Pcb Bancorp - Understand $pcb stock

$PCB Market Cap: $301 Million

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Financial Snapshot

Revenue

$2.046M

TTM

Gross Margin

Net Earnings

$26.85M

TTM

Current Assets

Current Liabilities

$66.68M

Q3 2024

Current Ratio

Total Assets

$2.890B

Q3 2024

Total Liabilities

$2.528B

Q3 2024

Book Value

$362.3M

Q3 2024

Cash

$193.1M

Q3 2024

P/E

11.21

Nov 13, 2024 EST

Free Cash Flow

$28.51M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016
Revenue	$2.650M	$2.642M	$81.47M	$79.76M	$92.95M	$83.70M	$65.27M	$52.60M
YoY Change	0.3%	-96.76%	2.15%	-14.18%	11.05%	28.24%	24.09%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016
Revenue	$2.650M	$2.642M	$81.47M	$79.76M	$92.95M	$83.70M	$65.27M	$52.60M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$2.184M	$1.600M	$1.400M	$1.500M	$1.500M	$1.300M	$1.100M	$1.000M
YoY Change	36.5%	14.29%	-6.67%	0.0%	15.38%	18.18%	10.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016
Interest Expense	$62.67M	$12.12M	$4.335M	$13.57M	$23.91M	$17.95M	$10.10M	$7.014M
YoY Change	417.15%	179.56%	-68.06%	-43.24%	33.2%	77.79%	43.95%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016
Pretax Income	$43.26M	$49.40M	$56.96M	$23.01M	$34.35M	$34.75M	$31.34M	$24.40M
YoY Change	-12.43%	-13.27%	147.53%	-33.01%	-1.13%	10.86%	28.44%
Income Tax	$12.56M	$14.42M	$16.86M	$6.836M	$10.24M	$10.44M	$14.94M	$10.40M
% Of Pretax Income	29.03%	29.18%	29.59%	29.71%	29.82%	30.06%	47.66%	42.62%
Net Earnings	$30.61M	$34.99M	$40.10M	$16.18M	$24.11M	$24.30M	$16.40M	$14.00M
YoY Change	-12.51%	-12.76%	147.93%	-32.91%	-0.79%	48.15%	17.15%
Net Earnings / Revenue	1155.09%	1324.26%	49.22%	20.28%	25.94%	29.03%	25.13%	26.62%
Basic Earnings Per Share	$2.14	$2.35	$2.66	$1.05	$1.52	$1.69	$1.22	$1.12
Diluted Earnings Per Share	$2.12	$2.31	$2.62	$1.04	$1.49	$1.65	$1.21	$1.11

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$24.91M	$13.27M	$9.900M	$11.70M	$12.80M	$4.600M	$4.700M	$4.600M
YoY Change	87.68%	34.08%	-15.38%	-8.59%	178.26%	-2.13%	2.17%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$0.00	$3.115M	$10.80M	$8.100M	$5.300M	$3.400M	$3.800M	$5.300M
YoY Change	-100.0%	-71.16%	33.33%	52.83%	55.88%	-10.53%	-28.3%
Total Long-Term Assets
YoY Change
Total Assets	$2.790B	$2.420B	$2.150B	$1.923B	$1.746B	$1.697B	$1.442B	$1.227B
YoY Change
Accounts Payable	$29.01M	$11.80M	$8.900M	$5.800M	$10.20M	$13.00M	$8.500M	$7.800M
YoY Change	145.8%	32.61%	53.45%	-43.14%	-21.54%	52.94%	8.97%
Accrued Expenses	$20.14M	$6.809M	$7.400M	$8.500M	$10.00M
YoY Change	195.74%	-7.99%	-12.94%	-15.0%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$49.15M	$18.61M	$16.30M	$14.30M	$20.20M	$13.00M	$8.500M	$7.800M
YoY Change	164.07%	14.18%	13.99%	-29.21%	55.38%	52.94%	8.97%
Long-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Total Liabilities	$2.441B	$2.085B	$1.893B	$1.689B	$1.520B	$1.487B	$1.300B	$1.100B
YoY Change	17.08%	10.1%	12.1%	11.16%	2.21%	14.38%	18.21%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016
Basic Shares Outstanding	14.30M shares	14.82M shares	15.02M shares	15.38M shares	15.87M shares	14.40M shares	13.41M shares	12.53M shares
Diluted Shares Outstanding	14.42M shares	15.07M shares	15.25M shares	15.45M shares	16.17M shares	14.69M shares	13.54M shares	12.61M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $301.03 Million

About PCB Bancorp

PCB Bancorp operates as the bank holding company for Pacific City Bank that provides various banking products and services to individuals, and small and middle market businesses in Southern California. The company is headquartered in Los Angeles, California and currently employs 268 full-time employees. The company went IPO on 2003-11-26. The Bank offers a suite of commercial banking services to small to medium-sized businesses, individuals and professionals, primarily in Southern California, and predominantly in Korean-American and other minority communities. The Bank offers a range of online banking solutions that includes access to account balances, online transfers, online bill payment and electronic delivery of customer statements, mobile banking solutions, including remote check deposit and mobile bill pay. The Bank offers automated teller machines and banking by telephone, mail, personal appointment, debit cards, as well as treasury management, wire transfer and automated clearing house services. The Banks lending activities portfolio consists of real estate loans, commercial and industrial loans and other consumer loans. Its investment securities portfolio includes mortgage-backed securities and collateralized mortgage obligations, among others.

Industry: State Commercial Banks Peers: BCB Bancorp Inc Citizens Financial Services Inc First Business Financial Services Inc PCSB Financial Corp PNC Financial Services Group Inc Sierra Bancorp USCB Financial Holdings Inc