PCB Bancorp (PCB) Stock Price & Analysis
PCB Bancorp (PCB) closed at USD 28.97 on Wednesday, October 28, 2026, down 0.03% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 28.98; the Oct 28, 2026 session ranged USD 28.42–29.32 on volume of 33,136 shares. Market capitalization is $406.87M, with a 52-week range of USD 20.78–30.84 (NMS). Source: Nexqual, retrieved October 29, 2026 at 07:46 UTC.
Also available as compact Markdown for AI agents: nexqual.com/PCB.md
Key facts (PCB)
- Last four reported quarters (through Jun 30, 2026): revenue $120M, net income $41.8M (34.7% margin) (SEC filings).
- Valuation: P/E 9.7x (avg 9.4x at the last 3 fiscal year-ends).
- Analysts: Hold (mean 3.00 on a 1–5 scale) (3 analysts), mean target USD 30.5 (range 30–31).
- Total return with dividends: 1Y +41.7% vs S&P 500 +13.6%; 5Y +63.8% vs S&P 500 +79.8%.
- Next earnings: 2026-11-03, EPS estimate USD 0.73, revenue estimate $31.9M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (PCB)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $95.6M | $104M | $99.2M | $99.7M | $116M | $120M |
| Net income | $40.1M | $35.0M | $30.7M | $25.8M | $37.5M | $41.8M |
| EPS (diluted) | $2.62 | $2.31 | $2.12 | $1.74 | $2.58 | — |
| Free cash flow | -$2.0M | $51.8M | $62.0M | $34.9M | $24.4M | $40.9M |
| Net margin | 42.0% | 33.6% | 31.0% | 25.9% | 32.4% | 34.7% |
| Revenue growth | +22.6% | +9.0% | -4.7% | +0.5% | +16.1% | — |
| Cash + short-term investments | $203M | $147M | $242M | $199M | $207M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (PCB)
P/E 9.7x · P/S 3.4x · P/FCF 10.0x · P/B 1.0x · FCF yield 10.04% · Earnings yield 10.28% · Dividend yield (paid, TTM) 2.94% · Buyback yield (TTM) 2.01%
P/E at fiscal year-ends: Dec 2025 8.3x, Dec 2024 11.2x, Dec 2023 8.7x.
Analysts (PCB)
Consensus Hold (mean 3.00 on a 1–5 scale), 3 analysts; mean target USD 30.5 (low 30, high 31).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-07-27 | Keefe, Bruyette & Woods | Target raised | Market Perform | $29 → $29.5 |
Total return (dividends reinvested) (PCB)
| 1Y (from 2025-10-29) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +41.7% | +63.8% |
| S&P 500 (SPY) | +13.6% | +79.8% |
| Per year | +41.9% | +10.3% |
| Volatility (annualized) | 23.0% | 26.4% |
| Max drawdown | -10.6% (Jul 2026→Sep 2026) | -44.9% (Jan 2022→Apr 2023) |
PCB earnings history and stock reaction
| Results filed | Quarter | EPS | Consensus | Surprise | Stock reaction |
|---|---|---|---|---|---|
| Jul 23, 2026 | Quarter ended Jun 30, 2026 | $0.73 | $0.70 | Beat +4.3% | -3.5% |
| Apr 23, 2026 | Quarter ended Mar 31, 2026 | $0.74 | $0.66 | Beat +12.1% | -0.2% |
| Jan 29, 2026 | Quarter ended Dec 31, 2025 | $0.64 | $0.60 | Beat +6.7% | +4.2% |
| Oct 23, 2025 | Quarter ended Sep 30, 2025 | $0.79 | $0.60 | Beat +31.7% | +4.7% |
| Jul 24, 2025 | — | — | — | — | -0.5% |
| Apr 24, 2025 | — | — | — | — | -0.2% |
| Jan 30, 2025 | — | — | — | — | +1.6% |
| Oct 24, 2024 | — | — | — | — | +1.0% |
EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).
PCB recent SEC filings (last 120 days)
| Filed | Form | What it says |
|---|---|---|
| Sep 28, 2026 | 8-K | Regulation FD disclosure; Other material event “On September 23, 2026, the Board of Directors of the Company approved a share repurchase program authorizing the Company to repurchase up to 700,000 shares of its common stock. Under the share repurchase program, the Company may purchase shares of its common stock through various means such as open market transactions, including block purchases, and privately negotiated transactions. The timing, manner, price and amount of any repurchases will be determined at the Company's discretion. Factors include, but are not…” |
| Sep 24, 2026 | 8-K | Director or executive officer change, or pay arrangement “On September 23, 2026, PCB Bancorp, a California corporation (the "Company"), and its wholly owned subsidiary, PCB Bank, a California state-chartered bank (the "Bank" and together with the Company, the "Employer"), entered into an Amended and Restated Employment Agreement (the "Employment Agreement") with Henry H. Kim, the current Chief Executive Officer of the Company and the Bank. The Employment Agreement is effective as of January 1, 2027 (the "Effective Date") and its terms will supersede Mr. Kim's current…” |
| Aug 6, 2026 | 10-Q | Quarterly report · period ended Jun 30, 2026 |
| Jul 24, 2026 | 8-K/A | Regulation FD disclosure |
| Jul 23, 2026 | 8-K | Quarterly results; Regulation FD disclosure; Other material event “Common Stock Dividend On July 23, 2026, the Company issued a press release announcing that on July 22, 2026, its Board of Directors declared a quarterly cash dividend of $0.22 per common share. The dividend will be paid on or about August 14, 2026, to shareholders of record as of the close of business on August 7, 2026. A copy of the press release is attached as Exhibit 99.3 to this Current Report and is incorporated herein by reference.” |
Source: SEC EDGAR. Quotes are the opening words of each item as filed; each form links to the filing. Insider Form 4 filings are listed in the insider sections.
PCB revenue by product line (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Total service charges and fees on deposits | $450,000 | 55.6% | +20.0% |
| — Account analysis fees (part of Total service charges and fees on deposits) | $282,000 | 34.8% | +25.3% |
| — Non-sufficient funds charges (part of Total service charges and fees on deposits) | $114,000 | 14.1% | +20.0% |
| — Monthly service fees (part of Total service charges and fees on deposits) | $29,000 | 3.6% | -3.3% |
| — Other deposit related fees (part of Total service charges and fees on deposits) | $25,000 | 3.1% | +0.0% |
| Wire transfer fees | $181,000 | 22.3% | +4.6% |
| Debit card fees | $109,000 | 13.5% | -6.8% |
| Other service charges | $70,000 | 8.6% | +22.8% |
| Total revenue | $810,000 | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
PCB suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | Federal Deposit Insurance | “The failure to meet applicable regulatory capital requirements could result in one or more of our regulators placing limitations or conditions on our activities, including our growth initiatives, or restricting the commencement of new activities, and could affect customer and investor confidence, our costs of funds and FDIC insurance costs, our ability to pay dividends on our common stock, our ability to make acqu…” |
Quoted from the company's 10-K filed Mar 16, 2026.
PCB company outlook (results filed Jul 23, 2026)
- “During the current quarter, the Company invested $8.0 million in qualified affordable housing projects.”
Quoted word-for-word from the SEC 8-K results press release.
PCB analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $0.73 | $0.73 | +0.0% | $31.9M | 3 |
| Next quarter (ends Dec 2026) | $0.73 | $0.74 | -0.9% | $32.2M | 2 |
| Current fiscal year (ends Dec 2026) | $2.97 | $2.91 | +2.1% | $125.0M | 3 |
| Next fiscal year (ends Dec 2027) | $3.04 | $3.07 | -1.0% | $133.7M | 3 |
PCB options: expected move
Options price a move of about ±17.5% (±$5.08) by Jan 15, 2027, which includes earnings on Nov 3, 2026. Over the last 8 reports the stock moved ±2% on average.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Jan 15, 2027 | 79 | 45.7% | ±17.5% |
| Apr 16, 2027 | 170 | 27.4% | ±15.4% |
30-day implied volatility 43.5% vs 15.9% realized over the last 30 trading days. Put/call ratio (volume) —. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 29, 2026 at 07:46 UTC)
| Price | USD 28.97 |
|---|---|
| Change | ▼ 0.03% (down) |
| Previous Close | USD 28.98 |
| Open | USD 29.32 |
| Day Range | USD 28.42 – 29.32 |
| 52-Week Range | USD 20.78 – 30.84 |
| Volume | 33,136 shares |
| Market Cap | $406.87M |
| Exchange | NMS |
Technical Analysis (PCB)
Nexqual's technical model rates PCB "BUY" based on 5 bullish and 1 bearish signals across 127 daily candles, as of October 29, 2026 at 07:46 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 63.53 (neutral) |
| vs SMA50 | Above (USD 27.86) |
| MACD | 0.28 (positive) |
Analyst Ratings (PCB)
Wall Street analysts rate PCB "Hold" based on 3 analysts, with a mean price target of USD 30.5 (range USD 30–31), per Nexqual as of October 29, 2026 at 07:46 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 3 |
| Mean Target | USD 30.5 |
| High Target | USD 31 |
| Low Target | USD 30 |
| Buy / Hold / Sell | 0 / 3 / 0 |
Earnings (PCB)
| Next Earnings Date | 2026-11-03 |
|---|---|
| EPS Estimate | USD 0.73 |
| Revenue Estimate | $31.93M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.73 vs est 0.7 ▲ beat |
| 2026-03-31 | USD 0.74 vs est 0.66 ▲ beat |
| 2025-12-31 | USD 0.64 vs est 0.6 ▲ beat |
| 2025-09-30 | USD 0.79 vs est 0.6 ▲ beat |
Source: Nexqual, October 29, 2026 at 07:46 UTC.
Financials & Fundamentals (PCB)
| Total Revenue | $118.41M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +8.30% |
| Gross Margin | +0.00% |
| Operating Margin | +49.24% |
| Profit Margin | +35.31% |
| ROE | +10.76% |
| Total Cash | $265.20M |
| Total Debt | $107.70M |
Source: Nexqual, October 29, 2026 at 07:46 UTC.
Financial Health Score (PCB)
Nexqual rates PCB Bancorp's overall financial health "Solid" across five dimensions, as of October 29, 2026 at 07:46 UTC.
| Growth | Strong — Revenue +16% YoY (annual) |
|---|---|
| Profitability | Strong — Net margin 35% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: State Commercial Banks) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: State Commercial Banks) |
| Efficiency | Mixed — ROE 10%, ROA 1.2% (last 4 quarters, SEC) |
Ownership (PCB)
| Insider Ownership | +26.41% |
|---|---|
| Institutional Ownership | +43.64% |
| Shares Outstanding | 14.04M |
| Float | 10.30M |
| Short % of Float | +2.32% |
Source: Nexqual, October 29, 2026 at 07:46 UTC.
Leadership (PCB)
PCB Bancorp is led by Henry Kim, President, CEO & Director, per Nexqual as of October 29, 2026 at 07:46 UTC.
| President, CEO & Director | Henry Kim |
|---|---|
| Senior EVP & CFO | Timothy T. Chang |
Major Backers & Investors (PCB)
Notable institutional backers of PCB Bancorp include Rhino Investment Partners, Inc., LSV Asset Management, Acadian Asset Management. LLC, according to Nexqual as of October 29, 2026 at 07:46 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Rhino Investment Partners, Inc. | 2.99% |
| LSV Asset Management | 2.92% |
| Acadian Asset Management. LLC | 2.02% |
| DFA INVESTMENT DIMENSIONS GROUP INC-U.S. Small Cap Value Portfolio | 1.64% |
| American Century ETF Trust-Avantis U.S. Small Cap Value ETF | 1.55% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 6.16% |
| Dimensional Fund Advisors | 4.53% |
| Vanguard Group | 3.53% |
| Geode Capital | 2.01% |
| State Street | 1.5% |
Source: Nexqual, October 29, 2026 at 07:46 UTC.
From PCB Bancorp's Latest SEC 10-K Filing (filed 2026-03-16)
Key Strengths & Strategy (as disclosed to the SEC)
- As a result, the growth and earnings performance of the Company and its subsidiaries may be affected not only by management decisions and general economic conditions, but also by the requirements of federal and state statutes and by the regulations and policies of various bank regulatory agencies, including the California Department of Financial Protection and Innovation ("CDFPI"), the Federal Reserve System ("Federal Reserve"), the FDIC, and the Bureau of Consumer Financial Protection ("CFPB").
Partnerships
- The Bank offers SBA loans for qualifying businesses for amounts up to $5.0 million.
- Investment transactions up to $10 million require the approval of two chief officers.
Legal & Regulatory Risks (Item 1A, quoted)
- We are subject to extensive government regulation that could limit or restrict our activities, which in turn may adversely impact our ability to increase our assets and earnings.
- We are subject to numerous laws designed to protect consumers, including the Community Reinvestment Act and fair lending laws, and failure to comply with these laws could lead to a wide variety of sanctions.
- Changes in U.S. trade policies, such as the implementation of tariffs, control may adversely impact our business, financial condition and results of operations.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| FITB | Fifth Third Bancorp | USD 53.47 | ▼ 0.22% |
| NU | Nu Holdings Ltd. | USD 11.97 | ▼ 3.47% |
| TFC | Truist Financial Corporation | USD 48.42 | ▼ 0.25% |
| DB | Deutsche Bank AG | USD 33.51 | ▲ 4.33% |
| NWG | NatWest Group plc | USD 17.23 | ▲ 2.13% |
| LYG | Lloyds Banking Group Plc | USD 5.5 | ▲ 1.85% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 29, 2026 at 07:46 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt