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Upturn AI SWOT - About
PCB 
PCB Bancorp (PCB)
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Upturn Advisory Summary
09/12/2025: 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 45.46% | Avg. Invested days 61 | 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 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 308.37M USD | Price to earnings Ratio 10.04 | 1Y Target Price 23 |
Price to earnings Ratio 10.04 | 1Y Target Price 23 | ||
Volume (30-day avg) 3 | Beta 0.6 | 52 Weeks Range 15.69 - 22.45 | Updated Date 09/13/2025 |
52 Weeks Range 15.69 - 22.45 | Updated Date 09/13/2025 | ||
Dividends yield (FY) 3.48% | 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 10.04 | Forward PE - | Enterprise Value 176146944 | Price to Sales(TTM) 3.02 |
Enterprise Value 176146944 | Price to Sales(TTM) 3.02 | ||
Enterprise Value to Revenue 4.11 | Enterprise Value to EBITDA - | Shares Outstanding 14349600 | Shares Floating 10974576 |
Shares Outstanding 14349600 | Shares Floating 10974576 | ||
Percent Insiders 25.19 | Percent Institutions 41.15 |
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, expanding through organic growth and strategic acquisitions. It has since expanded its footprint and service offerings.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, including term loans, lines of credit, and SBA loans, catering to small and medium-sized businesses.
- Retail Banking: Provides deposit accounts, personal loans, and other retail banking services to individuals and families.
- Real Estate Lending: Focuses on commercial real estate loans, including multi-family and commercial properties.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives responsible for overseeing the bank's operations and strategy. The organizational structure is typical of a community bank, with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offer various commercial loan products, for small to medium sized businesses. Competitors include other local and regional banks, and national banks with a local presence. Specific market share data is difficult to obtain but PCB Bancorp maintains a sigificant presence in the markets it serves
- SBA Loans: Provides SBA loan programs. Competitors include other banks with active SBA lending programs. Specific market share data is difficult to obtain but PCB Bancorp is an active participant in SBA lending.
Market Dynamics
Industry Overview
The banking industry is characterized by increasing regulatory scrutiny, low interest rates, and increasing competition from fintech companies. Community banks face the challenge of maintaining profitability while providing personalized service.
Positioning
PCB Bancorp positions itself as a community-focused bank with expertise in serving the Korean-American community and small businesses. Its competitive advantages include its local market knowledge and strong customer relationships.
Total Addressable Market (TAM)
The TAM for commercial banking in Southern California is substantial, with significant opportunities within the Korean-American business community. PCB Bancorp is well-positioned to capture a portion of this market through its targeted services and cultural understanding.
Upturn SWOT Analysis
Strengths
- Strong presence in the Korean-American community
- Experienced management team
- Solid asset quality
- Strong relationships with customers
Weaknesses
- Geographic concentration in Southern California
- Limited brand recognition outside of its core market
- Reliance on commercial real estate lending
- Higher cost of deposits compared to larger banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Strategic acquisitions
- Growing demand for SBA loans
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates
- Economic slowdown
- Regulatory changes
Competitors and Market Share
Key Competitors
- CASH
- FFBC
- UMPQ
Competitive Landscape
PCB Bancorp competes with other regional banks and national banks that have branches in Southern California. Its strength is its focus on the Korean-American community, while its weakness is its limited geographic diversity.
Growth Trajectory and Initiatives
Historical Growth: Historical Growth to follow requires manual update.
Future Projections: Future Projections to follow requires manual update.
Recent Initiatives: Recent Initiatives to follow requires manual update.
Summary
PCB Bancorp focuses on the Korean-American community, providing both commercial and retail banking services in Southern California. While the company maintains healthy financials and experiences strong growth, it faces increasing competition from larger institutions and online alternatives. Geographic concentration presents both opportunities and limitations and while solid, PCB Bancorp is still susceptible to economic downturns in its primary markets. Strategic initiatives and market expansion would help the company scale in the future.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- SEC filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Data is based on publicly available information and may not be entirely accurate or up-to-date. Investment decisions should be made based on thorough research and consultation with a financial advisor.
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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