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Upturn AI SWOT - About
PCB 
PCB Bancorp (PCB)
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Upturn Advisory Summary
03/25/2025: PCB (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 8.51% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 03/25/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 266.04M USD | Price to earnings Ratio 10.63 | 1Y Target Price 22 |
Price to earnings Ratio 10.63 | 1Y Target Price 22 | ||
Volume (30-day avg) 21662 | Beta 0.64 | 52 Weeks Range 13.81 - 21.98 | Updated Date 04/1/2025 |
52 Weeks Range 13.81 - 21.98 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 4.27% | Basic EPS (TTM) 1.74 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.8% | Operating Margin (TTM) 42.6% |
Management Effectiveness
Return on Assets (TTM) 0.88% | Return on Equity (TTM) 7.24% |
Valuation
Trailing PE 10.63 | Forward PE - | Enterprise Value 167858688 | Price to Sales(TTM) 2.8 |
Enterprise Value 167858688 | Price to Sales(TTM) 2.8 | ||
Enterprise Value to Revenue 3.74 | Enterprise Value to EBITDA - | Shares Outstanding 14380700 | Shares Floating 10976260 |
Shares Outstanding 14380700 | Shares Floating 10976260 | ||
Percent Insiders 24.38 | Percent Institutions 39.85 |
Analyst Ratings
Rating 3 | Target Price 23 | 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. It has grown through organic expansion and strategic acquisitions, focusing on community banking services.
Core Business Areas
- Commercial Banking: Provides a range of lending products, including commercial real estate loans, commercial and industrial loans, and SBA loans, primarily to small and medium-sized businesses.
- Retail Banking: Offers deposit accounts, including checking, savings, and money market accounts, as well as personal loans and other retail banking services to individuals.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure includes various departments such as lending, finance, operations, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, catering to small and medium-sized businesses. Market share data specific to PCB Bancorp is not publicly available, but competitors include other regional and community banks. Competitors include Hanmi Financial Corporation and Bank of Hope.
- SBA Loans: Loans guaranteed by the Small Business Administration, designed to support small business growth. Market share data is limited to broader SBA lending statistics. Competitors include Hanmi Financial Corporation and Bank of Hope.
- Deposit Accounts: Checking, savings, and money market accounts offered to businesses and individuals. No specific market share available; competition is widespread among banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased competition, and regulatory scrutiny. Fintech companies are also disrupting traditional banking models.
Positioning
PCB Bancorp is positioned as a community bank focused on serving the Korean-American community and small to medium-sized businesses. Its competitive advantages include local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for community banking services in Southern California is estimated to be in the tens of billions of dollars. PCB Bancorp is positioned to capture a portion of this market through its targeted approach.
Upturn SWOT Analysis
Strengths
- Strong presence in the Korean-American community
- Experienced management team
- Solid asset quality
- Focus on relationship banking
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on commercial real estate lending
- Brand awareness outside core market
Opportunities
- Expansion into new markets
- Increased demand for SBA loans
- Adoption of new technologies
- Strategic acquisitions
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- HMCO
- HOPE
Competitive Landscape
PCB Bancorp competes with larger regional banks and other community banks. Its competitive advantage lies in its focus on the Korean-American community and personalized service.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: PCB Bancorp has experienced consistent growth in assets, loans, and deposits over the past several years.
Future Projections: Analysts expect continued growth in earnings and assets, driven by organic expansion and strategic initiatives. Revenue estimates for the next year range around $195,000,000.
Recent Initiatives: Recent initiatives include expanding into new markets, investing in technology, and enhancing customer service.
Summary
PCB Bancorp shows financial stability with consistent growth in revenue and net income. Their focus on the Korean-American community provides a niche advantage but also poses concentration risks. They must balance this with geographic diversification. Key risks to monitor include interest rate sensitivity and competition from larger financial institutions.
Similar Companies
- HMCO
- BOKF
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market conditions and company performance can change rapidly. Financial data is approximate and may have a delay.
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 259 | Website https://www.mypcbbank.com |
Full time employees 259 | 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 to medium-sized businesses, individuals, and professionals in Southern California. 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 a network of full-service branches in Los Angeles and Orange counties, California; Carrollton and Dallas, Texas; and Englewood Cliffs and Palisade Park, New Jersey, and Bayside, New York. 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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