PCB Bancorp (PCB)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
PCB Bancorp (PCB) trades at $28.99 with AI Score 92/100 (Grade A+). PCB Bancorp, through its subsidiary Pacific City Bank, provides banking products and services to small to medium-sized businesses and individuals in Southern California. Market cap: $412.66M, Sector: Financial services.
Price live · AI analysis from May 7, 2026Analyst Coverage for PCB: PCB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates PCB against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
PCB: 6/7 perspectives are bullish. Dominant signal: Ken Griffin bearish.
How is this calculated? →PCB Bancorp (PCB) Financial Services Profile
PCB Bancorp, operating as Pacific City Bank, serves the Southern California market with a focus on small to medium-sized businesses, offering a range of deposit and loan products, complemented by digital banking solutions and a growing network of branches and loan production offices across multiple states, demonstrating a commitment to community banking.
What Is the Investment Thesis for PCB?
PCB Bancorp presents a compelling investment case based on its strategic focus on the Southern California market, a region with a robust economy and a high concentration of small to medium-sized businesses. With a P/E ratio of 8.8 and a dividend yield of 3.33%, the company offers a blend of value and income. The bank's profit margin of 19.0% indicates efficient operations and profitability. Growth catalysts include the expansion of its loan production offices and the continued adoption of its digital banking solutions. However, potential risks include interest rate sensitivity and competition from larger regional and national banks. The company's beta of 0.52 suggests lower volatility compared to the overall market.
Based on FMP financials and quantitative analysis
PCB Key Highlights
- Market capitalization of $412.66M, reflecting the company's size and market value.
- P/E ratio of 8.8, indicating a potentially undervalued stock compared to its earnings.
- Profit margin of 19.0%, showcasing the company's ability to generate profit from its revenue.
- Gross margin of 54.8%, highlighting the efficiency of the company's core banking operations.
- Dividend yield of 3.33%, providing a steady income stream for investors.
Who Are PCB's Competitors?
PCB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FFWM First Foundation Inc. | $5.90 | +2.43% | $489.27M | 59 |
| BOH Bank of Hawaii Corporation | $83.05 | +0.39% | $3.29B | 86 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $54.16 | +0.39% | $30.47B | 67 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PCB's Key Strengths?
- Strong presence in the Korean-American community.
- Experienced management team.
- Diverse loan portfolio.
- Growing branch network.
What Are PCB's Weaknesses?
- Limited geographic diversification.
- Reliance on the Southern California market.
- Smaller size compared to larger regional banks.
- Higher cost structure than larger competitors.
What Could Drive PCB Stock Higher?
- Expansion of loan production offices in new geographic markets.
- Continued growth in digital banking adoption among customers.
- Increase in SBA lending volume.
- Strategic partnerships with local businesses and community organizations.
What Are the Key Risks for PCB?
- Financial-distress signal — its Altman Z-Score of 0.27 sits in the distress zone (elevated bankruptcy risk).
- Economic slowdown in Southern California impacting loan demand.
- Rising interest rates increasing borrowing costs for customers.
- Increased competition from larger regional and national banks.
- Regulatory changes impacting banking operations and compliance costs.
What Are the Growth Opportunities for PCB?
- Expansion of Loan Production Offices: PCB Bancorp can drive growth by strategically expanding its network of loan production offices in high-growth markets. The current network includes locations in California, Virginia, Georgia, Illinois, Washington, Colorado, and Texas. By increasing its presence in these and other key markets, PCB Bancorp can tap into new customer bases and increase its loan origination volume. This expansion aligns with the broader trend of regional banks seeking to increase their geographic footprint and market share. The timeline for this expansion is ongoing, with potential for significant growth within the next 3-5 years.
- Digital Banking Adoption: PCB Bancorp can capitalize on the increasing adoption of digital banking solutions by further enhancing its online and mobile banking platforms. This includes offering a wider range of digital services, improving user experience, and investing in cybersecurity to protect customer data. By providing convenient and secure digital banking options, PCB Bancorp can attract and retain customers, reduce operating costs, and improve efficiency. The market for digital banking is expected to continue to grow rapidly, presenting a significant opportunity for PCB Bancorp. The timeline for realizing these benefits is immediate and ongoing.
- SBA Lending: PCB Bancorp can leverage its expertise in Small Business Administration (SBA) lending to drive growth. SBA loans provide attractive opportunities for banks to support small businesses while mitigating risk through government guarantees. By increasing its focus on SBA lending, PCB Bancorp can expand its loan portfolio, generate fee income, and support the growth of small businesses in its target markets. The market for SBA loans is substantial, with billions of dollars in loans being originated each year. The timeline for this growth opportunity is immediate and ongoing.
- Commercial Real Estate Lending: PCB Bancorp can continue to focus on commercial real estate (CRE) lending, particularly in its core markets. CRE loans offer attractive yields and can be a stable source of income for banks. By carefully managing its CRE portfolio and focusing on high-quality properties, PCB Bancorp can mitigate risk and generate attractive returns. The market for CRE loans is large and diverse, with opportunities in various property types and geographic locations. The timeline for this growth opportunity is immediate and ongoing, with a focus on sustainable and responsible lending practices.
- Community Engagement: PCB Bancorp can strengthen its brand and attract new customers by actively engaging with the communities it serves. This includes supporting local events, sponsoring community initiatives, and providing financial literacy education. By demonstrating a commitment to the community, PCB Bancorp can build trust and loyalty among customers, which can lead to increased business and referrals. The benefits of community engagement are long-term and can contribute to the sustainable growth of the bank. The timeline for this growth opportunity is ongoing, with a focus on building strong relationships with local stakeholders.
What Opportunities Does PCB Have?
- Expansion into new markets.
- Increased adoption of digital banking.
- Growth in SBA lending.
- Strategic acquisitions.
What Threats Does PCB Face?
- Economic downturn in Southern California.
- Increased competition from larger banks.
- Rising interest rates.
- Regulatory changes.
What Are PCB's Competitive Advantages?
- Strong relationships with the Korean-American community in Southern California.
- Extensive branch network in key markets.
- Expertise in SBA lending.
- Focus on providing personalized service to small businesses.
What Does PCB Do?
PCB Bancorp, established in 2003 and headquartered in Los Angeles, California, functions as the bank holding company for Pacific City Bank. The bank primarily serves small to medium-sized businesses, individuals, and professionals in Southern California, offering a comprehensive suite of banking products and services. These include various deposit accounts such as demand, savings, money market, and time deposits, alongside certificates of deposit. To enhance customer convenience, PCB Bancorp provides remote deposit capture, courier deposit services, positive pay services, zero balance accounts, and sweep accounts. Loan products form a significant part of PCB Bancorp's offerings, encompassing real estate loans (commercial, residential, SBA property, and construction), commercial and industrial loans (commercial term and lines of credit, SBA commercial term, and SBA Paycheck Protection Program loans), and consumer loans (automobile secured and personal loans). The bank has also invested in technology to offer online and mobile banking solutions, including account balance access, online transfers, bill payment, electronic statements, remote check deposit, and mobile bill pay. PCB Bancorp operates through a network of 11 full-service branches in Los Angeles and Orange counties, California, with additional branches in Englewood Cliffs, New Jersey, and Bayside, New York. The company also maintains 10 loan production offices across multiple states, including California, Virginia, Georgia, Illinois, Washington, Colorado, and Texas. Formerly known as Pacific City Financial Corporation, the company rebranded as PCB Bancorp in July 2019, reflecting its continued growth and expanded service offerings.
What Products and Services Does PCB Offer?
- Provides demand, savings, and money market accounts.
- Offers certificates of deposit.
- Provides commercial and residential real estate loans.
- Offers commercial and industrial loans, including SBA loans.
- Provides consumer loans, such as auto and personal loans.
- Offers online and mobile banking solutions.
- Provides treasury management and wire transfer services.
- Operates a network of branches and loan production offices.
How Does PCB Make Money?
- Generates revenue from interest income on loans.
- Earns fees from services such as wire transfers and account maintenance.
- Profits from the spread between deposit interest paid and loan interest earned.
- Gains from investing in securities.
What Industry Does PCB Operate In?
PCB Bancorp operates within the competitive regional banking sector, which is characterized by increasing consolidation and technological disruption. The industry is influenced by factors such as interest rate movements, regulatory changes, and economic growth. PCB Bancorp's focus on serving the Korean-American community and small to medium-sized businesses in Southern California provides a niche market position. The regional banking sector is experiencing growth in digital banking adoption and demand for specialized financial services. PCB Bancorp competes with larger national banks and other regional players, requiring a focus on customer service and tailored product offerings.
Who Are PCB's Key Customers?
- Small to medium-sized businesses in Southern California.
- Individuals seeking personal banking services.
- Professionals requiring financial services.
- Businesses seeking SBA loans.
How PCB Bancorp Is Valued
PCB Bancorp carries a market capitalization of $412.66M, placing it in the small-cap category. Relative to its peer group, PCB's quantitative score of 92/100 is above the peer average of 71/100.
Company Profile
PCB Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Los Angeles, US. The company is led by CEO Henry Kim. PCB has traded publicly since 2018.
ROE 10%Key Financial Metrics
Return on equity for PCB Bancorp stands at 10.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.2%, showing how much profit it generates from its asset base. PCB trades at a trailing price-to-earnings ratio of 8.80, below the Financial Services sector average of ~18x. Its free cash flow yield is 10.9%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.68 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 10.2%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 8/9Financial Health
PCB Bancorp's Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.27 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project PCB Bancorp revenue of about $125.6M for fiscal 2026, with EPS near $2.91.
PCB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in PCB's future performance, indicating that leadership believes in the company's growth trajectory.
- Community sentiment has shifted positively, with discussions highlighting PCB's strong customer relationships and community involvement.
- Analysts have noted improvements in operational efficiency, which could enhance profitability moving forward.
- Market perception is bolstered by positive news regarding regional economic growth, benefiting local banks like PCB.
Bear Case
- There are concerns about increasing competition in the banking sector, which could pressure PCB's market share and margins.
- Recent discussions in trading communities reflect skepticism about PCB's ability to adapt to changing regulatory environments, potentially impacting growth.
- Some analysts highlight risks associated with rising interest rates that could affect loan demand and profitability for banks including PCB.
- Market sentiment has been tempered by broader economic uncertainties, leading some investors to adopt a cautious stance towards regional banks.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · January 2026
PCB Latest News
No recent news available for PCB.
PCB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PCB.
Price Targets
Wall Street price target analysis for PCB.
PCB MoonshotScore
What does this score mean?
The MoonshotScore rates PCB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest PCB Bancorp Analysis
Leadership: Henry Kim
CEO
Henry Kim serves as the CEO of PCB Bancorp, bringing extensive experience in the banking and financial services industry. His career includes various leadership roles focused on commercial lending, risk management, and strategic planning. He has a strong background in community banking and a deep understanding of the Southern California market. Kim's expertise is centered around driving growth, improving operational efficiency, and fostering strong customer relationships. He is also actively involved in community organizations, reflecting his commitment to the bank's mission of serving the local community.
Track Record: Under Henry Kim's leadership, PCB Bancorp has expanded its branch network and loan production offices, increasing its market presence. He has overseen the implementation of new digital banking solutions, enhancing customer convenience and efficiency. Kim has also focused on strengthening the bank's risk management practices and improving its financial performance. Key milestones include the successful integration of new technologies and the expansion of the bank's SBA lending program.
PCB Bancorp Financial Services Stock: Key Questions Answered
What does PCB Bancorp do?
PCB Bancorp, through its subsidiary Pacific City Bank, provides a range of banking products and services primarily to small to medium-sized businesses, individuals, and professionals in Southern California. These offerings include deposit accounts, real estate loans, commercial and industrial loans, and consumer loans. The bank also provides digital banking solutions and operates a network of branches and loan production offices across multiple states. PCB Bancorp focuses on building strong relationships with its customers and supporting the growth of the local community.
What do analysts say about PCB stock?
Analyst coverage of PCB Bancorp is limited, but the general consensus is that the stock represents a potentially undervalued opportunity within the regional banking sector. Key valuation metrics such as the P/E ratio and dividend yield suggest that the stock may be attractively priced compared to its peers. Growth considerations include the bank's expansion plans, digital banking initiatives, and focus on SBA lending. However, analysts also note the potential risks associated with economic conditions in Southern California and increased competition from larger banks. Further research is needed to form a comprehensive investment opinion.
What are the main risks for PCB?
PCB Bancorp faces several key risks, including economic risks related to its concentration in the Southern California market. A downturn in the local economy could negatively impact loan demand and asset quality. The bank is also exposed to interest rate risk, as rising rates could increase borrowing costs for customers and reduce the value of its fixed-income assets. Increased competition from larger regional and national banks poses a threat to PCB Bancorp's market share and profitability. Regulatory changes and compliance costs also represent ongoing challenges for the bank.
What are the key factors to evaluate for PCB?
PCB Bancorp (PCB) holds an AI score of 92/100 (high). P/E: 8.8x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does PCB data refresh on this page?
PCB prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven PCB's recent stock price performance?
PCB Bancorp (PCB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong presence in the Korean-American community. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PCB overvalued or undervalued right now?
PCB Bancorp (PCB) trades at 8.8x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying PCB?
Before investing in PCB Bancorp (PCB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on publicly available sources and may be subject to change.
- Financial data is as of the latest available reporting period.