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PCB Bancorp

PCB

PCB Bancorp is a bank holding company that operates through its subsidiary, PCB Bank, a commercial bank primarily serving small and middle-market businesses and individuals.

Market cap
$395.55M+32.1%
Revenue$119.0M+16.0%
Net income$40.4M+39.9%
Free cash flow$43.4M+42.5%
EPS (diluted)$2.78+42.6%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$31.9M
EPS estimate$0.73

Financials

Q1 2026

Income statement

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Revenue$30.2M+12.4%
Net income$10.7M+37.7%
EPS (diluted)$0.74+39.6%

Balance sheet

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Cash & equivalents$267.4M+24.8%
Total debt$18.3M-6.0%
Total equity$396.7M+7.0%
Total assets$3.4B+5.5%

Cash flow

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Operating cash flow$20.7M+781%
CapEx$28.0K-96.3%
Free cash flow$20.6M+1,191%

Valuation & ratios

Valuation

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Market cap$395.55M+32.1%
Enterprise value$146.44M+132%
P/E9.8×+0.1×
P/S3.3×+0.5×

Profitability

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Net margin33.9%+5.8pp
FCF margin36.5%+6.8pp

Returns & leverage

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Return on equity10.5%+2.5pp
Debt / equity0.0×

Segments

By product

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Account analysis fees$238.0K+9.2%
Non-sufficient funds charges$137.0K+37.0%
Monthly service fees$30.0K+3.4%
Other deposit related fees$25.0K0.0%

By segment

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Reportable Segment$30.2M+12.4%

Competitors

Profile

PCB Bancorp is a bank holding company that operates through its subsidiary, PCB Bank, a commercial bank primarily serving small and middle-market businesses and individuals. The company provides a comprehensive suite of lending, deposit, and treasury management solutions with a specialized focus on the Korean-American community. Its core value proposition centers on relationship-based banking and tailored financial products delivered through a multi-state branch network.

Competitive position

A specialized community bank with SBA Preferred Lender status nationwide and a significant presence in the Korean-American niche market.

GeographiesCalifornia, New York, New Jersey, Texas, Georgia, Washington
Customer segmentsSMEs, Retail, Korean-American Community
Business modelInterest Income, Fee-based Services, Asset-backed Lending
SuppliersFederal Reserve System, Federal Home Loan Bank of San Francisco, Depositors, SBA Guarantee Programs
CustomersSmall Business Owners, Real Estate Investors, Commercial Enterprises, Secondary Market Loan Buyers
Listed2003
Employees272.0
CEOHenry Kim
FilingsSEC EDGAR

Questions, answered.

What is PCB Bancorp's market cap?
PCB Bancorp (PCB) has a market capitalization of $395.5M and trades on NASDAQ.
What is PCB Bancorp's revenue and profitability?
PCB Bancorp generated $119.0M in trailing twelve-month revenue with net income of $40.4M, representing a net margin of 33.9%, with free cash flow of $43.4M. These figures are based on the Q1 2026 filing.
Who are PCB Bancorp's competitors?
PCB Bancorp's key competitors include Bank of Hope, Hanmi Bank, Equity Bancshares, Inc., and others. These companies compete in similar markets and product categories.
Who does PCB Bancorp partner with?
PCB Bancorp's notable partners include Federal Home Loan Bank of San Francisco, U.S. Small Business Administration, Fannie Mae, and others.
What subsidiaries does PCB Bancorp have?
PCB Bancorp's subsidiaries include PCB Bank.
Where is PCB Bancorp headquartered?
PCB Bancorp is headquartered in United States of America and employs approximately 272 people. It has been publicly traded since 2003.