PCB
PCB BancorpFinancial Services·Banks - Regional
$24.57
$350M market cap
Revenue
$104.6M
Free Cash Flow
$21.0M
Rev Growth
+0.0%
FCF Margin
20.1%
P/FCF
16.6x
EV/FCF
18.7x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
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. The company offers demand, savings, money market, and time deposits, as well as certificates of deposit; and remote deposit capture, courier deposit services, positive pay services, zero balance accounts, and sweep accounts. It also provides real estate loans, including commercial and
2-Year Price History
$24.54+76.7%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 52.2 | 14.9 | 14.9 | 10.7 | 20.7 | 20.7 | -0.0 | 24.8 | 68.3 | 14.2 | 21.3% | 0.7x | -- |
| Act | 2025-Q4 | 52.4 | 13.1 | 13.1 | 9.2 | 2.9 | 0.4 | -2.6 | 367.2 | 53.0 | 14.2 | 20.6% | 0.6x | -- |
Valuation & Metrics
Market Stats
Price$24.57
Market Cap$350M
Enterprise Value$393M
P/S Ratio3.3x
P/FCF16.6x
EV/FCF18.7x
FCF Margin (TTM)20.1%
FCF Yield6.0%
Dividend Yield (TTM)4.2%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$104.6M
Net Income$19.9M
Free Cash Flow$21.0M
Revenue Growth (YoY)+0.0%
EBITDA Margin26.8%
Net Margin19.0%
FCF Margin20.1%
CapEx % of Revenue2.5%
SBC % of Revenue-0.7%
ROIC20.9%
WC Change % Rev-0.3%
Interest Coverage0.6x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.1M
Days to Cover4.8
Change (vs Prior)+0.6%
Need at least 2 settlement dates for chart
Employees
Headcount257
Revenue / Employee$407,062
Gross Profit / Employee$225,156
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
19.4%(+4.1% YoY)
80 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
17.0%(+3.4% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.0%(-0.2% YoY)
2 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| BlackRock, Inc.Passive | $17.8M | $17.62 | −$182K | −$1.7M | -0.2% | $5.69T |
| DIMENSIONAL FUND ADVISORS LPPassive | $13.7M | $16.23 | +$475K | +$1.9M | -0.4% | $480.92B |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $12.3M | $22.29 | +$12.2M | +$12.3M | — | $4.04T |
| Rhino Investment Partners, Inc | $9.6M | $18.75 | +$11K | −$3.1M | -0.4% | $359M |
| LSV ASSET MANAGEMENT | $9.2M | $15.51 | −$444K | −$2.3M | +0.0% | $46.40B |
| ACADIAN ASSET MANAGEMENT LLC | $6.4M | $16.93 | +$0 | +$290K | -0.5% | $70.48B |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $5.8M | $15.93 | −$100K | −$135K | +2.3% | $1.61T |
| STATE STREET CORPPassive | $4.7M | $16.58 | −$8K | +$731K | -0.2% | $2.89T |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3.5M | $15.97 | +$56K | +$388K | -2.3% | $4.93B |
| MALTESE CAPITAL MANAGEMENT LLC | $3.4M | $19.97 | +$1.2M | +$900K | -0.7% | $508M |
| AMERICAN CENTURY COMPANIES INC | $2.8M | $16.95 | −$5K | +$650K | +0.7% | $193.48B |
| NORTHERN TRUST CORPPassive | $2.6M | $17.46 | +$30K | +$661K | -0.2% | $755.34B |
| GOLDMAN SACHS GROUP INC | $2.4M | $17.57 | −$434K | −$2.0M | -0.2% | $760.93B |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $2.3M | $18.11 | +$0 | +$121K | +0.1% | $184.72B |
| Hillsdale Investment Management Inc. | $2.2M | $20.97 | −$45K | +$2.2M | +0.3% | $3.68B |
| SEGALL BRYANT & HAMILL, LLC | $2.1M | $20.21 | −$4K | +$2.1M | -0.1% | $8.06B |
| ALLIANCEBERNSTEIN L.P. | $2.0M | $15.56 | +$0 | −$255K | -0.3% | $307.70B |
| Connor, Clark & Lunn Investment Management Ltd. | $2.0M | $19.29 | +$4K | +$773K | +0.6% | $43.38B |
| MORGAN STANLEY | $1.9M | $17.58 | +$387K | +$486K | -0.3% | $1.65T |
| Empowered Funds, LLC | $1.8M | $16.01 | +$43K | +$458K | +0.2% | $15.64B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
-0.23%
avg per quarter
Holders (ex-self)
-0.23%
excl. this stock
Buyers (this Q)
-0.32%
36 buyers · $0.02B in
Sellers (this Q)
-0.29%
36 sellers · $0.00B out
alpha coverage: 88% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
+31.0%
how holders react when this stock falls
On quiet Qs
-4.9%
−10% to +10% baseline
On rallies (+10%+)
-20.1%
how they react when this stock rises
Holders' portfolio flow this Q
+2.8%
inflows — adds are organic
Sellers' portfolio flow this Q
+20.9%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-6.0%
Holder mid (any stock)
-5.4%
Holder rally (any stock)
-6.1%
Biggest decreases this quarter
CITADEL ADVISORS LLCexited−$474KLSV ASSET MANAGEMENT−$444Kα+0.0GOLDMAN SACHS GROUP INC−$434Kα-0.2Diversify Advisory Services, LLCexited−$256KAbacus Wealth Partners, LLCexited−$251KBlackRock, Inc.−$182Kα-0.2State of Tennessee, Treasury Departmentexited−$151KGEODE CAPITAL MANAGEMENT, LLC−$100Kα+2.3Hillsdale Investment Management Inc.−$45Kα+0.3AQR CAPITAL MANAGEMENT LLC−$44Kα-0.2
New buyers this quarter
Top-5 holders · 48.8%
BlackRock, Inc.--
DIMENSIONAL FUND ADVISORS LP--
VANGUARD CAPITAL MANAGEMENT LLC--
Rhino Investment Partners, Inc--
LSV ASSET MANAGEMENT--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
EJF Capital LLC—Rhino Investment Partners, Inc426KBASSWOOD CAPITAL MANAGEMENT, L.L.C.—MORGAN STANLEY86KLSV ASSET MANAGEMENT409KRussell Investments Group, Ltd.1KWELLINGTON MANAGEMENT GROUP LLP—ACADIAN ASSET MANAGEMENT LLC284KHOTCHKIS & WILEY CAPITAL MANAGEMENT LLC—MILLENNIUM MANAGEMENT LLC21K
Analyst Coverage
Analyst Coverage
Price Targets
Last Quarter (1 analysts)$26.00580.0%
Last Year (2 analysts)$25.00180.0%
Current Price$24.57
Analyst Ratings
1
4
Buy: 1Hold: 4Consensus: Hold
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$201K
1 txn · 1 insider · 10,000 sh
Sells ($, 12mo)
$0
0 txns · 0 insiders · 0 sh
Major holders (≥10% beneficial owners)
Buys ($, 12mo)
$1.10M
9 txns · 1 insider · 50,541 sh
Sells ($, 12mo)
$0
0 txns · 0 insiders · 0 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-03-06 | BUY | LEE SANG YOUNG | director, 10 percent owner: | 1,090 | $21.75 | $24K | $34.83M |
| 2026-03-05 | BUY | LEE SANG YOUNG | director, 10 percent owner: | 7,500 | $22.25 | $167K | $35.61M |
| 2026-03-04 | BUY | LEE SANG YOUNG | director, 10 percent owner: | 2,000 | $22.75 | $46K | $36.24M |
| 2026-03-03 | BUY | LEE SANG YOUNG | director, 10 percent owner: | 92 | $22.00 | $2K | $35.00M |
| 2026-02-27 | BUY | LEE SANG YOUNG | director, 10 percent owner: | 3,027 | $22.43 | $68K | $35.68M |
| 2026-02-23 | BUY | LEE SANG YOUNG | director, 10 percent owner: | 5,000 | $22.48 | $112K | $35.69M |
| 2025-08-21 | BUY | LEE SANG YOUNG | director, 10 percent owner: | 13,400 | $21.55 | $289K | $34.11M |
| 2025-08-20 | BUY | LEE SANG YOUNG | director, 10 percent owner: | 232 | $21.60 | $5K | $33.90M |
| 2025-08-01 | BUY | RHEE DON | director | 10,000 | $20.13 | $201K | $8.44M |
| 2025-07-29 | BUY | LEE SANG YOUNG | director, 10 percent owner: | 18,200 | $21.45 | $390K | $33.66M |
Order Flow (FINRA, ~3w lag)
24.2%retail-5.9pp
8.1%dark-1.2pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
PCB BANCORP: Mature Entity Profile with Limited Disclosure Granularity
Overall Risk
3/10
Fraud
1/10
Dilution
1/10
Insolvency
2/10
Earnings Overstated
1/10
Hidden Liabilities
1/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10