PCB
Runs PCB Bank for Korean-American and minority business-banking communities.
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Profile
Operates through PCB Bank, offering loans, deposits, and banking services to small and middle-market businesses and individuals. The branch-led model is rooted in Korean-American communities, with California as the core market and branches extending into the East Coast, Texas, and Georgia.
Operates as a single-segment bank holding company through PCB Bank, with lending, deposits, online and mobile banking, and business services for small and middle-market customers. Loan categories include commercial real estate, commercial and industrial, residential mortgage, and other consumer lending.
Keeps its operating center in Los Angeles and California markets with Korean-American customer concentration, while branch operations also reach New York, New Jersey, Texas, and Georgia. Relationship banking and local community ties are part of the bank's stated model.
Depends on branch-led deposit gathering, organic loan and deposit growth, and expansion in Korean-American and other minority communities. Competition comes from Korean-American community banks, larger commercial banks, credit unions, mortgage companies, brokerage firms, marketplace finance platforms, and other alternatives.
Company facts
Categories
Key statistics
Year to date +27.7% · Average volume (30d) 41.7K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Apr 27, 2026 | Piper Sandler | Reiterate | Neutral | $24 | $26 |
| Oct 27, 2025 | Piper Sandler | Reiterate | Neutral | $21 | $24 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026Q2 FY26 | $0.70 | $0.73 | +4.3% | $31.1M | $30.7M | −1.3% | −2.84% |
| Apr 23, 2026Q1 FY26 | $0.67 | $0.74 | +10.4% | $30.0M | $30.2M | +0.6% | +0.34% |
| Jan 29, 2026Q4 FY25 | $0.61 | $0.64 | +4.9% | $29.3M | $29.2M | −0.5% | +1.91% |
| Oct 23, 2025Q3 FY25 | $0.61 | $0.78 | +27.9% | $29.4M | $30.4M | +3.4% | +5.97% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $49.5M | $52.6M | $54.9M | $52.4M | $52.2M | $53.2M | |
| Gross profit | $25.3M | $27.5M | $30.8M | $28.1M | $29.7M | $29.8M | |
| Operating income | $10.8M | $12.7M | $15.9M | $13.1M | $14.9M | $14.7M | |
| Net income | $7.7M | $9.1M | $11.4M | $9.2M | $10.7M | $10.5M | |
| Diluted EPS | $0.53 | $0.62 | $0.78 | $0.64 | $0.74 | $0.73 | |
| Gross margin | 51.1% | 52.3% | 56.1% | 53.7% | 56.9% | 55.9% | |
| Operating margin | 21.8% | 24.1% | 29.0% | 25.0% | 28.5% | 27.5% |
Fiscal years (4-quarter sums)FY21 $99.9M · FY22 $116.3M · FY23 $161.9M · FY24 $191.9M · FY25 $209.4M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $30.9M · Total debt $107.7M · Total assets $3.47B · Shareholders' equity $400.5M
Dividends
Raised for 9 straight years — most recently to $0.22 from $0.20 in Feb 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 7, 2026 | Aug 7 | Aug 14 | $0.22 | |
| May 8, 2026 | May 8 | May 15 | $0.22 | |
| Feb 13, 2026 | Feb 13 | Feb 20 | $0.22 | raised from $0.20 |
| Nov 7, 2025 | Nov 7 | Nov 14 | $0.20 | |
| Aug 8, 2025 | Aug 8 | Aug 15 | $0.20 | |
| May 9, 2025 | May 9 | May 16 | $0.20 | |
| Feb 14, 2025 | Feb 14 | Feb 21 | $0.20 | raised from $0.18 |
| Nov 8, 2024 | Nov 8 | Nov 15 | $0.18 |
Ownership
Shares outstanding 14.23M · Float 10.55M · 74.1% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Sang Young Lee · director, 10 percent owner: | 1.62M | 11.35% | Form 4 | Mar 6, 2026 |
| BlackRock, Inc. | 790.9K | 5.56% | 13F | May 13, 2026 |
| Dimensional Fund Advisors LP | 610.5K | 4.29% | 13F | May 7, 2026 |
| Vanguard Capital Management LLC | 546.4K | 3.84% | 13F | May 15, 2026 |
| Rhino Investment Partners, Inc | 426.0K | 2.99% | 13F | May 15, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Mar 5, 2026 | Sang Young Lee | director, 10 percent owner: | +7,500 | $22.25 |
| Mar 6, 2026 | Sang Young Lee | director, 10 percent owner: | +1,090 | $21.75 |
| Mar 3, 2026 | Sang Young Lee | director, 10 percent owner: | +92 | $22.00 |
| Mar 4, 2026 | Sang Young Lee | director, 10 percent owner: | +2,000 | $22.75 |
| Feb 27, 2026 | Sang Young Lee | director, 10 percent owner: | +3,027 | $22.43 |
Peers
- Bank of Hope
Largest Korean-American-rooted bank across overlapping PCB markets
- Hanmi Financial
Direct Korean-American peer in CRE, SBA, trade finance, and deposits
- OP Bancorp
Smaller Los Angeles Korean-American bank with branch and SBA overlap
- Preferred Bank
Los Angeles commercial bank with adjacent Asian-American market overlap
- Cathay General Bancorp
Large Chinese-American-rooted bank overlapping in CA, NY, TX, WA, and NJ
- East West Bancorp
Scaled Asian-American commercial bank with cross-border banking overlap
- Banc of California
Broader California business bank competing for loans and deposits
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| PCB | $27.49 | −0.25% | $391.3M | 9.5 | 9.4 | 1.8 | +4.8% |
| Bank of Hope | $13.92 | 0.00% | $1.78B | 13.9 | 10.7 | 1.8 | +56.3% |
| Hanmi Financial | $31.14 | +0.06% | $926.9M | 10.5 | 9.6 | 2.4 | +10.1% |
| OP Bancorp | $15.13 | 0.00% | $225.3M | 7.8 | 7.5 | 1.3 | +8.6% |
| Preferred Bank | $103.53 | +0.15% | $1.23B | 9.5 | 9.6 | 2.4 | +4.0% |
| Cathay General Bancorp | $61.87 | +0.03% | $4.15B | 12.1 | 10.8 | 3.0 | +12.5% |
| East West Bancorp | $129.44 | −0.02% | $17.73B | 12.4 | 11.9 | 3.8 | +12.5% |
| Banc of California | $18.60 | −0.03% | $2.86B | — | 9.7 | 1.6 | — |
| Median | 11.3 | 9.7 | 2.4 | +11.3% |