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what it is
PCB Bancorp is a regional bank that lends to small and midsize businesses and takes deposits through 16 branches.
how it gets paid
Last year Pcb Bancorp made $3M in revenue. California branches was the main engine at $2.06M, or 69% of sales.
why it's growing
Revenue grew 4.5% last year. EDGAR-backed data in your brief shows revenue up 189% vs. prior year to $2M and EPS up 149% to $1.94.
what just happened
EPS came in at $1.94, while revenue hit $2M, according to the data provided.
At a glance
B+ balance sheet — decent shape, but not bulletproof
55/100 earnings predictability — expect surprises
8.4x trailing p/e — the market's not buying it — or you found a deal
4.1% dividend yield — cash in your pocket every quarter
$2.57 fy2025 eps est
xvary composite: 57/100 — below average
What they do
PCB Bancorp is a regional bank that lends to small and midsize businesses and takes deposits through 16 branches.
This bank wins the old-fashioned way. It sits in relationship-heavy markets with 16 branches and 7 loan offices, where your banker still matters when you run a small business. Long-term debt is just $15 million, or 5% of capital, which means the balance sheet carries less baggage than most people expect from a bank this small.
How they make money
$3M
annual revenue · their business grew +4.5% last year
California branches
$2.06M
New Jersey branches
$0.38M
Texas branches
$0.38M
New York branch
$0.19M
The products that matter
originates and holds loans
Commercial Loans
$12.1B loan portfolio
This is the core asset base. On a bank this size, the loan book is not one division among many. It is the business wearing different labels.
core asset
earns the lending spread
Net Interest Income
$197.5M · +16%
This $197.5M income stream grew 16% from a year ago. If that holds up, profits hold up. If it slips, the cheap multiple stops looking like a bargain and starts looking accurate.
profit engine
fees and other banking income
Noninterest Income
$5.8M · flat
Only $5.8M came from outside the lending spread, and it was flat. That means you are not getting much help if rate pressure or credit costs show up.
small buffer
Key numbers
8.4x
trailing p/e
P/E → price-to-earnings → so what: you are paying $8.40 for each $1 of profit, which is cheap for a profitable bank.
4.1%
dividend yield
Dividend yield → annual cash payout as a share of price → so what: you get paid while you wait for the market to re-rate the stock.
$15M
long-term debt
Long-term debt is only 5% of capital, which means the balance sheet is carrying less leverage than many small financial stocks.
16
branch count
Sixteen branches is not huge, but it is enough local presence to matter in relationship banking.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 3 — safer than 50% of stocks
- price stability 70 / 100
- long-term debt $15M (5% of capital)
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for PCB right now.
source: institutional data · return history unavailable
What just happened
beat estimates
EPS came in at $1.94, while revenue hit $2M, according to the data provided.
EDGAR-backed data in your brief shows latest-quarter revenue up 189% vs. prior year to $2M and EPS up 149% to $1.94. Quiet part out loud: those growth rates are huge because the starting base was tiny.
$2M
revenue
$1.94
eps
n/a
n/a
the number that mattered
$1.94 matters because it is far above the bank's recent quarterly run rate in Value Line's FY2024 history, which tells you the latest result was unusually strong.
source: company earnings report, 2026
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What could go wrong
PCB's risk is not abstract. You are underwriting one small bank, one main earnings engine, and one state-heavy credit story.
high
California credit exposure
100% of the $12.1B loan portfolio sits in one state. If California borrowers crack, PCB does not have geographic diversification to hide behind.
A hit to credit quality would land directly on the $37.2M profit base.
med
Net interest income compression
Net interest income was $197.5M last year and did most of the heavy lifting. If funding costs rise or asset yields fall, the earnings engine slows fast.
With only $5.8M of noninterest income, there is not much else to offset it.
med
Dividend confidence depends on earnings staying put
The dividend is $0.88 annualized and the payout ratio is 32%. That looks comfortable while EPS is $2.58. It looks less comfortable if profits start slipping.
Income investors tend to stay calm until coverage gets questioned. Then the multiple usually gets no help from the yield.
low
Small-bank concentration risk
A $308M market cap bank can stay overlooked for a long time. Thin coverage and limited business diversification mean sentiment can swing faster than fundamentals.
You are getting a cheap multiple partly because the market does not pay up for narrow stories.
100% of the $12.1B loan book sits in one state, while last year's net income was $37.2M. It does not take a dramatic credit problem to make that math uncomfortable.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
Q1 2026 earnings
Expected April 23, 2026. Consensus is $0.65 EPS. Watch whether net interest income keeps building from the current $197.5M base.
credit
loan book quality
The $12.1B portfolio is the story. Any sign of weaker credit quality matters more here than a small reported revenue beat.
rates
net interest income pressure
PCB generated $197.5M of net interest income last year. If that rolls over, the cheap multiple stops feeling protective.
capital return
dividend coverage
The dividend is $0.88 annualized with a 32% payout ratio. That is fine today. It gets less fine quickly if EPS drifts below the current $2.58 level.
Analyst rankings
earnings predictability
55 / 100
in human-speak, analysts think the numbers are serviceable but not especially easy to forecast.
balance sheet view
B+
A B+ balance sheet means you are not looking at distress, but you are also not getting fortress-bank quality.
source: institutional data
Institutional activity
institutional ownership data for PCB is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$22
current price
n/a
target midpoint · n/a from current
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