Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
PCB
BUYAPPROVEPCB Bancorp · Financial Services · United States · $400M · Avg Vol: $1M/d
PCB Bancorp clears the calibrated bar. All three legs are above the floor (Q56 V53 M69) and a buyback retiring 0.42% of shares provides the required corroboration. Nothing adverse is on file: no negative earnings revision and no insider selling. Momentum at M69 is the strongest part of the case, and higher-for-longer rates support net interest margin for a deposit-funded community lender.
COMPANY DESCRIPTION
PCB Bancorp is the holding company for Pacific City Bank, a community bank primarily serving the Korean-American community and other niche markets in Southern California. The bank offers a range of commercial and consumer banking services, leveraging its cultural connections and specialized lending expertise to carve out a strong competitive niche. It focuses on personalized service and tailored financial solutions.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 104.1M | 99.2M | 99.7M | 115.7M | 3.6% | 116.1M | 126.0M | 137.3M | 8.9% |
| EPS | 2.35 | 2.14 | 1.75 | 2.59 | 3.3% | 2.76 | 2.93 | 3.08 | 9.1% |
| Shares | 14.6M | 14.3M | 14.4M | 14.2M | -2.7% | 14.2M | — | — | — |
| Debt | 26.8M | 59.1M | 33.7M | 53.0M | 25.5% | 68.3M | — | — | — |
| Equity | 335.4M | 348.9M | 363.8M | 390.0M | 5.2% | — | — | — | — |
| Op CF | 57.3M | 63.3M | 39.0M | 26.6M | -22.6% | 44.9M | — | — | — |
| Inv CF | -356.7M | -275.3M | -311.7M | -200.1M | — | — | — | — | — |
| Fin CF | 243.1M | 307.2M | 229.2M | 181.9M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PCB are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| PCB | PCB Bancorp(you) | $400M | 77 | BUY |
| WSBF | Waterstone Financial, Inc. | $362M | 78 | BUY |
| NWFL | Norwood Financial Corp. | $355M | 78 | BUY |
| NECB | Northeast Community Bancorp, Inc. | $369M | 80 | STRONG BUY |
| COSO | CoastalSouth Bancshares, Inc. | $325M | 78 | BUY |
| PLBC | Plumas Bancorp | $427M | 81 | STRONG BUY |
| FRST | Primis Financial Corp. | $382M | 72 | BUY |
| CBK | Commercial Bancgroup, Inc. | $454M | 73 | BUY |
| OBT | Orange County Bancorp, Inc. | $505M | 79 | BUY |
| GCBC | Greene County Bancorp, Inc. | $562M | 77 | BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%