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Upturn AI SWOT - About
PCB 
PCB Bancorp (PCB)
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Upturn Advisory Summary
06/27/2025: PCB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
3 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Year Target Price $22
Year Target Price $22
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 39.88% | Avg. Invested days 51 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 299.35M USD | Price to earnings Ratio 10.78 | 1Y Target Price 22.5 |
Price to earnings Ratio 10.78 | 1Y Target Price 22.5 | ||
Volume (30-day avg) - | Beta 0.53 | 52 Weeks Range 14.31 - 21.76 | Updated Date 06/29/2025 |
52 Weeks Range 14.31 - 21.76 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.83% | Basic EPS (TTM) 1.94 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.23% | Operating Margin (TTM) 44.01% |
Management Effectiveness
Return on Assets (TTM) 0.95% | Return on Equity (TTM) 7.63% |
Valuation
Trailing PE 10.78 | Forward PE - | Enterprise Value 165442160 | Price to Sales(TTM) 3.03 |
Enterprise Value 165442160 | Price to Sales(TTM) 3.03 | ||
Enterprise Value to Revenue 4.07 | Enterprise Value to EBITDA - | Shares Outstanding 14309200 | Shares Floating 10624772 |
Shares Outstanding 14309200 | Shares Floating 10624772 | ||
Percent Insiders 25.17 | Percent Institutions 39.1 |
Analyst Ratings
Rating 3 | Target Price 22 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
PCB Bancorp
Company Overview
History and Background
PCB Bancorp, formerly Pacific City Bank, was founded in 2003 to serve the Korean-American community in Southern California. It has grown through organic expansion and acquisitions, focusing on small businesses and individuals.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products, including SBA loans, commercial real estate loans, and working capital lines of credit.
- Retail Banking: Offers deposit accounts, personal loans, and other retail banking services to individuals.
- International Banking: Provides trade finance and other international banking services to businesses engaged in cross-border trade.
Leadership and Structure
The company is led by Henry Kim, President & CEO. It has a board of directors overseeing the management team. The organizational structure is typical of a community bank, with departments for lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: CRE loans are a significant portion of PCB Bancorp's portfolio. While specific market share data isn't publicly available at the product level, PCB competes with other regional and national banks such as Bank of America (BAC) and Wells Fargo (WFC).
- SBA Loans: PCB Bancorp is an active SBA lender, supporting small businesses. Market share data for specific SBA loan programs is limited. Competitors include Live Oak Bancshares (LOB) and Byline Bancorp (BY).
- Demand Deposit Accounts: PCB Bancorp offers checking accounts and savings accounts for businesses and individuals. The specific market share data for deposit accounts is limited. Competitors include Chase (JPM), and Hanmi Financial Corporation (HAFC).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, regulatory scrutiny, and competition from fintech companies. Consolidation is also a trend.
Positioning
PCB Bancorp is a community bank focused on serving the Korean-American community and small businesses in Southern California. Its competitive advantages include its strong relationships with its target market and its expertise in commercial lending.
Total Addressable Market (TAM)
The TAM for community banking in Southern California is substantial, estimated to be in the billions of dollars annually. PCB Bancorp has a relatively small share of this market, offering significant growth potential.
Upturn SWOT Analysis
Strengths
- Strong relationships with Korean-American community
- Expertise in commercial lending
- Experienced management team
- Healthy asset quality
Weaknesses
- Limited geographic diversification
- Reliance on commercial real estate lending
- Higher cost of deposits compared to larger banks
- Smaller scale compared to national banks
Opportunities
- Expansion into new markets with Korean-American populations
- Increased demand for SBA loans
- Growing demand for digital banking services
- Potential acquisitions of other community banks
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- HAFC
- CBB
- EAST
Competitive Landscape
PCB Bancorp faces competition from other community banks, regional banks, and national banks. Its advantages include its focus on the Korean-American community and its expertise in commercial lending. Its disadvantages include its smaller scale and limited geographic diversification.
Growth Trajectory and Initiatives
Historical Growth: Financial data is not available to be inserted for a more accurate output. Data would include PCB Bancorp's growth trends over the past years.
Future Projections: Financial data is not available to be inserted for a more accurate output. Data would include analyst estimates for PCB Bancorp's future growth based on analyst estimates.
Recent Initiatives: Recent initiatives may include investments in technology to enhance digital banking services, expansion of the lending team to increase loan origination volume, and marketing efforts to attract new customers.
Summary
PCB Bancorp is a community bank focused on the Korean-American community. It has a strong lending portfolio and experienced management. Challenges include competition and economic conditions. It needs to diversify its products and expand geographically to solidify its market position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, press releases, industry reports, analyst estimates.
Disclaimers:
The information provided is for informational purposes only and should not be construed as investment advice. Market share data is based on estimates and may not be precise. Financial data may be unavailable.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About PCB Bancorp
Exchange NASDAQ | Headquaters Los Angeles, CA, United States | ||
IPO Launch date 2014-06-04 | President, CEO & Director Mr. Henry Kim | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 257 | Website https://www.mypcbbank.com |
Full time employees 257 | Website https://www.mypcbbank.com | ||
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. 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) property, multifamily, and construction loans; commercial and industrial loans, such as commercial term and lines of credit, and SBA commercial term, trade finance, and mortgage warehouse; consumer loans comprising residential mortgage; 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; 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 full-service branches in Los Angeles and Orange Counties, California; Bayside, New York; Englewood Cliffs and Palisades Park, New Jersey; and Carrollton and Dallas, Texas. It also operates loan production offices in Los Angeles and Orange Counties, California; Bellevue, Washington; and Atlanta, Georgia. 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.
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