PCB Bancorp (PCB) Stock

PCB Bancorp (PCB) is a Financials stock trading at $27.71 (as of 2026-08-21), with a market capitalization of $389.18M and a trailing P/E of 9.3. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

PCB Bancorp is the bank holding company for Pacific City Bank, offering deposit accounts, certificates of deposit, and related services including remote deposit capture and positive pay. It also provides lending such as real estate, commercial and industrial, SBA-related, and consumer loans, serving small to medium-sized businesses and individuals in Southern California.

Understand PCB Bancorp: how it makes money

PCB Bancorp operates Pacific City Bank, providing deposit products, real estate loans, and business banking services for small to medium-sized businesses, individuals, and professionals in Southern California, and it makes money through lending activity and fee-based deposit and payment services.

As a community bank holding company, its profit model depends on funding loans with deposits (including retail and brokered deposits) and generating income from both lending and transaction-oriented banking services.

Business quality (Solid): Clear banking business model and observable funding and operating activity metrics, but there is no reportable segment revenue breakdown provided here, limiting how precisely performance by product or segment can be judged.

Valuation: At 10× earnings, PCB trades 20% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Loan Funding for Loans Held-for-Investment: At 0.17 USD_B, indicating continued loan funding activity.
  • Full-Service Branches Opened: Opened 1.0 full-service branch, which can support customer acquisition and deposit gathering in its footprint.

Bear case

  • Brokered Deposits Decrease: Brokered deposits decreased by 0.1 USD_B, which can make funding mix less favorable if not offset by other sources.
  • Retail Deposits Decrease: Retail deposits decreased by 0.02 USD_B, which can affect the bank's stable funding base.
Valuation — source: SEC EDGAR (first-party)
Price$27.71
Market Cap$389.18M
P/E Ratio9.3
EV / EBITDA2.0
Price / Book0.97
Price / Sales125.82
FCF Yield11.4%
DCF Value (model)$48.29
DCF Upside vs Price74.3%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$2.90M
Net Margin1291.9%
Revenue Growth (YoY)12.2%
EPS Growth (YoY)15.9%
FCF Growth (YoY)-44.2%
Valuation vs Sector & Industry
Stock P/E9.3
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector-38.3%
vs Industry-28.2%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($17.79M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOHenry Kim
Employees257
CountryUS
IPO Date2018-08-10

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

  • Investar Holding Corporation (ISTR)
  • USCB Financial Holdings, Inc. (USCB)
  • Primis Financial Corp. (FRST)
  • Parke Bancorp, Inc. (PKBK)
  • Chemung Financial Corporation (CHMG)
  • Citizens Financial Services, Inc. (CZFS)
  • MVB Financial Corp. (MVBF)
  • Norwood Financial Corp. (NWFL)
PCB earnings history · PCB institutional & insider holders · PCB KPIs & operating metrics · PCB financials · PCB investor presentations & press releases · PCB SEC filings · PCB peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.