PCB Bancorp (PCB)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 78 | 96 | 104 | 99 | 100 | 116 | 120 | - |
| Operating profit | $m | 52 | 59 | ||||||
| Net profit | $m | 16 | 40 | 35 | 31 | 26 | 37 | 42 | 42 |
| EPS reported | $ | 2.58 | 2.89 | ||||||
| Operating cashflow per share | $ | 1.87 | 2.93 | ||||||
| Capex per share | $ | 0.15 | 0.03 | ||||||
| FCF per share | $ | 1.72 | 2.91 | ||||||
| Free cash flow | $m | 24 | 41 | ||||||
| Net debt | $m | -132 | 59 | ||||||
| Book value equity | $m | 390 | 400 | ||||||
| Book value per share | $ | 27.31 | 28.16 | ||||||
| Number of shares | m | 14.28 | 14.22 | ||||||
| DPS (TTM paid) | $ | 0.80 | 0.86 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.39 | 9.55 | ||||||
| P/B LTM | x | 0.79 | 0.77 | ||||||
| P/S LTM | x | 2.66 | 2.55 | ||||||
| P/FCF LTM | x | 12.61 | 7.50 | ||||||
| EV/EBITDA LTM | x | 6.24 | 5.66 | ||||||
| EV/Sales LTM | x | 1.69 | 2.26 | ||||||
| Earnings Yield LTM | % | +11.92% | +10.47% | ||||||
| FCF Yield | % | +7.93% | +13.33% | ||||||
| Quality | |||||||||
| ROE | % | +9.60% | +10.64% | ||||||
| ROIC | % | -3.76% | +1.20% | ||||||
| Operating margin | % | +25.07% | +27.54% | ||||||
| Gross margin | % | +53.34% | +55.66% | ||||||
| FCF/Sales | % | +11.65% | +19.27% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +48.28% | +66.09% | ||||||
| Sales Growth YoY | % | +16.05% | +20.80% | ||||||
| Net Income Growth YoY | % | +45.11% | +61.98% | ||||||
| FCF Growth | % | -30.12% | +17.44% | ||||||
| Operating Profit Growth | % | +44.65% | +61.46% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.84% | +3.02% | ||||||
| Dividend Growth | % | +11.11% | +19.44% | ||||||
| Payout Ratio | % | +32.06% | +29.91% | ||||||
| FCF/Debt | x | 0.34 | 0.38 | ||||||
| Net Debt/EBITDA | x | 0.82 | 1.23 | ||||||
| EBIT/Net interest | x | 0.56 | 0.63 | ||||||
| Net debt/market cap | % | +17.23% | +22.24% | ||||||
| Net debt/Equity | x | -0.34 | 0.15 | ||||||
| Gross debt/equity | x | 0.18 | 0.27 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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