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PCB Bancorp

PCB

(3.5)
Stock Price

20,64 USD

0.84% ROA

6.86% ROE

10.61x PER

Market Cap.

253.863.740,00 USD

25.08% DER

4.04% Yield

14.72% NPM

PCB Bancorp Stock Analysis

PCB Bancorp Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

PCB Bancorp Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.66x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a low debt to equity ratio (2%), which means it has a small amount of debt compared to the ownership it holds

3 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

4 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past five years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

5 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

6 ROE

ROE in an average range (9.89%) suggests satisfactory profitability and decent utilization of shareholders' equity.

7 ROA

The stock's ROA (1.3%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

8 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

9 Buffet Intrinsic Value

The company's stock seems undervalued (59) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

10 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

11 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

PCB Bancorp Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

PCB Bancorp Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

PCB Bancorp Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

PCB Bancorp Revenue
Year Revenue Growth
2003 192.655
2004 5.574.370 96.54%
2005 10.729.327 48.05%
2006 17.835.098 39.84%
2007 25.122.106 29.01%
2008 24.491.142 -2.58%
2009 22.048.986 -11.08%
2010 26.395.972 16.47%
2011 30.372.786 13.09%
2012 32.906.238 7.7%
2013 37.362.778 11.93%
2014 43.696.000 14.49%
2015 49.342.000 11.44%
2016 59.200.000 16.65%
2017 69.064.000 14.28%
2018 75.849.000 8.95%
2019 80.903.000 6.25%
2020 77.929.000 -3.82%
2021 95.571.000 18.46%
2022 104.131.000 8.22%
2023 99.804.000 -4.34%
2023 161.860.000 38.34%
2024 189.720.000 14.68%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

PCB Bancorp Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

PCB Bancorp General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 490.314
2004 1.991.639 75.38%
2005 3.557.524 44.02%
2006 5.543.416 35.82%
2007 8.808.932 37.07%
2008 8.619.391 -2.2%
2009 7.546.378 -14.22%
2010 11.563.159 34.74%
2011 13.813.255 16.29%
2012 12.308.074 -12.23%
2013 14.492.061 15.07%
2014 16.711.000 13.28%
2015 18.968.000 11.9%
2016 19.944.000 4.89%
2017 22.829.000 12.64%
2018 27.179.000 16.01%
2019 28.806.000 5.65%
2020 29.196.000 1.34%
2021 30.677.000 4.83%
2022 33.762.000 9.14%
2023 34.896.000 3.25%
2023 35.328.000 1.22%
2024 37.784.000 6.5%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

PCB Bancorp EBITDA
Year EBITDA Growth
2003 -827.277
2004 2.469.077 133.51%
2005 6.942.608 64.44%
2006 16.262.363 57.31%
2007 21.504.806 24.38%
2008 18.845.414 -14.11%
2009 -6.109.674 408.45%
2010 2.525.233 341.94%
2011 11.330.056 77.71%
2012 13.168.019 13.96%
2013 21.152.707 37.75%
2014 26.498.000 20.17%
2015 28.668.000 7.57%
2016 35.213.000 18.59%
2017 44.792.000 21.39%
2018 56.730.000 21.04%
2019 38.267.000 -48.25%
2020 26.446.000 -44.7%
2021 60.343.000 56.17%
2022 65.254.000 7.53%
2023 39.972.000 -63.25%
2023 -95.000 42175.79%
2024 -568.000 83.27%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

PCB Bancorp Gross Profit
Year Gross Profit Growth
2003 192.655
2004 5.574.370 96.54%
2005 10.729.327 48.05%
2006 17.835.098 39.84%
2007 25.122.106 29.01%
2008 24.491.142 -2.58%
2009 22.048.986 -11.08%
2010 26.395.972 16.47%
2011 30.372.786 13.09%
2012 32.906.238 7.7%
2013 37.362.778 11.93%
2014 44.353.000 15.76%
2015 49.342.000 10.11%
2016 59.200.000 16.65%
2017 69.064.000 14.28%
2018 75.849.000 8.95%
2019 80.903.000 6.25%
2020 77.929.000 -3.82%
2021 95.571.000 18.46%
2022 104.131.000 8.22%
2023 99.804.000 -4.34%
2023 161.860.000 38.34%
2024 189.720.000 14.68%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

PCB Bancorp Net Profit
Year Net Profit Growth
2003 -968.318
2004 1.042.370 192.9%
2005 2.160.399 51.75%
2006 2.813.310 23.21%
2007 2.477.468 -13.56%
2008 720.853 -243.69%
2009 -16.136.170 104.47%
2010 -17.670.783 8.68%
2011 841.684 2199.46%
2012 8.036.598 89.53%
2013 21.383.078 62.42%
2014 11.819.000 -80.92%
2015 12.186.000 3.01%
2016 14.002.000 12.97%
2017 16.403.000 14.64%
2018 24.301.000 32.5%
2019 24.108.000 -0.8%
2020 16.175.000 -49.04%
2021 40.103.000 59.67%
2022 34.987.000 -14.62%
2023 28.092.000 -24.54%
2023 30.705.000 8.51%
2024 25.124.000 -22.21%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

PCB Bancorp Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 -1
2004 1 0%
2005 1 100%
2006 1 0%
2007 1 0%
2008 0 0%
2009 -6 100%
2010 -3 -66.67%
2011 0 0%
2012 1 0%
2013 2 100%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 2 0%
2019 2 0%
2020 1 0%
2021 3 50%
2022 2 0%
2023 2 -100%
2023 2 50%
2024 2 -100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

PCB Bancorp Free Cashflow
Year Free Cashflow Growth
2003 -1.665.680
2004 407.697 508.56%
2005 2.698.972 84.89%
2006 3.926.123 31.26%
2007 2.940.002 -33.54%
2008 3.541.648 16.99%
2009 13.598.759 73.96%
2010 175.837 -7633.73%
2011 26.994.859 99.35%
2012 9.405.314 -187.02%
2013 26.178.495 64.07%
2014 17.318.000 -51.16%
2015 54.448.000 68.19%
2016 38.855.000 -40.13%
2017 23.962.000 -62.15%
2018 33.940.000 29.4%
2019 29.410.000 -15.4%
2020 15.307.000 -92.13%
2021 -2.047.000 847.78%
2022 51.814.000 103.95%
2023 43.646.000 -18.71%
2023 0 0%
2024 11.560.000 100%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

PCB Bancorp Operating Cashflow
Year Operating Cashflow Growth
2003 -610.227
2004 485.148 225.78%
2005 2.871.680 83.11%
2006 6.206.894 53.73%
2007 5.368.150 -15.62%
2008 3.737.010 -43.65%
2009 13.748.382 72.82%
2010 385.987 -3461.88%
2011 27.198.260 98.58%
2012 9.717.684 -179.88%
2013 27.785.566 65.03%
2014 17.965.000 -54.66%
2015 56.844.000 68.4%
2016 40.836.000 -39.2%
2017 25.243.000 -61.77%
2018 35.080.000 28.04%
2019 30.120.000 -16.47%
2020 17.091.000 -76.23%
2021 -1.617.000 1156.96%
2022 57.267.000 102.82%
2023 44.961.000 -27.37%
2023 0 0%
2024 13.340.000 100%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

PCB Bancorp Capital Expenditure
Year Capital Expenditure Growth
2003 1.055.453
2004 77.451 -1262.74%
2005 172.708 55.15%
2006 2.280.771 92.43%
2007 2.428.148 6.07%
2008 195.362 -1142.9%
2009 149.623 -30.57%
2010 210.150 28.8%
2011 203.401 -3.32%
2012 312.370 34.88%
2013 1.607.071 80.56%
2014 647.000 -148.39%
2015 2.396.000 73%
2016 1.981.000 -20.95%
2017 1.281.000 -54.64%
2018 1.140.000 -12.37%
2019 710.000 -60.56%
2020 1.784.000 60.2%
2021 430.000 -314.88%
2022 5.453.000 92.11%
2023 1.315.000 -314.68%
2023 0 0%
2024 1.780.000 100%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

PCB Bancorp Equity
Year Equity Growth
2003 15.878.498
2004 16.954.208 6.34%
2005 32.331.510 47.56%
2006 35.544.431 9.04%
2007 38.317.687 7.24%
2008 63.370.586 39.53%
2009 52.315.362 -21.13%
2010 54.326.848 3.7%
2011 58.334.141 6.87%
2012 65.593.958 11.07%
2013 76.545.373 14.31%
2014 86.425.000 11.43%
2015 98.040.000 11.85%
2016 127.007.000 22.81%
2017 142.184.000 10.67%
2018 210.296.000 32.39%
2019 226.834.000 7.29%
2020 233.788.000 2.97%
2021 256.286.000 8.78%
2022 335.442.000 23.6%
2023 341.852.000 1.88%
2023 348.872.000 2.01%
2024 353.469.000 1.3%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

PCB Bancorp Assets
Year Assets Growth
2003 53.144.745
2004 122.324.682 56.55%
2005 270.677.464 54.81%
2006 388.566.521 30.34%
2007 507.162.269 23.38%
2008 581.028.782 12.71%
2009 536.946.969 -8.21%
2010 538.225.124 0.24%
2011 546.046.820 1.43%
2012 610.839.643 10.61%
2013 755.909.611 19.19%
2014 893.960.000 15.44%
2015 1.042.517.000 14.25%
2016 1.226.642.000 15.01%
2017 1.441.999.000 14.93%
2018 1.697.028.000 15.03%
2019 1.746.328.000 2.82%
2020 1.922.853.000 9.18%
2021 2.149.735.000 10.55%
2022 2.420.036.000 11.17%
2023 2.567.974.000 5.76%
2023 2.809.069.000 8.58%
2024 2.852.964.000 1.54%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

PCB Bancorp Liabilities
Year Liabilities Growth
2003 270.145
2004 386.885 30.17%
2005 1.600.107 75.82%
2006 3.697.079 56.72%
2007 0 0%
2008 9.500.000 100%
2009 3.122.500 -204.24%
2010 483.898.276 99.35%
2011 487.712.679 0.78%
2012 545.245.685 10.55%
2013 679.364.238 19.74%
2014 4.707.000 -14333.06%
2015 5.038.000 6.57%
2016 7.823.000 35.6%
2017 1.299.815.000 99.4%
2018 1.486.732.000 12.57%
2019 1.519.494.000 2.16%
2020 1.689.065.000 10.04%
2021 1.893.449.000 10.79%
2022 2.084.594.000 9.17%
2023 5.852.000 -35521.91%
2023 2.460.197.000 99.76%
2024 2.499.495.000 1.57%

PCB Bancorp Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
11.4
Net Income per Share
1.68
Price to Earning Ratio
10.61x
Price To Sales Ratio
1.56x
POCF Ratio
6.84
PFCF Ratio
7.83
Price to Book Ratio
0.72
EV to Sales
0.81
EV Over EBITDA
13.35
EV to Operating CashFlow
3.54
EV to FreeCashFlow
4.05
Earnings Yield
0.09
FreeCashFlow Yield
0.13
Market Cap
0,25 Bil.
Enterprise Value
0,13 Bil.
Graham Number
30.62
Graham NetNet
-158.74

Income Statement Metrics

Net Income per Share
1.68
Income Quality
1.56
ROE
0.07
Return On Assets
0.01
Return On Capital Employed
0.16
Net Income per EBT
0.71
EBT Per Ebit
0.52
Ebit per Revenue
0.4
Effective Tax Rate
0.29

Margins

Sales, General, & Administrative to Revenue
0.22
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.4
Pretax Profit Margin
0.21
Net Profit Margin
0.15

Dividends

Dividend Yield
0.04
Dividend Yield %
4.04
Payout Ratio
0.43
Dividend Per Share
0.72

Operating Metrics

Operating Cashflow per Share
2.61
Free CashFlow per Share
2.28
Capex to Operating CashFlow
0.13
Capex to Revenue
0.03
Capex to Depreciation
2.17
Return on Invested Capital
0.1
Return on Tangible Assets
0.01
Days Sales Outstanding
23.53
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
15.51
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.33

Balance Sheet

Cash per Share
22,87
Book Value per Share
24,83
Tangible Book Value per Share
24.39
Shareholders Equity per Share
24.83
Interest Debt per Share
10.61
Debt to Equity
0.25
Debt to Assets
0.03
Net Debt to EBITDA
-12.49
Current Ratio
0.08
Tangible Asset Value
0,35 Bil.
Net Current Asset Value
-2,31 Bil.
Invested Capital
-2232249000
Working Capital
-2,26 Bil.
Intangibles to Total Assets
0
Average Receivables
0,01 Bil.
Average Payables
0,02 Bil.
Average Inventory
-219139500
Debt to Market Cap
0.35

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

PCB Bancorp Dividends
Year Dividends Growth
2018 0
2019 0 0%
2020 0 0%
2021 0 0%
2022 1 0%
2023 1 0%
2024 1 0%

PCB Bancorp Profile

About PCB Bancorp

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, savings, money market, and time deposits, as well as certificates of deposit; and remote deposit capture, courier deposit services, positive pay services, zero balance accounts, and sweep accounts. It also provides real estate loans, including commercial and residential, Small Business Administration (SBA) property, and construction loans; commercial and industrial loans, such as commercial term and lines of credit, SBA commercial term, and SBA Paycheck Protection Program loans; and other consumer loans comprising automobile secured loans and personal loans. In addition, the company offers access to account balances, online transfers, and online bill payment and electronic delivery of customer statements; and mobile banking solutions that include remote check deposit and mobile bill pay. Further, it provides automated teller machines; and banking by telephone, mail, personal appointment, debit cards, direct deposit, and cashier's checks, as well as treasury management, wire transfer, and automated clearing house services. The company operates through a network of 11 full-service branches in Los Angeles and Orange counties, California; and one full-service branch in each of Englewood Cliffs, New Jersey, and Bayside, New York. It also operates 10 loan production offices in Irvine, Artesia, and Los Angeles, California; Annandale, Virginia; Atlanta, Georgia; Chicago, Illinois; Bellevue, Washington; Aurora, Colorado; Carrollton, Texas; and New York, New York. The company was formerly known as Pacific City Financial Corporation and changed its name to PCB Bancorp in July 2019. PCB Bancorp was founded in 2003 and is headquartered in Los Angeles, California.

CEO
Mr. Henry Kim
Employee
265
Address
3701 Wilshire Boulevard
Los Angeles, 90010-2871

PCB Bancorp Executives & BODs

PCB Bancorp Executives & BODs
# Name Age
1 Hee Lee Joon
Senior Vice President & Manager of Consumer Loan Department
70
2 Joanne Kim
Senior Vice President and Branch Manager of Buena Park & Fullerton Branch
70
3 Thomas Kim
Senior Vice President & Downtown Regional Manager of Downtown Fashion District
70
4 Mr. Henry Kim
President, Chief Executive Officer & Director
70
5 Soo Yim Kyoung
Senior Vice President & Branch Manager of Irvine
70
6 Hoon Jang Young
Senior Vice President & Branch Manager of Western
70
7 John Aragon
Executive Vice President & Chief Information Officer
70
8 Mr. David W. Kim J.D.
Executive Vice President & Chief Banking Officer
70
9 Ms. Ho Lee Yeon
Senior Vice President & Branch Manager of Olympic
70
10 Mr. Timothy T. Chang CPA
Executive Vice President & Chief Financial Officer
70

PCB Bancorp Competitors