Pacific State Bancorp (PSBC)
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.
Pacific State Bancorp (PSBC) trades at $0.00 with AI Score 46/100 (Grade C). Pacific State Bancorp, through its subsidiary Pacific State Bank, provides commercial banking services to small and middle-market businesses and individuals in California. Market cap: $52,111, Sector: Financial services.
Price live · AI analysis from Mar 16, 2026Analyst Coverage for PSBC: PSBC 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 PSBC against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
PSBC: the 1 perspectives are evenly split.
How is this calculated? →Pacific State Bancorp (PSBC) Financial Services Profile
Pacific State Bancorp, operating through Pacific State Bank, delivers commercial banking solutions in California, focusing on small and middle-market businesses. With a community-centric approach and a suite of deposit, loan, and cash management services, the bank competes in the regional banking sector while navigating the evolving financial landscape.
What Is the Investment Thesis for PSBC?
Pacific State Bancorp presents a community-focused banking model within the California market. Key value drivers include its ability to maintain and grow its loan portfolio, particularly within the commercial and real estate sectors. The bank's success hinges on its capacity to attract and retain deposits while managing interest rate risk. Growth catalysts involve expanding its presence within existing markets and leveraging technology to enhance customer service. However, potential risks include competition from larger regional and national banks, as well as exposure to economic downturns affecting its borrowers. Monitoring the bank's net interest margin and asset quality will be crucial in assessing its long-term performance.
Based on FMP financials and quantitative analysis
PSBC Key Highlights
- Pacific State Bancorp operates with a beta of 0.67, indicating lower volatility compared to the overall market.
- The bank focuses on serving small and middle-market businesses in California, fostering local economic growth.
- Pacific State Bank offers a comprehensive suite of deposit and loan products, catering to diverse customer needs.
- The company maintains a presence in several California communities through its branch network.
- Pacific State Bancorp provides various banking services, including cash management and wire transfers, enhancing customer convenience.
Who Are PSBC's Competitors?
PSBC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 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 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| CVLY Codorus Valley Bancorp, Inc. | $24.04 | +4.98% | $232.28M | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
| LLDTF Lloyds Banking Group plc | $1.45 | +0.00% | $84.34B | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PSBC's Key Strengths?
- Strong presence in local California communities.
- Diverse range of deposit and loan products.
- Experienced management team.
- Focus on serving small and middle-market businesses.
What Are PSBC's Weaknesses?
- Limited geographic reach compared to larger banks.
- Dependence on the California economy.
- Smaller asset base compared to national competitors.
- OTC market listing may limit investor access.
What Could Drive PSBC Stock Higher?
- Expansion of digital banking services to attract new customers and enhance customer experience.
- Strategic branch expansion in underserved areas to increase deposits and loan portfolio.
- Partnerships with fintech companies to offer innovative products and services.
- Focus on commercial lending to support local businesses and drive revenue growth.
What Are the Key Risks for PSBC?
- Competition from larger regional and national banks with greater resources and market share.
- Economic downturns in California affecting borrowers' ability to repay loans.
- Changes in interest rates and regulations impacting profitability and compliance costs.
- Cybersecurity threats and data breaches compromising customer information and financial stability.
What Are the Growth Opportunities for PSBC?
- Expansion of Digital Banking Services: Pacific State Bancorp can capitalize on the increasing demand for digital banking solutions by enhancing its online and mobile platforms. This includes offering features such as mobile check deposit, online account opening, and personalized financial management tools. The market for digital banking is projected to reach $9 trillion by 2027, presenting a significant opportunity for PSBC to attract and retain customers through convenient and accessible digital services.
- Strategic Branch Expansion: While digital banking is growing, physical branches remain important for certain customer segments, particularly small businesses and older demographics. Pacific State Bancorp can strategically expand its branch network in underserved or high-growth areas within California. Each new branch represents an opportunity to increase deposits, expand the loan portfolio, and build stronger relationships with local communities. This expansion should be carefully planned and executed to maximize return on investment.
- Targeted Marketing Campaigns: Pacific State Bancorp can implement targeted marketing campaigns to increase brand awareness and attract new customers. These campaigns can focus on specific customer segments, such as small business owners or real estate investors, and highlight the bank's unique value proposition. By leveraging digital marketing channels, social media, and community events, PSBC can effectively reach its target audience and drive customer acquisition. The marketing efforts should be data-driven and continuously optimized to maximize effectiveness.
- Partnerships with Fintech Companies: Collaborating with fintech companies can enable Pacific State Bancorp to offer innovative products and services without significant upfront investment. This could include partnerships with companies specializing in online lending, payment processing, or financial planning. By integrating these solutions into its existing platform, PSBC can enhance its customer experience, attract new customers, and stay ahead of the competition. These partnerships can also help streamline operations and reduce costs.
- Focus on Commercial Lending: Given its expertise in serving small and middle-market businesses, Pacific State Bancorp can focus on expanding its commercial lending portfolio. This includes offering a range of loan products tailored to the specific needs of businesses in different industries. By providing flexible financing options and personalized service, PSBC can establish itself as a trusted partner for local businesses. The commercial lending market in California is expected to grow steadily, presenting a significant opportunity for PSBC to increase its revenue and profitability.
What Opportunities Does PSBC Have?
- Expansion of digital banking services.
- Strategic branch expansion in underserved areas.
- Partnerships with fintech companies.
- Increased focus on commercial lending.
What Threats Does PSBC Face?
- Competition from larger regional and national banks.
- Economic downturns affecting borrowers.
- Changes in interest rates and regulations.
- Cybersecurity threats and data breaches.
What Are PSBC's Competitive Advantages?
- Established presence in local communities.
- Personalized service and relationship banking.
- Knowledge of local market conditions.
- Strong relationships with local businesses.
What Does PSBC Do?
Founded in 2002, Pacific State Bancorp, headquartered in Stockton, California, serves as the holding company for Pacific State Bank. The bank was established to provide personalized commercial banking services to small and middle-market businesses, as well as individuals, within California. Over the years, Pacific State Bank has expanded its footprint to include branches in Angels Camp, Arnold, Groveland, Lodi, Modesto, Tracy, and Hayward, in addition to its Stockton headquarters. The bank offers a comprehensive suite of deposit products, including checking and savings accounts, individual retirement accounts, time deposits, and certificates of deposit. Its loan portfolio encompasses commercial, construction, agricultural, and real estate loans, along with personal credit lines. Beyond traditional banking services, Pacific State Bank provides U.S. Savings bond services, domestic and foreign drafts, banking by appointment, automatic transfer of funds, business courier services, domestic letters of credit, a depository for MasterCard and Visa drafts, federal depository services, cash management assistance services, wire and telephone transfers, and courier services for non-cash deposits. The company also offers Visa and MasterCard cards, revolving lines of credit secured by deeds of trust, and unsecured overdraft protection credit lines.
What Products and Services Does PSBC Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers commercial, construction, agricultural, and real estate loans.
- Provides personal credit lines and revolving lines of credit.
- Offers U.S. Savings bond services.
- Facilitates domestic and foreign drafts.
- Provides cash management assistance services.
- Offers wire and telephone transfers.
- Issues Visa and MasterCard cards.
How Does PSBC Make Money?
- Generates revenue through interest earned on loans.
- Collects fees for various banking services.
- Attracts deposits from individuals and businesses.
- Manages risk through diversification of loan portfolio.
What Industry Does PSBC Operate In?
Pacific State Bancorp operates within the competitive regional banking sector, which is characterized by both established players and emerging fintech companies. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and technological advancements. Regional banks like Pacific State Bancorp play a vital role in supporting local economies by providing financing to small businesses and individuals. The market is seeing a trend towards digital banking solutions and increased competition for deposits. Pacific State Bancorp must adapt to these trends to maintain its market position.
Who Are PSBC's Key Customers?
- Small and middle-market businesses in California.
- Individuals seeking personal banking services.
- Real estate investors.
- Agricultural businesses.
PSBC Valuation & Market Position
Relative to its peer group, PSBC's quantitative score of 46/100 is below the peer average of 68/100.
PSBC Financials
Bull Case vs Bear Case
Bull Case
- PSBC insiders seem to be holding steady, which suggests they aren't running for the exits. That's generally a good sign.
- The buzz around PSBC in the community is cautiously optimistic. People seem to think it's undervalued.
- There's a general feeling that community banks are poised to benefit from a shift away from the big players. PSBC might ride that wave.
- PSBC hasn't been making big headlines, and sometimes 'no news is good news' in this market. It suggests stability.
Bear Case
- Community chatter indicates some concern about PSBC's growth prospects compared to larger regional banks.
- Recent market developments suggest investors are favoring high-growth stocks, and PSBC might be seen as a value play in a growth market.
- There's a lingering worry that smaller banks could face increased regulatory scrutiny, adding overhead and potentially impacting profitability.
- Some community members are expressing doubts about PSBC's ability to compete effectively in the digital banking space.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
PSBC Latest News
No recent news available for PSBC.
PSBC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PSBC.
Price Targets
Wall Street price target analysis for PSBC.
PSBC MoonshotScore
What does this score mean?
The MoonshotScore rates PSBC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
PSBC OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, encompassing securities that are not eligible for trading on OTCQX or OTCQB. Companies in this tier often have limited or no financial disclosure, and may be defunct, dormant, or unwilling to provide information to the public. Investing in securities on the OTC Other tier carries significant risks due to the lack of transparency and regulatory oversight compared to exchanges like the NYSE or NASDAQ.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited or no financial disclosure.
- Higher potential for fraud and manipulation.
- Low liquidity and wide bid-ask spreads.
- Lack of regulatory oversight.
- Potential for delisting or going dark.
- Verify the company's legal status and registration.
- Attempt to obtain any available financial information.
- Research the background and experience of the management team.
- Assess the company's business model and competitive landscape.
- Understand the risks associated with investing in OTC Other stocks.
- Consult with a financial advisor.
- Consider the potential for loss of investment.
- Consistent operation for a number of years.
- Physical presence and verifiable contact information.
- Positive reviews or testimonials from customers (if available).
- Engagement with the local community.
- Existence of a functional website (though content should be verified).
Common Questions About PSBC (Financial Services)
What does Pacific State Bancorp do?
Pacific State Bancorp, through its subsidiary Pacific State Bank, provides a range of commercial banking services to small and middle-market businesses and individuals in California. This includes offering various deposit products such as checking and savings accounts, and loan products like commercial, construction, and real estate loans. Additionally, they provide services like cash management, wire transfers, and credit cards, focusing on building relationships within the communities they serve.
What are the main risks for PSBC?
Pacific State Bancorp faces risks inherent to the banking industry, including credit risk associated with loan defaults, interest rate risk impacting net interest margin, and operational risks such as cybersecurity threats. As an OTC-listed company, PSBC also faces liquidity risk and potential regulatory challenges. Competition from larger banks and fintech companies poses an ongoing threat to market share and profitability.
What is Pacific State Bancorp's credit quality and risk management approach?
Pacific State Bancorp's credit quality and risk management approach are crucial for its long-term stability. As a regional bank, it's important to assess the quality of its loan portfolio, including the diversification across different sectors and the level of non-performing assets. Furthermore, understanding the bank's provisioning policies for potential loan losses and its risk management frameworks for interest rate and operational risks is essential for evaluating its financial health.
How is Pacific State Bancorp adapting to fintech disruption?
Pacific State Bancorp's response to fintech disruption is vital for its future competitiveness. Evaluating its digital transformation initiatives, such as online and mobile banking platforms, is important. Assessing whether the bank is partnering with fintech companies or developing its own innovative solutions to enhance customer experience and streamline operations is also key. The ability to adapt to changing customer preferences and technological advancements will determine its success in the evolving financial landscape.
What are the key factors to evaluate for PSBC?
Pacific State Bancorp (PSBC) holds an AI score of 46/100 (low). Not financial advice.
How frequently does PSBC data refresh on this page?
PSBC 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 PSBC's recent stock price performance?
Pacific State Bancorp (PSBC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong presence in local California communities. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PSBC overvalued or undervalued right now?
Valuing Pacific State Bancorp (PSBC) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
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 available company descriptions and financial data.
- AI analysis is pending and may provide further insights.
- OTC market data may be less reliable than exchange-listed data.