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Upturn AI SWOT - About
PCB 
PCB Bancorp (PCB)
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Upturn Advisory Summary
10/13/2025: PCB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $23.25
1 Year Target Price $23.25
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 40.79% | Avg. Invested days 63 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/13/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 288.14M USD | Price to earnings Ratio 9.38 | 1Y Target Price 23.25 |
Price to earnings Ratio 9.38 | 1Y Target Price 23.25 | ||
Volume (30-day avg) 3 | Beta 0.56 | 52 Weeks Range 15.69 - 22.45 | Updated Date 10/13/2025 |
52 Weeks Range 15.69 - 22.45 | Updated Date 10/13/2025 | ||
Dividends yield (FY) 3.83% | Basic EPS (TTM) 2.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.95% | Operating Margin (TTM) 46.38% |
Management Effectiveness
Return on Assets (TTM) 1.03% | Return on Equity (TTM) 8.67% |
Valuation
Trailing PE 9.38 | Forward PE - | Enterprise Value 156074880 | Price to Sales(TTM) 2.82 |
Enterprise Value 156074880 | Price to Sales(TTM) 2.82 | ||
Enterprise Value to Revenue 3.98 | Enterprise Value to EBITDA - | Shares Outstanding 14349602 | Shares Floating 10974576 |
Shares Outstanding 14349602 | Shares Floating 10974576 | ||
Percent Insiders 25.19 | Percent Institutions 41.25 |
Upturn AI SWOT
PCB Bancorp
Company Overview
History and Background
PCB Bancorp, formerly Pacific City Bank, was founded in 2003. It primarily serves the Korean-American community in Southern California. The bank has focused on organic growth and strategic expansions to serve a broader market.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products including commercial real estate loans, small business loans, and lines of credit.
- Retail Banking: Provides deposit accounts, including checking, savings, and money market accounts to individuals and businesses.
- SBA Lending: Specializes in Small Business Administration (SBA) loans to support small business growth.
Leadership and Structure
Henry Kim serves as the CEO and President. The organizational structure includes various departments such as lending, operations, and finance, overseen by senior management and a board of directors.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, a significant revenue generator. Market share data specific to CRE loans in their target market is unavailable but they are a strong regional player. Competitors include Hanmi Financial (HAFC), Hope Bancorp (HOPE).
- SBA Loans: Government-guaranteed loans for small businesses. Precise market share data is difficult to obtain; they are a consistent SBA lender. Competitors include Live Oak Bancshares (LOB), NewtekOne (NEWT).
- Small Business Loans: Conventional loans to small businesses in the southern California region. Competitors include Hanmi Financial (HAFC), Hope Bancorp (HOPE).
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and economic conditions. The industry is influenced by interest rates, loan demand, and credit quality.
Positioning
PCB Bancorp focuses on the Korean-American community and small to medium-sized businesses, providing personalized service and tailored financial solutions. This specialization provides a competitive advantage in their target market.
Total Addressable Market (TAM)
The TAM for commercial banking in Southern California is estimated to be in the tens of billions of dollars. PCB Bancorp is positioned to capture a share of this market through its specialized services and community focus.
Upturn SWOT Analysis
Strengths
- Strong presence in the Korean-American community
- Experienced management team
- Solid credit quality
- Consistent profitability
Weaknesses
- Geographic concentration in Southern California
- Smaller size compared to larger regional and national banks
- Reliance on specific niche markets
- Limited product diversification
Opportunities
- Expansion into new markets and communities
- Growth in SBA lending
- Adoption of new technologies to improve efficiency
- Strategic acquisitions
Threats
- Increased competition from larger banks
- Economic downturn affecting loan demand and credit quality
- Changes in regulations
- Rising interest rates impacting profitability
Competitors and Market Share
Key Competitors
- HAFC
- HOPE
- CUBI
- FFWM
Competitive Landscape
PCB Bancorp competes with larger regional and national banks, as well as other community banks. Its strengths lie in its focus on the Korean-American community and personalized service, while its weaknesses include its smaller size and geographic concentration.
Growth Trajectory and Initiatives
Historical Growth: PCB Bancorp has demonstrated steady growth over the past years, driven by loan growth and expansion in its target markets.
Future Projections: Future projections depend on many factors, including economic conditions, and analyst reports should be consulted.
Recent Initiatives: Recent initiatives may include branch expansions, technology upgrades, and new product offerings.
Summary
PCB Bancorp is a community bank with a strong presence in the Korean-American community. It has experienced steady growth, but its smaller size and geographic concentration pose challenges. The bank's focus on personalized service and strategic initiatives positions it for continued growth, but economic conditions and competitive pressures must be considered. The company is growing at a steady pace in a market where the demand continues to be high.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data are estimates and subject to change. Financial performance should be verified with official company reports.
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 266 | Website https://www.mypcbbank.com |
Full time employees 266 | 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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