PCB Bancorp (PCB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

PCB Bancorp

NasdaqGS•Financial Services•Banks - Regional

$28.14+0.08(<0.01%)Market closed

Market Cap

$391.76M

P/E

9.4x

P/S

3.3x

P/B

1.0x

PCB Bancorp operates as the bank holding company for PCB Bank that provides various banking products and services to small and middle market businesses and individuals in the United States. The company offers demand, savings, money market, time deposits, and certificates of deposit; and remote deposit capture, courier deposit and positive pay services, zero balance accounts, and sweep accounts. It also provides real estate loans, including commercial and residential, small business administration (SBA), multifamily, business property, and construction loans; commercial and industrial loans, such as commercial term and lines of credit, and SBA commercial term, trade finance, home, and mortgage warehouse; consumer loans comprising residential mortgage and other consumer loans; and automobile loans, unsecured lines of credit, and term loans. In addition, the company offers access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; and mobile banking solutions, including remote check deposit and mobile bill pay. Further, it provides automated teller machines; cash management, debit and credit card, and online and mobile banking; and banking by telephone, mail, personal appointment, debit cards, direct deposit, and cashier's checks, as well as treasury management, wire transfer, and automated clearing house services. It operates through full-service branches and loan production offices. The company was formerly known as Pacific City Financial Corporation and changed its name to PCB Bancorp in July 2019. PCB Bancorp was founded in 2003 and is headquartered in Los Angeles, California.

How this company scores

WeakMetricSide Score: 77/100

Grade capped at D — Interest coverage below 1× (0.7x) — earnings cannot cover interest. Strongest: Growth (23/25); weakest: Balance Sheet & Red Flags (13/25).

Profitability20/25

Growth23/25

Balance Sheet & Red Flags13/25

Cash & Earnings Quality21/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

Grade capped at D

Interest coverage below 1× (0.7x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 9.4x5y range 5.8x – 11.1x

Currently near its 20-quarter median.

P/S · 3.3x5y range 2.0x – 3.4x

Currently near its 20-quarter median.

P/B · 1.0x5y range 0.6x – 1.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Earnings Quality

Red Flag

FCF consistently trails net income (avg 0.8x) — earnings may be inflated by non-cash items or aggressive accounting.

Leverage Risk

Watch

Debt-to-equity has risen 170.8% recently — increasing financial risk even if the current ratio is manageable.

Price & Volume

Market Cap $391.76M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $120.44M
Q. Revenue: $30.70M
TTM EBITDA: $61.83M
TTM Op. Income: $58.59M
Q. Op. Income: $14.66M
TTM Net Income: $41.81M
Q. Net Income: $10.51M
EPS: $0.73
Shares Out.: $14.11M

$120.44M in TTM revenue grew 11.8% YoY, reaching $30.70M last quarter. TTM EBITDA of $61.83M and TTM operating income of $58.59M show growth is flowing through to the bottom line. TTM net income of $41.81M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 49.4%
Op. Margin: 47.8%
Net Margin: 34.2%

Op. margin of 47.8% is up 4.5% YoY — cost efficiency is improving. Net margin at 34.2% Over the past year, operating margin is up 10% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 9.4x
P/S Ratio: 3.3x
P/B Ratio: 1.0x

At 9.4x P/E, the stock trades below typical market levels. P/S of 3.3x and P/B of 1.0x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 1% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.47B
Cash: $265.20M
Long-Term Debt: $80.00M
Book Value: $400.46M
D/E Ratio: 0.2
Debt/EBITDA: 5.3

With $3.47B in assets and $80.00M in long-term debt, D/E is 0.2and book value is $400.46M — a conservative capital structure with a cushion to weather downturns. Across the last 6 quarters, debt/equity has risen for 2 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $1.35M
TTM Free Cash Flow: $40.86M
FCF Margin: 33.9%
FCF / Net Income: 1.0

TTM FCF of $40.86M on $1.35M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 90% — a weakening trend.