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PCBPCB Bancorp
$28.63$408M
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PCB logoPCB Bancorp(PCB)Earnings, Financials & Key Ratios

PCB•NASDAQ•Banking & Credit
$28.73
11.1× P/E·Price updated Jul 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutPCB Bancorp operates as the bank holding company for Pacific City Bank that provides various banking products and services to small to medium-sized businesses, individuals, and professionals in Southern California. The company offers demand, savings, money market, and time deposits, as well as certificates of deposit; and remote deposit capture, courier deposit services, positive pay services, zero balance accounts, and sweep accounts. It also provides real estate loans, including commercial and residential, Small Business Administration (SBA) property, and construction loans; commercial and industrial loans, such as commercial term and lines of credit, SBA commercial term, and SBA Paycheck Protection Program loans; and other consumer loans comprising automobile secured loans and personal loans. In addition, the company offers access to account balances, online transfers, and online bill payment and electronic delivery of customer statements; and mobile banking solutions that include remote check deposit and mobile bill pay. Further, it provides automated teller machines; 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. The company operates through a network of 11 full-service branches in Los Angeles and Orange counties, California; and one full-service branch in each of Englewood Cliffs, New Jersey, and Bayside, New York. It also operates 10 loan production offices in Irvine, Artesia, and Los Angeles, California; Annandale, Virginia; Atlanta, Georgia; Chicago, Illinois; Bellevue, Washington; Aurora, Colorado; Carrollton, Texas; and New York, New York. 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.Show more
  • Net Interest Income$104M+17.2%
  • Total Revenue$209M+9.1%
  • Net Income$37M+45.1%
  • Return on Equity9.94%+37.2%
  • Net Interest Margin3.17%+9.4%
  • Efficiency Ratio28.27%-9.6%
  • ROA1.18%+33.8%
  • Equity / Assets11.88%
  • Book Value per Share27.31+7.7%

PCB Price & Volume

PCB Bancorp (PCB) stock price & volume — 10-year historical chart

Loading chart...

Operational Efficiency Gains Drive Scalable Growth Trajectory

Investment Thesis • Updated 2026Q1

VerdictPositive: The stock appears attractively valued at a 9.66 forward P/E and a 0.55 PEG ratio
Growth:Accelerating
Profitability:Strong
Financial:Healthy
Cash Flow:Robust
Primary Risk:CRE and SBA concentration

Key Thesis Takeaways

  • PCB Bancorp demonstrates a compelling growth narrative driven by successful loan portfolio expansion and significant operational leverage, as evidenced by an efficiency ratio improvement from 35.2% in 2024Q1 to 28.4% in 2026Q1.
  • While the bank's reliance on SBA gain-on-sale revenue and a concentrated commercial real estate portfolio introduces inherent volatility, the consistent generation of $10.7 million in quarterly net income provides a robust capital buffer.
  • Investors should monitor the duration risk within the $3.0 billion investment securities portfolio and the sensitivity of credit provisions to macroeconomic shifts.

Verdict Logic

suggesting that the market may be underappreciating the bank's ability to scale earnings while maintaining a 12% equity-to-assets ratio.

PCB Growth Metrics

PCB Bancorp (PCB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years14.09%
5 Years18%
3 Years21.67%
TTM-

Profit CAGR

10 Years11.88%
5 Years18.28%
3 Years2.3%
TTM39.89%

EPS CAGR

10 Years9.72%
5 Years19.93%
3 Years3.6%
TTM43.3%

Return on Capital

10 Years13.89%
5 Years11.74%
3 Years8.02%
Last Year4.22%

PCB Recent Earnings

PCB Bancorp (PCB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (78%)●Beat Revenue 3/12 qtrs (33%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$0.74+10.4%
$0.67
Rev
$30M+0.6%
$30M
Q2 2026
Mar 14, 2026
Metric
Actual
Est
EPS
$0.65
—
Rev
$52M
—
Q1 2026
Jan 29, 2026
Metric
Actual
Est
EPS
$0.64+4.9%
$0.61
Rev
$29M-0.5%
$29M
Q4 2025
Oct 23, 2025
Metric
Actual
Est
EPS
$0.78+27.9%
$0.61
Rev
$30M+3.4%
$29M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$0.74vs $0.67+10.4%
$30Mvs $30M+0.6%
Q2 2026Mar 14, 2026
$0.65
$52M
Q1 2026Jan 29, 2026
$0.64vs $0.61+4.9%
$29Mvs $29M-0.5%
Q4 2025Oct 23, 2025
$0.78vs $0.61+27.9%
$30Mvs $29M+3.4%
Based on last 12 quarters of dataView full earnings history →

Latest PCB News

Recent stock market news and headlines for PCB Bancorp (PCB)

Zacks Investment Research·4 days ago
PCB Bancorp (PCB) Could Be a Great Choice

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does PCB Bancorp (PCB) have what it takes?

TheNewswire·Jun 23, 2026
Thailand Launches FastPass Program, Unlocking USD 21 billion in Strategic High-Tech Investment

BANGKOK, THAILAND - Media OutReach Newswire - 23 June 2026 - Prime Minister Anutin Charnvirakul formally launched Thailand FastPass at Government House, mobilizing over USD 21 billion (approximately 700 billion baht) in strategic high-tech investment. The program integrates eight government agencies to cut regulatory approval timelines by up to 50 percent, accelerating approved investments from license to operating factory. FastPass targets high-value sectors including advanced electronics, aerospace technology, precision machinery and automation systems, and recycled plastics. By coordinating eight key government agencies—including Thailand's Board of Investment (BOI), the Department of Industrial Works, the Customs Department, the Office of Natural Resources and Environmental Policy and Planning (ONEP), the Industrial Estate Authority of Thailand (IEAT), the Energy Regulatory Commission, the Metropolitan Electricity Authority, and the Provincial Electricity Authority—the initiative removes historical friction in permitting, environmental approvals, and infrastructure connectivity. At the ceremony, the eight agencies formalized their coordination by signing a memorandum of understanding (MOU) committing to reduce approval and licensing timelines by 20 to 50 percent across key investment milestones, including factory permits, free-zone processing, environmental impact assessments, and power grid connections. The ceremony drew more than 300 attendees, including foreign diplomats, international chambers of commerce, and multinational executives. "In today's global economy, speed is the ultimate competitive differentiator," said Mr. Anutin Charnvirakul, Prime Minister of Thailand. "The Thai government is shifting from regulator to active business facilitator. By removing regulatory hurdles, increasing speed, and ensuring policy transparency, we are driving physical investments that will generate next-generation employment and secure Thailand's long-term regional competitiveness." The push to turn approved projects into physical factories follows a historic surge in investment applications. BOI received a record USD 54.5 billion (approximately 1.8 trillion baht) in investment applications in 2025. Momentum has carried into 2026, with first-quarter applications already exceeding USD 30.3 billion (approximately 1 trillion baht). The USD 21 billion total spans two FastPass cohorts. In the first phase, FastPass resolved regulatory bottlenecks for 76 previously approved projects valued at over USD 14.4 billion (approximately 474 billion baht). Today's ceremony launched the second cohort: 25 projects from 23 companies worth USD 6.7 billion (approximately 223 billion baht), each receiving a formal Thailand FastPass certificate. "We are focusing heavily on 'realized investment' entering the actual economy," said Mr. Ekniti Nitithanprapas, Deputy Prime Minister and Minister of Finance. "The FastPass mechanism is designed to deliver immediate, concrete economic results in the short term, while laying down long-term structural benefits that will distribute wealth across our broader economy. These 25 pilot projects from 23 companies are projected to generate over 13,000 high-skilled jobs. Combined with the 76 projects cleared under FastPass in the preceding phase, total investment mobilized by the program exceeds 700 billion baht." This mechanism converts corporate capital into domestic benefits across five key dimensions: driving investment-led GDP growth, generating high-skilled careers, transferring technical know-how, integrating local SMEs, and creating localized economic multipliers within regional communities. "The FastPass program fundamentally changes how Thailand works with global investors," said Mr. Narit Therdsteerasukdi, Secretary-General of the BOI. "We put eight agencies into one pipeline. Permit timelines that once stretched for months can now be cut by up to half. That gets factories built, creates high-skilled jobs, and pulls Thai suppliers into global supply chains." Global corporations participating in the FastPass program cited Thailand's strategic location, modern infrastructure, robust supply chains, skilled workforce, and favorable investment policies as the key drivers for their expansion. "Thailand possesses the talent, infrastructure, and policy support necessary for next-generation industries," said Mr. Simon Gwozdz, CEO of Equatorial Space (Thailand) Co., Ltd., a developer of low-Earth orbit space launch vehicles. "The BOI's one-stop coordination significantly reduces regulatory complexity." "The availability of raw materials, infrastructure, and proactive government support were critical in our decision to anchor our regional operations here," said Mr. Donald Carpenter, CFO of U.S.-based PureCycle Technologies, Inc. "The FastPass mechanism directly improves our operational efficiency." "The speed of obtaining factory licenses under the scheme has accelerated our operational readiness, creating a smoother path to scale," said Mr. Larry Foo of SAM Precision (Thailand), a Malaysia-based manufacturer of precision components for the semiconductor industry. "The depth of Thailand's electronics supply chain and supportive state policies were critical to our investment decision," said Mr. Kris Leetavorn, Director of Advanced Connection Technology, a high-density printed circuit board (PCB) manufacturer. "The FastPass program drastically simplifies state coordination, allowing us to hit aggressive deployment timelines." To demonstrate Thailand's readiness for advanced industries, the government showcased technologies currently being deployed or manufactured in Thailand, including humanoid robotics, LiDAR sensor systems, aerospace technology, and advanced electronics. "Thailand FastPass proves what is possible when all agencies move in the same direction—approved investments actually get built," Mr. Narit concluded. "The world is reshuffling supply chains. Investors need clarity and speed. Thailand is ready to deliver both. We will keep expanding FastPass to cover more permits and more strategic industries, creating quality jobs, strengthening supply chains, and raising Thailand's long-term competitiveness." USD conversion based on a reference exchange rate of approximately 33 baht per USD (Bank of Thailand, June 2026). Hashtag: #BIO #Thailand #FastPassProgram https://www.boi.go.thThe issuer is solely responsible for the content of this announcement. Thailand Board of InvestmentEstablished in 1966, the Office of the Board of Investment (BOI) has continuously played an essential role for over 60 years in promoting value-adding investment for the country, from both foreign and Thai investors, to enhance national competitiveness and drive sustained economic growth and long-term national competitiveness. Investment Services Center, PR Section, The Office of the Board of Investment (BOI) 555 Vibhavadi-Rangsit Road, Chatuchak Bangkok 10900 Tel. +66 (0) 2553 8111, Fax: +66 (0) 2553 8222

PRNewsWire·Jun 18, 2026
PCB Technologies Awarded Approximately EUR 8.6 million Orders from a Semiconductor Industry Customer

MIGDAL HAEMEK, Israel, June 18, 2026 /PRNewswire/ --  PCB Technologies  (TASE: PCBT), a global leader in advanced electronic and PCB manufacturing solutions, is pleased to report that during the past two weeks, until June 12, 2026, several orders have been placed with the Company's PCB and Substrates Division by a leading customer in the European semiconductor equipment industry, for dozens of different types of printed circuit boards, which will then be assembled by the customer as part of a critical system used by the semiconductor industry around the world. The Orders totaled approx.

Zacks Investment Research·Jun 17, 2026
Are You Looking for a High-Growth Dividend Stock?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does PCB Bancorp (PCB) have what it takes?

Peers Comparison

Key metrics vs top competitors for PCB Bancorp (PCB)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
PCB logoPCBPCB BancorpCurrent
$28.73$408.96M11.149.1%17.89%9.94%2.79%
HAFC logoHAFCHanmi Financial Corporation
$32.48$966.81M12.943.55%18.42%10.31%—
HOPE logoHOPEHope Bancorp, Inc.
$13.53$1.73B29.41-3.23%6.82%2.96%—
RBB logoRBBRBB Bancorp
$27.28$462.01M14.912.59%16.76%7.85%—
BCAL logoBCALSouthern California Bancorp
$20.91$672.57M10.8328.44%25.68%10.59%—
CTBI logoCTBICommunity Trust Bancorp, Inc.
$72.82$1.32B13.418.86%24.85%12.27%—

Compare PCB vs Peers

PCB Bancorp (PCB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HAFC

Most directly comparable listed peer for PCB.

Scale Benchmark

vs V

Larger-name benchmark to compare PCB against a more recognizable public peer.

Peer Set

Compare Top 5

vs HAFC, HOPE, RBB, BCAL

PCB SEC Filings & Documents

PCB Bancorp (PCB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 27, 2026·SEC

Material company update

Apr 23, 2026·SEC

Material company update

Jan 29, 2026·SEC

10-K Annual Reports

5
FY 2026

Mar 16, 2026·SEC

FY 2025

Mar 13, 2025·SEC

FY 2024

Mar 12, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 7, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

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PCB Frequently Asked Questions

PCB Bancorp (PCB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is PCB Bancorp growing?

PCB Bancorp (PCB) grew revenue by 9.1% over the past year. This is steady growth.

Is PCB profitable?

Yes, PCB Bancorp (PCB) is profitable, generating $40.4M in net income for fiscal year 2025 (17.9% net margin).

Dividend & Returns
Does PCB pay dividends?

Yes, PCB Bancorp (PCB) pays a dividend with a yield of 2.79%. This makes it attractive for income-focused investors.

What is PCB's return on equity?

PCB Bancorp (PCB) has a return on equity (ROE) of 9.9%. This is below average, suggesting room for improvement.

Industry Metrics
What is PCB Bancorp's net interest margin?

PCB Bancorp (PCB) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.

What is PCB Bancorp's efficiency ratio?

PCB Bancorp (PCB) has an efficiency ratio of 28.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in PCB back in 2003?

Total return calculator · dividends reinvested · 23+ years of data

See returns →