PCB

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PCB Bancorp

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Key Metrics

Previous Close: $27.67
52-Week Range: $19.70 – $30.84
Market Cap: $387.49M
P/E (TTM): 9.51
EPS (TTM): 2.90
Dividend Yield: 3.18%

Advanced Metrics

Price/Book: 1.17
PEG Ratio: —
Return on Equity: 10.76%
Return on Assets: 1.23%
Gross Margin: 0.00%
Operating Margin: 49.24%
Profit Margin: 35.31%
Current Ratio: —
Debt/Equity: —
Total Debt: $107.70M
Free Cash Flow: —
Revenue Growth: 8.30%
Earnings Growth: 17.70%
Enterprise Value: $296.77M

PCB Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$104.13M	$99.19M	$99.71M	$115.71M
Selling, General & Admin	$35.91M	$37.66M	$38.45M	$39.56M
Pretax Income	$49.40M	$43.26M	$36.29M	$52.49M
Income Tax	$14.42M	$12.56M	$10.48M	$15.04M
Net Income	$34.99M	$30.70M	$25.81M	$37.45M
Diluted EPS	2.31	2.12	1.74	2.58
Diluted Shares	15.08M	14.42M	14.34M	14.28M

PCB Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$147.03M	$242.34M	$198.79M	$207.14M
Receivables	$7.47M	$9.47M	$10.47M	$10.67M
Total Assets	$2.42B	$2.79B	$3.06B	$3.28B
Long-Term Debt	$20.00M	$39.00M	—	$34.00M
Total Debt	$26.81M	$59.14M	$33.67M	$53.00M
Total Liabilities	$2.08B	$2.44B	$2.70B	$2.89B
Retained Earnings	$127.18M	$146.09M	$160.80M	$186.49M
Shareholders' Equity	$335.44M	$348.87M	$363.81M	$390.03M

PCB Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$57.27M	$63.34M	$38.98M	$26.59M
Capital Expenditure	-$5.45M	-$1.31M	-$4.08M	-$2.19M
Free Cash Flow	$51.81M	$62.03M	$34.91M	$24.40M
Depreciation & Amortisation	$3.73M	$4.07M	$4.02M	$4.29M
Stock-Based Compensation	$539.00K	$488.00K	$504.00K	$973.00K
Investing Cash Flow	-$356.67M	-$275.27M	-$311.74M	-$200.14M
Financing Cash Flow	$243.14M	$307.24M	$229.20M	$181.90M
Dividends Paid	-$8.95M	-$9.91M	-$11.04M	-$11.81M
Share Repurchases	-$6.73M	-$8.83M	-$222.00K	-$7.10M
Net Change in Cash	-$56.25M	$95.31M	-$43.55M	$8.35M

PCB Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$29.29M	$30.25M	$29.54M	$30.10M	—
Selling, General & Admin	$9.67M	$10.19M	$10.17M	$10.40M	—
Pretax Income	$12.67M	$15.90M	$13.12M	$14.90M	—
Income Tax	$3.60M	$4.49M	$3.89M	$4.25M	—
Net Income	$9.07M	$11.41M	$9.23M	$10.65M	—
Diluted EPS	0.62	0.78	0.64	0.74	0.73
Diluted Shares	14.33M	14.33M	14.24M	14.24M	14.22M

PCB Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$214.35M	$263.57M	$369.50M	$207.14M	$267.40M
Receivables	$10.97M	$10.88M	$10.83M	$10.67M	$10.95M
Total Assets	$3.22B	$3.31B	$3.36B	$3.28B	$3.40B
Long-Term Debt	$30.00M	$45.00M	—	$34.00M	$50.00M
Total Debt	$49.47M	$64.65M	$18.96M	$53.00M	$68.30M
Total Liabilities	$2.81B	$2.93B	$2.98B	$2.89B	$3.00B
Retained Earnings	$165.61M	$171.74M	$180.19M	$186.49M	$193.92M
Shareholders' Equity	$406.64M	$376.50M	$384.50M	$390.03M	$396.72M

PCB Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$2.35M	$4.90M	$16.42M	$2.93M	$20.68M
Capital Expenditure	-$749.00K	-$1.07M	-$247.00K	-$126.00K	-$28.00K
Free Cash Flow	$1.60M	$3.83M	$16.17M	$2.80M	$20.65M
Depreciation & Amortisation	$1.11M	$1.04M	$1.09M	$1.05M	$940.00K
Stock-Based Compensation	$230.00K	$232.00K	$227.00K	$284.00K	$230.00K
Investing Cash Flow	-$97.16M	-$75.01M	$48.68M	-$76.64M	-$65.69M
Financing Cash Flow	$110.37M	$119.33M	$40.83M	-$88.64M	$105.27M
Dividends Paid	-$2.97M	-$2.95M	-$2.96M	-$2.94M	-$3.21M
Share Repurchases	-$953.00K	-$1.77M	-$2.24M	-$2.14M	-$193.00K
Net Change in Cash	$15.56M	$49.22M	$105.93M	-$162.36M	$60.26M

Market Snapshot

About

PCB Bancorp is the bank holding company for Pacific City Bank, a community bank serving businesses and individuals primarily in the Korean-American community of Southern California. The bank offers a full range of banking products including commercial and consumer lending, deposit accounts, cash management, and trade finance services. PCB focuses on serving small to medium-sized businesses with personalized service and bilingual staff. The company is headquartered in Los Angeles and operates branches across the greater Los Angeles area.