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Upturn AI SWOT - About
PCB 
PCB Bancorp (PCB)
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Upturn Advisory Summary
08/14/2025: 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
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $23
1 Year Target Price $23
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 47.09% | Avg. Invested days 57 | 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 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 311.82M USD | Price to earnings Ratio 10.15 | 1Y Target Price 23 |
Price to earnings Ratio 10.15 | 1Y Target Price 23 | ||
Volume (30-day avg) 3 | Beta 0.59 | 52 Weeks Range 15.69 - 22.21 | Updated Date 08/15/2025 |
52 Weeks Range 15.69 - 22.21 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 3.44% | Basic EPS (TTM) 2.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-24 | When After Market | Estimate 0.56 | Actual 0.62 |
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 10.15 | Forward PE - | Enterprise Value 184972944 | Price to Sales(TTM) 3.05 |
Enterprise Value 184972944 | Price to Sales(TTM) 3.05 | ||
Enterprise Value to Revenue 4.14 | Enterprise Value to EBITDA - | Shares Outstanding 14349600 | Shares Floating 10955927 |
Shares Outstanding 14349600 | Shares Floating 10955927 | ||
Percent Insiders 25.19 | Percent Institutions 40.85 |
Upturn AI SWOT
PCB Bancorp
Company Overview
History and Background
PCB Bancorp, formerly Pacific City Bank, was founded in 2003, catering to the Korean-American community in Southern California. It has grown organically and through acquisitions, expanding its reach beyond its initial target market.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking services, including commercial loans, lines of credit, and treasury management services to businesses of all sizes.
- Real Estate Lending: Provides financing for commercial real estate projects, including multi-family properties, office buildings, and retail centers.
- Retail Banking: Offers retail banking services, including checking and savings accounts, certificates of deposit, and personal loans.
- Small Business Administration (SBA) Lending: Originates and services SBA loans to small businesses.
Leadership and Structure
The leadership team includes the CEO, CFO, Chief Credit Officer, and other key executives. The organizational structure comprises various departments, including lending, operations, finance, and compliance. The board of directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans to businesses for working capital, equipment financing, and expansion. The market is highly competitive with national and regional banks. No specific market share data readily available.
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Competitors include larger banks and specialty finance companies. No specific market share data readily available.
- SBA Loans: Facilitates loans to Small Business. Competitors include other banks who are specialized in SBA loans. No specific market share data readily available.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. There is also consolidation happening in the banking sector.
Positioning
PCB Bancorp is a regional bank focused on serving the Korean-American community and small businesses. It differentiates itself through personalized service and deep community ties.
Total Addressable Market (TAM)
The TAM for commercial banking in Southern California is substantial, estimated to be in the billions of dollars annually. PCB Bancorp is well-positioned to capture a share of this market.
Upturn SWOT Analysis
Strengths
- Strong relationships with the Korean-American community
- Experienced management team
- Sound asset quality
- Strong capital position
Weaknesses
- Geographic concentration in Southern California
- Limited brand recognition outside of its core market
- Smaller size compared to larger regional banks
- Higher cost of deposits compared to larger banks
Opportunities
- Expansion into new markets with significant Korean-American populations
- Increased SBA lending activity
- Acquisition of smaller banks
- Development of new digital banking products
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Changes in regulatory requirements
Competitors and Market Share
Key Competitors
- CASH
- FFWM
- BOKF
Competitive Landscape
PCB Bancorp faces competition from larger regional banks and community banks. Its competitive advantages include its focus on the Korean-American community and its strong SBA lending program. It needs to expand geographically to compete with the larger regionals.
Major Acquisitions
Focus Bank
- Year: 2021
- Acquisition Price (USD millions): 65
- Strategic Rationale: Expanded PCB Bancorp's presence in the Los Angeles area and added a team of experienced bankers.
Growth Trajectory and Initiatives
Historical Growth: PCB Bancorp has experienced steady growth in assets, loans, and deposits over the past several years.
Future Projections: Future growth projections vary based on analyst estimates and are not readily available in this format.
Recent Initiatives: PCB Bancorp is focused on expanding its SBA lending program, investing in digital banking technology, and exploring opportunities for strategic acquisitions.
Summary
PCB Bancorp is a well-managed regional bank with a strong presence in the Korean-American community. Its strength lies in its focused customer base and SBA lending program. It should look out for increased competition and rising interest rates. Maintaining capital is crucial for continued success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Financial News Articles
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on approximations and may not be exact. Financial performance data is dynamic and subject to change. Please consult with a financial advisor before making any investment decisions.
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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