Stocktoria
PCB BANCORP PCB
PCB BANCORP (PCB) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 2.87% (safety: safe). FY2025 revenue was $2.9M at a 1291.9% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| PCB | PCB BANCORP | 4/9 | — | 10.7 | — |
| BWFG | Bankwell Financial Group, Inc. | 4/9 | — | 13.5 | — |
| OPBK | OP Bancorp | 4/9 | — | 8.9 | — |
| NWPP | NEW PEOPLES BANKSHARES INC | 5/9 | — | 9.9 | — |
| COSO | CoastalSouth Bancshares, Inc. | 4/9 | — | 13.1 | — |
| FVCB | FVCBankcorp, Inc. | 6/9 | — | 14.3 | — |
| BOTJ | BANK OF THE JAMES FINANCIAL GROUP INC | 6/9 | — | 12.3 | — |
All Finance, Insurance & Real Estate companies →
About PCB BANCORP
PCB Bancorp operates as the bank holding company for PCB Bank that provides various banking products and services to small and middle market businesses and individuals in the United States. The company offers demand, savings, money market, time deposits, and certificates of deposit; and remote deposit capture, courier deposit and positive pay services, zero balance accounts, and sweep accounts. It also provides real estate loans, including commercial and residential, small business administration (SBA), multifamily, business property, and construction loans; commercial and industrial loans, such as commercial term and lines of credit, and SBA commercial term, trade finance, home, and mortgage warehouse; consumer loans comprising residential mortgage and other consumer loans; and automobile loans, unsecured lines of credit, and term loans. In addition, the company offers access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; and mobile banking solutions, including remote check deposit and mobile bill pay. Further, it provides automated teller machines; cash management, debit and credit card, and online and mobile banking; 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. It operates through full-service branches and loan production offices. 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.
FAQ
Is PCB financially healthy?
PCB BANCORP's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does PCB pay a dividend, and is it safe?
Yes. PCB BANCORP pays a dividend yielding about 2.87% with a 30.6% payout ratio, rated “safe” for safety.
How profitable is PCB?
In FY2025, PCB BANCORP had a net margin of 1291.9% and a return on equity of 9.6%.
Is PCB overvalued or undervalued?
PCB BANCORP trades at about 10.9× trailing earnings — near its 10-year norm (10-year range 7.9×–11.4×, median 10.0×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for PCB?
The average Wall-Street price target for PCB BANCORP is $27.00, about 4.0% below the recent price, from 2 analysts (consensus: hold).
Is PCB a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on PCB BANCORP: a Piotroski F-score of 4/9, a P/E of about 10.7×, a dividend yield of 2.87%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.