeles, California, is a bank holding company for PCB Bank, a community bank founded in 2003 with a mission to serve first-generation Asian-American communities, particularly Korean-Americans. The company offers a wide range of banking products and services including demand deposits, savings accounts, money market accounts, time deposits, and certificates of deposit. It also provides remote deposit capture, courier deposit, positive pay services, zero balance accounts, and sweep accounts. In lending, PCB offers real estate loans (commercial, residential, SBA, multifamily, business property, construction), commercial and industrial loans (term loans, lines of credit, SBA, trade finance, home and mortgage warehouse), and consumer loans (residential mortgages, auto loans, unsecured lines, term loans). The bank provides digital banking solutions such as online account access, mobile banking with remote check deposit and bill pay, and various cash management services like treasury management, wire transfers, and ACH. As of the latest data, PCB Bancorp has 262 full-time employees and serves customers through full-service branches and loan production offices. Financially, the company shows a market cap of approximately $396.7 million, a price-to-earnings ratio of 9.5, and a dividend yield of about 3.1%. It reported a net profit margin of 19.7%, return on equity of 10.6%, and an asset turnover of 0.061. The company was formerly known as Pacific City Financial Corporation and changed its name to PCB Bancorp in July 2019. PCB Bancorp is listed on NASDAQ and operates in the regional banks industry. The company emphasizes community banking, focusing on relationship-based services and supporting the growth of small and middle-market businesses.ExpandCollapse

Founded

2003

Employees

274

CEO

Henry Kim

Full Name

PCB Bancorp

Sector

Financial Services

Industry

Banks - Regional

ROE

10.64%

Market Cap

$0.39B

Current Ratio

4.15

WACC

19.80%

ROIC

76.56%

Contact Information

https://www.mypcbbank.com

213 210 2000

3701 Wilshire Boulevard, Los Angeles, CA 90010-2871

Key Metrics of PCB

Snapshot

Latest / TTM · 6 periods

Market Cap

$392.34M

ROCE

1.7%

EV / EBITDA

7.61x

-0.9% YoY

FCF Yield

10.3%

+2.3% YoY

Cash Conversion Cycle

18.1d

Current Ratio

4.15

Quick take

TTM —

Positive CCC

Financial Highlights of PCB

Profitability trend

Latest / TTM · 6 periods

Gross Margin

55.7%

Net Margin

19.7%

P/E Ratio

9.58x

n/a

Debt / Equity

0.27

n/a

Current Ratio

4.15

Dividend Yield

3.1%

Understanding

TTM —

No major balance sheet stress in these headline ratios.

Calendar of PCB

Upcoming

Sep 30, 2026In 26 days
Q3 FY2026 · Estimated results
Est. EPS $0.73 · Revenue $31.93M · 2 analysts
Dec 30, 2026
Q4 FY2026 · Estimated results
Est. EPS $0.74 · Revenue $32.30M · 2 analysts
Dec 31, 2026
FY2026 · Estimated annual results
Est. EPS $2.95 · Revenue $125.13M · 2 analysts
Mar 30, 2027
Q1 FY2027 · Estimated results
Est. EPS $0.71 · Revenue $32.23M · 1 analysts

Recent history

Aug 14, 2026
Dividend payment
$0.84 per share
Aug 7, 2026
Ex-dividend date
$0.84 per share
Aug 6, 2026
Q2 FY2026 · Results reported
EPS $0.73 · Revenue $53.24M
View filing
May 7, 2026
Q1 FY2026 · Results reported
EPS $0.74 · Revenue $52.20M
View filing
Mar 16, 2026
FY2025 · Annual results
EPS $2.58 · Revenue $209.37M
View filing
Nov 7, 2025
Q3 FY2025 · Results reported
EPS $0.78 · Revenue $54.88M
View filing

Financial Statements of PCB

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$209.4M	+9.1%	+2.0%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$37.5M	+45.1%	-1.4%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+53.3%	+6.3%	-1.8%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	+25.1%	+32.6%	-3.6%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	+17.9%	+33.0%	-3.3%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$24.4M	-30.1%	-93.3%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	+11.7%	-35.9%	-93.5%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	18.5%	+99.4%	+56.2%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	0.16x	+18.3%	+510.7%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$3.3B	+7.1%	+2.2%

Actual vs Estimate

A Dec 31Q Jun 30

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
EPS Surprise	2.58 vs 2.56	+0.9%	0.73 vs 0.70	+4.3%
Revenue Surprise	$209.4M vs $115.8M	+80.8%	$53.2M vs $31.1M	+71.2%

Insider Transactions of PCB

Acquisitions (A)

Since Mar 3, 2026

Disposals (D)

Since Mar 3, 2026

Monthly shares of acquisitions/disposals with close price trend (shared daily price source)

Insider Trading Snapshot

Date	Executive	Title	Security	Side	Shares	Price
Aug 28, 2026	KIM HENRY	director, officer: PRESIDENT, CEO & DIRECTOR	Common Stock	A	1,000	$14.75
Aug 28, 2026	KIM HENRY	director, officer: PRESIDENT, CEO & DIRECTOR	Stock option (right to buy)	D	1,000	$14.75
Aug 19, 2026	KIM HENRY	director, officer: PRESIDENT, CEO & DIRECTOR	Common Stock	A	3,000	$14.75
Aug 19, 2026	KIM HENRY	director, officer: PRESIDENT, CEO & DIRECTOR	Stock option (right to buy)	D	3,000	$14.75
Aug 17, 2026	KIM HENRY	director, officer: PRESIDENT, CEO & DIRECTOR	Common Stock	A	3,000	$14.75

Leadership Team of PCB

10 executives

Name	Title	Compensation	Gender	Year Born	Status
Henry Kim	President, Chief Executive Officer & Director	USD 1,072,180	Male	1967	Active
Timothy T. Chang	Senior EVP & CFO	USD 459,200	Male	1968	Active
David W. Kim	Senior EVP & Chief Banking Officer	USD 408,598	Male	1966	Active
Troy S. An	Executive Vice President & General Counsel	—	Male	—	Active
Soo Yim Kyoung	Senior Vice President & Branch Manager of Irvine	—	—	—	Active
Thomas Kim	Senior Vice President & Downtown Regional Manager of Downtown Fashion District	—	—	—	Active
Joanne Kim	Senior Vice President and Branch Manager of Buena Park & Fullerton Branch	—	—	—	Active
Hoon Jang Young	Senior Vice President & Branch Manager of Western	—	—	—	Active
John Aragon	Executive Vice President & Chief Information Officer	—	Male	—	Active
Hee Lee Joon	Senior Vice President & Manager of Consumer Loan Department	—	—	—	Active

Recent News of PCB

GuruFocus7/26/2026Neutral

Siemens advances self-verifying agentic AI workflows for semiconductor and PCB design

Siemens advances self-verifying agentic AI workflows for semiconductor and PCB design PR Newswire PLANO, Texas,

Zacks Investment Research7/23/2026Neutral

PCB Bancorp (PCB) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

While the top- and bottom-line numbers for PCB Bancorp (PCB) give a sense of how the business performed in the quarter ended June 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

Zacks Investment Research7/23/2026Neutral

PCB Bancorp (PCB) Q2 Earnings Meet Estimates

PCB Bancorp (PCB) came out with quarterly earnings of $0.73 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $0.62 per share a year ago.

Business Wire7/23/2026Neutral

PCB Bancorp Declares Quarterly Cash Dividend of $0.22 Per Common Share

LOS ANGELES--(BUSINESS WIRE)--PCB Bancorp (the “Company”) (NASDAQ: PCB), the holding company of PCB Bank, announced that on July 22, 2026, its Board of Directors declared a quarterly cash dividend of $0.22 per common share. The dividend will be paid on or about August 14, 2026, to shareholders of record as of the close of business on August 7, 2026. About PCB Bancorp PCB Bancorp is the bank holding company for PCB Bank, a California state chartered bank, offering a full suite of commercial bank.

Business Wire7/23/2026Neutral

PCB Bancorp Reports Earnings for Q2 2026

LOS ANGELES--(BUSINESS WIRE)--PCB Bancorp (the “Company”) (NASDAQ: PCB), the holding company of PCB Bank (the “Bank”), today reported net income available to common shareholders of $10.4 million, or $0.73 per diluted common share, for the second quarter of 2026, compared with $10.6 million, or $0.74 per diluted common share, for the previous quarter and $9.0 million, or $0.62 per diluted common share, for the year-ago quarter. Q2 2026 Highlights Net income available to common shareholders total.

Historical Employee Count of PCB

Current

262

Change

+1.16%

Minimum

245

Maximum

268

Recent Filings

Report Date	Employees	Form Type	Filing Date	SEC Filing
Dec 31, 2025	262	10-K	Mar 16, 2026	View
Dec 31, 2024	259	10-K	Mar 13, 2025	View
Dec 31, 2023	268	10-K	Mar 12, 2024	View
Dec 31, 2022	267	10-K	Mar 9, 2023	View
Dec 31, 2021	245	10-K	Mar 4, 2022	View

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PCB Bancorp