PCB

MKT CAP:$341M

PCB Bancorp

Market Cap

$341M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$23.85+$2.27 (+10.51%)

Apr 24, 2026

Company Details

PCB Bancorp operates as the bank holding company for Pacific City Bank that provides various banking products and services to small to medium-sized businesses, individuals, and professionals in Southern California. The company offers demand...

CEO

Henry Kim

IPO Date

Aug 10, 2018

Website

www.paccity.net

Key Metrics TTM

Revenue

$209M

+7.1% YoY

Net Income

$40M

EPS (Diluted)

$2.78

Free Cash Flow

$22M

Revenue / Share

$14.66

Gross Margin

41.4%

Operating Margin

20.0%

Net Margin

19.3%

FCF Margin

10.5%

P/S

1.6x

P/E

8.4x

Earnings Reports

Q1 2026

Apr 23, 2026

NEW

$49M-1.3%EPS $0.74

FY 2025

Mar 13, 2026

$209M+9.1%EPS $2.58

Q4 2025

Mar 13, 2026

$52M+6.2%EPS $0.64

Q3 2025

Nov 7, 2025

$55M+12.9%EPS $0.78

Q2 2025

Aug 8, 2025

$53M+10.9%EPS $0.62

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 22	$26M	$25M	$13M
Q3 22	$30M	$23M	$10M
Q4 22	$34M	$26M	$12M
Q1 23	$38M	$28M	$14M
Q2 23	$39M	$24M	$11M
Q3 23	$41M	$24M	$10M
Q4 23	$43M	$23M	$8M
Q1 24	$47M	$23M	$7M
Q2 24	$47M	$24M	$9M
Q3 24	$49M	$25M	$11M
Q4 24	$49M	$24M	$10M
Q1 25	$49M	$25M	$11M
Q2 25	$53M	$28M	$13M
Q3 25	$55M	$31M	$16M
Q4 25	$52M	$28M	$13M
Q1 26	$49M	$0	$0

Valuation

Quarter	P/S	P/E
Q2 22	2.7x	6.9x
Q3 22	2.5x	7.4x
Q4 22	2.2x	7.3x
Q1 23	1.6x	5.9x
Q2 23	1.5x	6.4x
Q3 23	1.4x	6.4x
Q4 23	1.6x	8.3x
Q1 24	1.3x	9.0x
Q2 24	1.3x	9.4x
Q3 24	1.4x	10.8x
Q4 24	1.5x	11.1x
Q1 25	1.4x	9.2x
Q2 25	1.5x	9.5x
Q3 25	1.4x	8.4x
Q4 25	1.5x	8.3x
Q1 26	1.5x	7.9x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$29M	$29M
Q2 22	$10M	$9M
Q3 22	$2M	$465.0K
Q4 22	$17M	$14M
Q1 23	$18M	$18M
Q2 23	$16M	$16M
Q3 23	$19M	$18M
Q4 23	$10M	$10M
Q1 24	$8M	$6M
Q2 24	$15M	$13M
Q3 24	$12M	$12M
Q4 24	$4M	$4M
Q1 25	$2M	$2M
Q2 25	$5M	$4M
Q3 25	$16M	$16M
Q4 25	$3M	$357.0K

Capital Expenditures

Quarter	CapEx
Q1 22	$319.0K
Q2 22	$875.0K
Q3 22	$1M
Q4 22	$3M
Q1 23	$122.0K
Q2 23	$510.0K
Q3 23	$427.0K
Q4 23	$256.0K
Q1 24	$2M
Q2 24	$2M
Q3 24	$29.0K
Q4 24	$46.0K
Q1 25	$749.0K
Q2 25	$1M
Q3 25	$247.0K
Q4 25	$3M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 22	+3.5%	+17.5%
Q3 22	+12.2%	+82.2%
Q4 22	+31.5%	+103.4%
Q1 23	+43.5%	+96.1%
Q2 23	+51.4%	+118.8%
Q3 23	+37.8%	+54.8%
Q4 23	+27.9%	+63.1%
Q1 24	+23.8%	+73.2%
Q2 24	+20.1%	+33.5%
Q3 24	+17.6%	+20.9%
Q4 24	+13.6%	+11.0%
Q1 25	+6.4%	-3.3%
Q2 25	+10.9%	+3.3%
Q3 25	+12.9%	+2.8%
Q4 25	+6.2%	+0.6%
Q1 26	-1.3%	+26.2%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$141.0K	0.5%
Q2 22	$142.0K	0.5%
Q3 22	$135.0K	0.4%
Q4 22	$121.0K	0.4%
Q1 23	$120.0K	0.3%
Q2 23	$113.0K	0.3%
Q3 23	$113.0K	0.3%
Q4 23	$142.0K	0.3%
Q1 24	$136.0K	0.3%
Q2 24	$129.0K	0.3%
Q3 24	$113.0K	0.2%
Q4 24	$126.0K	0.3%
Q1 25	$230.0K	0.5%
Q2 25	$232.0K	0.4%
Q3 25	$227.0K	0.4%
Q4 25	-$689.0K	-1.3%

OpEx Breakdown

Quarter	G&A	S&M
Q2 22	$8M	$310.0K
Q3 22	$9M	$909.0K
Q4 22	$8M	$724.0K
Q1 23	$9M	$372.0K
Q2 23	$9M	$203.0K
Q3 23	$9M	$980.0K
Q4 23	$9M	$772.0K
Q1 24	$9M	$319.0K
Q2 24	$9M	$318.0K
Q3 24	$9M	$667.0K
Q4 24	$9M	$582.0K
Q1 25	$9M	$243.0K
Q2 25	$9M	$597.0K
Q3 25	$11M	—
Q4 25	$12M	—
Q1 26	$534.0K	$456.0K

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$300M	$139M	$439M
Q3 22	$154M	$129M	$283M
Q4 22	$147M	$142M	$289M
Q1 23	$191M	$145M	$335M
Q2 23	$222M	$139M	$361M
Q3 23	$192M	$139M	$332M
Q4 23	$242M	$143M	$386M
Q1 24	$240M	$138M	$378M
Q2 24	$178M	$148M	$326M
Q3 24	$193M	$148M	$341M
Q4 24	$199M	$146M	$345M
Q1 25	$214M	$148M	$363M
Q2 25	$264M	$155M	$418M
Q3 25	$369M	$150M	$520M
Q4 25	$25M	$160M	$185M
Q1 26	$25M	$170M	$195M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 22	15M	-0.1%	-1.2%
Q3 22	15M	-0.2%	+0.4%
Q4 22	15M	-1.2%	-1.3%
Q1 23	15M	-2.2%	-3.7%
Q2 23	14M	-1.5%	-5.1%
Q3 23	14M	+0.3%	-4.6%
Q4 23	14M	-0.5%	-3.9%
Q1 24	14M	+0.1%	-1.7%
Q2 24	14M	-0.1%	-0.3%
Q3 24	14M	+0.3%	-0.3%
Q4 24	14M	0.0%	+0.3%
Q1 25	14M	+0.3%	+0.5%
Q2 25	14M	-0.3%	+0.4%
Q3 25	14M	-0.1%	-0.0%
Q4 25	14M	-0.8%	-0.8%
Q1 26	14M	+0.0%	-1.2%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q2 22	$106.5K	245
Q3 22	$122.5K	245
Q4 22	$127.2K	267
Q1 23	$140.7K	267
Q2 23	$147.9K	267
Q3 23	$154.9K	267
Q4 23	$162.1K	268
Q1 24	$173.5K	268
Q2 24	$177.0K	268
Q3 24	$181.4K	268
Q4 24	$190.6K	259
Q1 25	$191.0K	259
Q2 25	$203.1K	259
Q3 25	$211.9K	259
Q4 25	$200.0K	262
Q1 26	$186.4K	262

Revenue / Employee