PCB Bancorp

PCB Bancorp

PCB
PCB BancorpUS flagNASDAQ
28.94
USD
+0.43
- -
411.95MMarket Cap
PCB Bancorp
PCB
(NASDAQ)

Recent

price

28.94

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
5.18
2.55
2.95
3.35
3.25
4.21
4.7
5.15
5.29
5.1
5.07
6.36
7.02
6.94
7
8.15
8.41
Revenue per Share
-3.68
-0.03
0.61
1.81
0.86
1.03
1.12
1.22
1.69
1.52
1.05
2.67
2.36
2.15
1.75
2.62
2.82
Basic EPS, GAAP
0.03
2.42
0.84
2.35
1.29
4.6
3.05
1.49
2.05
1.85
1
-0.14
3.49
4.34
2.45
1.72
3.07
Free Cash Flow per Basic Share
- -
- -
- -
0.33
0.09
0.07
0.11
0.12
0.12
0.25
0.4
0.44
0.6
0.69
0.78
0.83
0.85
Dividend per Share
-5.68
3.54
4.15
5.99
6.27
8.11
9.98
10.48
14.72
14.29
15.07
17.06
18.66
20.18
21.34
22.93
23.52
Book Value per Share
7.42
3.74
4.37
6.12
6.44
8.28
10.13
10.6
14.61
14.29
15.2
17.07
17.95
19.56
20.69
22.59
23.11
Tangible Book Value per Share
5
11
11
11
13
12
13
13
14
16
15
15
15
14
14
14
14
Basic Weighted Avg Shares
26
28
33
37
44
50
59
69
76
81
78
96
104
99
100
116
119
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
1
3
3
3
4
4
3
3
4
4
4
4
4
Depreciation Expense
-18
1
8
21
12
12
14
16
24
24
16
40
35
31
26
37
40
Net Income, GAAP
- -
- -
2.23
- -
42.01
42.21
42.62
47.66
30.06
29.82
29.71
29.59
29.18
29.03
28.87
28.64
28.67
Effective Tax Rate (%)
-66.94
2.96
24.42
57.23
27.05
24.46
23.79
23.75
31.89
29.8
20.76
41.96
33.6
30.96
25.89
32.37
33.88
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
9
1
1
1
- -
- -
- -
40
30
30
88
17
27
59
19
53
68
LT Debt
54
58
66
77
86
98
127
142
210
227
234
256
335
349
364
390
397
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
15.95
35.72
15.21
13.52
12.66
12.35
13.79
10.99
7.05
16.44
13.13
10.86
8.43
11.8
12.24
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
34
50
LT Finance Leases
19
19
18
Preferred Equity and Hybrid Capital
69
69
69
Shares Outstanding
14
14
14
Market Capitalization
299
308
319

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
520
367
438
Accounts Receivable, Net
11
11
11
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
15.63%
11.2%
7.2%
Free Cash Flow
-287.65%
-559.74%
-30.12%
Net Income, GAAP
19.86%
30.42%
45.11%
Sales/Revenue/Turnover
9.18%
8.69%
16.05%
Total Cash Common Dividend
33.2%
13.83%
12.75%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
24
24
25
26
100
2025
27
29
30
30
116
2026
30
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.33
0.43
0.52
0.47
1.75
2025
0.54
0.63
0.8
0.65
2.62
2026
0.75
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.18
0.19
0.2
0.2
0.78
2025
0.21
0.21
0.21
0.21
0.83
2026
0.23
- -
- -
- -
- -
Business
PCB Bancorp operates as the bank holding company for Pacific City Bank, providing comprehensive banking and financial services primarily to the Chinese American community and other ethnic minorities. The company offers a broad range of products including commercial loans, residential and construction loans, deposit services, wealth management, and treasury management services. It specializes in small and medium-sized business financing, residential mortgage lending, deposit accounts, and cash management services, supporting customers primarily in California, Washington, and New York. Founded in 1991 and headquartered in Los Angeles, California, PCB Bancorp has recently pursued strategic growth initiatives including expanding its business banking services and enhancing digital banking capabilities. In the last 1-2 years, the company has focused on strengthening its community banking model with investments in technology and new service offerings to improve customer engagement and operational efficiency. There have been no recent name changes or mergers reported, but PCB Bancorp continues to deepen its community presence and develop partnerships to serve a broader client base effectively. The company operates in the banking and financial services industry, targeting business owners, real estate developers, and individual customers within its geographic footprint, including major U.S. metropolitan areas with significant Asian American populations. PCB Bancorp’s subsidiaries include Pacific City Bank, which conducts its commercial banking operations. The company’s product suite systematically includes commercial and industrial loans; residential, construction, and multifamily real estate loans; personal banking products such as checking and savings accounts; electronic banking; and trusted wealth management solutions tailored to its community-focused clientele. Overall, PCB Bancorp leverages its cultural expertise and local market knowledge to provide tailored financial solutions to underserved communities while emphasizing strong customer relationships and disciplined credit practices. Its strategic focus remains on expanding its loan portfolio and deposit base across its operating regions while enhancing service through digital platforms and community engagement initiatives.

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