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PCB PCB Bancorp.

Price (delayed)

$20.03

Market cap

$286.61M

P/E Ratio

10.27

Dividend/share

$0.76

EPS

$1.95

Enterprise value

$121.73M

PCB Bancorp operates as the bank holding company for Pacific City Bank that provides various banking products and services to small to medium-sized businesses, individuals, and professionals in Southern California. ...

Highlights
The equity has grown by 16% YoY and by 12% from the previous quarter
PCB's net income is up by 15% year-on-year and by 12% since the previous quarter
The debt rose by 47% since the previous quarter but it has declined by 29% year-on-year
The P/E is 18% more than the 5-year quarterly average of 8.7 but 2.2% less than the last 4 quarters average of 10.5

Key stats

What are the main financial stats of PCB
Market
Shares outstanding
14.31M
Market cap
$286.61M
Enterprise value
$121.73M
Valuations
Price to earnings (P/E)
10.27
Price to book (P/B)
0.71
Price to sales (P/S)
2.9
EV/EBIT
3
EV/EBITDA
2.84
EV/Sales
1.23
Earnings
Revenue
$98.72M
Gross profit
$98.72M
Operating income
$40.58M
Net income
$28.86M
EBIT
$40.58M
EBITDA
$42.84M
Free cash flow
$30.48M
Per share
EPS
$1.95
EPS diluted
$1.95
Free cash flow per share
$2.14
Book value per share
$28.28
Revenue per share
$6.92
TBVPS
$225.19
Balance sheet
Total assets
$3.22B
Total liabilities
$2.81B
Debt
$49.47M
Equity
$406.64M
Working capital
N/A
Liquidity
Debt to equity
0.12
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-3.85
Margins
EBITDA margin
43.4%
Gross margin
100%
Net margin
29.2%
Operating margin
41.1%
Efficiency
Return on assets
0.9%
Return on equity
7.5%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
41.1%
Dividend
Dividend yield
3.79%
DPS
$0.76
Payout ratio
39%

PCB stock price

How has the PCB Bancorp stock price performed over time
Intraday
-0.55%
1 week
3.35%
1 month
-2.96%
1 year
35.34%
YTD
-1.04%
QTD
7.06%

Financial performance

How have PCB Bancorp's revenue and profit performed over time
Revenue
$98.72M
Gross profit
$98.72M
Operating income
$40.58M
Net income
$28.86M
Gross margin
100%
Net margin
29.2%
PCB's net income is up by 15% year-on-year and by 12% since the previous quarter
PCB Bancorp's operating income has increased by 15% YoY and by 12% from the previous quarter
PCB Bancorp's operating margin has increased by 9% YoY and by 9% from the previous quarter
The net margin rose by 9% year-on-year and by 9% since the previous quarter

Price vs fundamentals

How does PCB's price correlate with its fundamentals

Growth

What is PCB Bancorp's growth rate over time

Valuation

What is PCB Bancorp stock price valuation
P/E
10.27
P/B
0.71
P/S
2.9
EV/EBIT
3
EV/EBITDA
2.84
EV/Sales
1.23
The P/E is 18% more than the 5-year quarterly average of 8.7 but 2.2% less than the last 4 quarters average of 10.5
PCB's EPS is up by 11% from the previous quarter and by 11% YoY
The equity has grown by 16% YoY and by 12% from the previous quarter
PCB's P/B is 11% below its 5-year quarterly average of 0.8
PCB's P/S is 7% above its 5-year quarterly average of 2.7 and 7% above its last 4 quarters average of 2.7
The revenue has grown by 5% YoY and by 2.5% from the previous quarter

Efficiency

How efficient is PCB Bancorp business performance
PCB's ROS is up by 9% YoY and by 9% from the previous quarter
PCB's ROIC is up by 8% since the previous quarter
PCB Bancorp's return on equity has increased by 7% QoQ and by 2.7% YoY

Dividends

What is PCB's dividend history
DPS
$0.76
Dividend yield
3.79%
Payout ratio
39%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did PCB Bancorp financials performed over time
PCB Bancorp's total assets is 14% higher than its total liabilities
PCB Bancorp's total assets has increased by 13% YoY and by 5% QoQ
PCB Bancorp's total liabilities has increased by 12% YoY and by 4.2% from the previous quarter
The debt is 88% smaller than the equity
The debt rose by 47% since the previous quarter but it has declined by 29% year-on-year
PCB's debt to equity is down by 40% YoY but it is up by 33% from the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.