PCB Bancorp

PCB Bancorp

PCB · NASDAQ · Financial Services / Banks - Regional

29.97USD+0.07 (+0.23%)

Price History

Full chart

Market Stats

Previous Close29.90
Open29.93
Day Range29.49 – 29.97
52-Week Range19.01 – 30.59
Volume24.08K
Market Cap387.49M
P/E (TTM)9.51
Forward P/E0.00
EPS2.90
Dividend Yield3.18%
Beta0.47
50-Day Avg27.97
200-Day Avg24.97

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Henry Kim
  • Employees274
  • Headquarters3701 Wilshire Boulevard, Los Angeles, CA, United States, 90010-2871, USA
  • Websitehttps://www.mypcbbank.com

Leadership

  • Mr. Henry KimPresident, CEO & Director · b. 1967
  • Mr. Timothy T. Chang CPASenior EVP & CFO · b. 1968
  • Mr. David W. Kim J.D.Senior EVP & Chief Banking Officer · b. 1966
  • Mr. John AragonExecutive VP & Chief Information Officer
  • Mr. Troy S. AnExecutive VP & General Counsel
  • Hoon Jang YoungSenior VP & Branch Manager of Western
  • Hee Lee JoonSenior VP & Manager of Consumer Loan Department
  • Joanne KimSenior VP and Branch Manager of Buena Park & Fullerton Branch
  • Thomas KimSenior VP & Downtown Regional Manager of Downtown Fashion District
  • Soo Yim KyoungSenior VP & Branch Manager of Irvine

Financials

Income Statement

Currency: USD2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue277.78K6.73M14.35M28.73M41.56M41.12M35.72M41.69M33.39M37.35M41.79M48.76M56.05M65.87M79.16M94.15M104.81M91.50M99.91M116.25M161.86M191.91M209.37M
Growth (%)-+2321.65%+113.35%+100.21%+44.62%-1.06%-13.12%+16.71%-19.92%+11.88%+11.88%+16.67%+14.96%+17.53%+20.17%+18.94%+11.32%-12.70%+9.19%+16.36%+39.23%+18.57%+9.10%
Cost of Revenue417.13K1.78M4.79M13.29M20.92M23.77M40.61M39.35M16.18M11.53M5.13M3.96M6.64M9.30M11.92M19.18M28.15M26.79M-261.00K15.72M62.54M95.60M97.69M
Gross Profit-139.34K4.95M9.56M15.44M20.64M17.34M-4.89M2.34M17.21M25.82M36.66M44.79M49.41M56.58M67.24M74.97M76.67M64.71M100.17M100.53M99.32M96.31M111.69M
Gross Margin-50.16%73.54%66.60%53.73%49.66%42.18%-13.69%5.62%51.55%69.13%87.72%91.87%88.15%85.89%84.94%79.63%73.14%70.72%100.26%86.48%61.36%50.18%53.34%
Operating Expense743.85K3.90M6.54M10.53M16.49M16.20M15.10M15.98M16.39M17.60M20.82M24.41M28.32M32.17M35.90M40.23M42.31M41.70M43.21M51.13M56.06M60.02M59.20M
Operating Income-883.19K1.04M3.02M4.91M4.14M1.15M-19.99M-13.64M818.37K8.22M15.83M20.38M21.09M24.40M31.34M34.74M34.35M23.01M56.96M49.40M43.26M36.29M52.49M
Operating Margin-317.95%15.51%21.04%17.08%9.97%2.79%-55.96%-32.72%2.45%22.01%37.89%41.80%37.62%37.05%39.59%36.90%32.77%25.15%57.01%42.50%26.73%18.91%25.07%
EBITDA55.91K1.32M3.32M5.37M5.07M2.22M-19.00M-12.77M1.47M8.72M16.73M21.44M24.28M27.49M34.70M38.78M38.27M26.45M60.34M53.13M47.33M40.30M56.78M
EBITDA Margin20.13%19.57%23.11%18.67%12.20%5.40%-53.20%-30.63%4.41%23.35%40.02%43.97%43.31%41.73%43.83%41.19%36.51%28.90%60.40%45.71%29.24%21.00%27.12%
Net Income-968.32K1.04M2.16M2.81M2.48M720.85K-16.14M-17.67M841.68K8.04M21.38M11.82M12.19M14.00M16.40M24.30M24.11M16.18M40.10M34.99M30.70M25.81M37.45M
Net Income Margin-348.59%15.50%15.04%9.79%5.96%1.75%-45.17%-42.39%2.52%21.52%51.17%24.24%21.74%21.26%20.72%25.81%23.00%17.68%40.14%30.10%18.97%13.45%17.89%
Interest Expense85.13K1.15M3.62M10.90M16.43M16.63M13.67M15.29M4.93M4.45M4.43M5.06M6.23M7.01M10.10M17.95M23.91M13.57M4.33M12.12M62.67M92.20M93.66M
Interest Expense % of Total Revenue30.65%17.13%25.25%37.93%39.55%40.43%38.28%36.69%14.76%11.90%10.59%10.38%11.12%10.65%12.76%19.07%22.81%14.83%4.34%10.42%38.72%48.04%44.73%

Balance Sheet

Currency: USD2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets53.15M122.33M270.68M388.57M507.16M581.03M536.95M538.23M546.05M610.84M755.91M893.96M1.04B1.23B1.44B1.70B1.75B1.92B2.15B2.42B2.79B3.06B3.28B
Total Liabilities37.27M105.37M238.35M353.02M468.84M517.66M485.11M483.90M487.71M545.25M679.36M808.23M944.48M1.10B1.30B1.49B1.52B1.69B1.89B2.08B2.44B2.70B2.89B
Total Equity15.88M16.95M32.33M35.54M38.32M63.37M52.31M54.33M58.33M65.59M76.55M86.42M98.04M127.01M142.18M210.30M226.83M233.79M256.29M335.44M348.87M363.81M390.03M
Cash2.69M6.61M13.85M16.36M19.59M22.20M46.26M83.87M110.91M61.79M71.52M67.54M76.95M69.95M73.66M162.27M146.23M194.10M203.28M147.03M242.34M198.79M25.32M
Total Debt----5.00M9.50M3.12M9.20M853.00K853.00K853.00K---40.00M30.00M29.99M88.45M17.44M26.81M59.14M33.67M71.99M
Net Debt-2.69M-6.61M-13.85M-16.36M-14.59M-12.70M-43.14M-74.67M-110.06M-60.94M-70.67M-67.54M-76.95M-69.95M-33.66M-132.27M-116.24M-105.64M-185.84M-120.22M-183.21M-165.12M46.67M

Cash Flow

Currency: USD2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-610.23K485.15K2.87M6.21M5.37M3.74M13.75M385.99K27.20M9.72M27.79M17.96M56.84M40.20M21.21M30.68M30.12M17.09M-1.62M57.27M63.34M38.98M26.59M
Investing Cash Flow-35.62M-58.27M-97.96M-116.42M-160.38M-91.98M34.53M19.12M-7.47M-115.56M-141.59M-146.28M-183.35M-213.95M-215.51M-168.12M-61.90M-132.82M-175.22M-356.67M-275.27M-311.74M-200.14M
Financing Cash Flow53.88M68.02M145.05M112.65M114.08M73.65M-26.77M18.11M7.32M56.72M123.54M124.33M135.92M166.76M198.00M226.05M15.74M163.60M186.03M243.14M307.24M229.20M181.90M
Capital Expenditure1.06M77.45K173.00K2.28M2.43M195.36K149.62K210.15K203.40K312.37K1.61M647.00K2.40M1.98M1.28M1.14M710.00K1.78M430.00K5.45M1.31M4.08M2.19M
Free Cash Flow-1.67M407.70K2.70M3.93M2.94M3.54M13.60M175.84K27.00M9.40M26.18M17.32M54.45M38.22M19.93M29.54M29.41M15.31M-2.05M51.81M62.03M34.91M24.40M
Dividends Paid------358.06K---3.65M1.23M882.00K1.38M1.61M1.76M3.96M6.15M6.66M8.95M9.91M11.04M11.81M
FCF to OCF272.96%84.04%93.98%63.25%54.77%94.78%98.92%45.56%99.25%96.78%94.21%96.40%95.78%95.07%93.96%96.28%97.64%89.56%126.59%90.48%97.92%89.55%91.75%
Dividend Paid to FCF------2.63%---13.96%7.07%1.62%3.61%8.07%5.96%13.47%40.20%-325.11%17.27%15.97%31.63%48.41%

Earnings

Report DateMar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017Jun 30, 2017Sep 30, 2017Dec 31, 2017May 30, 2018Aug 10, 2018Oct 23, 2018Jan 24, 2019Apr 26, 2019Jul 25, 2019Oct 24, 2019Jan 23, 2020Apr 30, 2020Jul 23, 2020Oct 27, 2020Jan 28, 2021Apr 22, 2021Jul 22, 2021Oct 28, 2021Jan 27, 2022Apr 28, 2022Jul 28, 2022Oct 27, 2022Jan 26, 2023Apr 21, 2023Jul 27, 2023Oct 25, 2023Jan 25, 2024Apr 25, 2024Jul 25, 2024Oct 24, 2024Jan 30, 2025Apr 24, 2025Jul 24, 2025Oct 23, 2025Jan 29, 2026Apr 23, 2026Jul 23, 2026Oct 22, 2026
EPS Estimate-----------------0.350.450.390.400.400.400.390.320.110.190.350.390.490.590.640.580.640.670.660.470.510.490.490.450.410.450.460.490.560.600.600.660.730.74
EPS Actual0.210.260.320.160.250.270.270.220.250.270.270.320.330.360.350.170.461.140.440.410.400.400.420.230.230.220.220.380.550.640.730.700.670.600.460.580.700.520.490.410.330.430.520.460.530.620.790.640.740.73-
Surprise-----------------225.71%-2.22%5.13%0.00%0.00%5.00%-41.03%-28.13%100.00%15.79%8.57%41.03%30.61%23.73%9.38%15.52%-6.25%-31.34%-12.12%48.94%1.96%0.00%-16.33%-26.67%4.88%15.56%0.00%8.16%10.71%31.67%6.67%12.12%0.00%-
Timing-----------------After-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap387.49M
Enterprise Value296.77M
Trailing P/E9.51
Forward P/E0.00
Price / Sales3.27
Price / Book1.15
EPS2.90
Book Value23.64
Revenue (TTM)118.41M
Gross Profit (TTM)118.41M
Profit Margin35.31%
Operating Margin49.24%
Return on Equity10.76%
Return on Assets1.23%
Shares Outstanding14.04M
Shares Float10.30M
Beta0.47
Dividend Yield3.18%
Dividend Rate0.88
Payout Ratio29.66%

Analyst Ratings

Hold
Based on 3 analystsTarget 30.25
  • Hold
    3

Ownership Breakdown

Institutions
43.69%
Insiders
26.41%
Retail / Other
29.90%

Top Institutional Holders

  • BNP Paribas Arbitrage, SA
    1.74M12.40%
  • BlackRock Inc
    790.86K5.63%
  • Dimensional Fund Advisors, Inc.
    636.53K4.53%
  • Vanguard Capital Management, LLC
    546.41K3.89%
  • Rhino Investment Partners, Inc.
    425.98K3.03%
  • LSV Asset Management
    409.48K2.92%
  • Natixis Advisors, LLC.
    324.39K2.31%
  • Acadian Asset Management LLC
    284.17K2.02%
  • Geode Capital Management, LLC
    258.33K1.84%
  • State Street Corp
    210.69K1.50%
  • Maltese Capital Management LLC
    207.05K1.47%
  • Bridgeway Capital Management, LLC
    156.93K1.12%
  • American Century Companies Inc
    126.29K0.90%
  • Northern Trust Corp
    115.80K0.82%
  • Hillsdale Investment Management Inc.
    112.99K0.80%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    361.49K2.57%
  • iShares Russell 2000 ETF
    320.85K2.28%
  • Avantis US Small Cap Value ETF
    189.02K1.35%
  • DFA US Small Cap Value I
    161.09K1.15%
  • Fidelity Small Cap Index
    119.93K0.85%

Dividends

20264×
0.22Nov 13, 20260.22Aug 7, 20260.22May 8, 20260.22Feb 13, 2026
20254×
0.20Nov 7, 20250.20Aug 8, 20250.20May 9, 20250.20Feb 14, 2025
20245×
0.18Nov 8, 20240.18Aug 16, 20240.18Aug 9, 20240.18May 9, 20240.18Feb 8, 2024
20234×
0.18Nov 8, 20230.18Aug 10, 20230.18May 11, 20230.15Feb 9, 2023
20224×
0.15Nov 9, 20220.15Aug 11, 20220.15May 12, 20220.15Feb 10, 2022
20213×
0.12Nov 10, 20210.12Aug 5, 20210.10May 6, 2021

Stock Splits

  • Dec 28, 201611:10
  • Feb 25, 201510:11
  • Mar 19, 20143:1
  • Mar 30, 20071:2