PCB Bancorp (PCB) Income Statement Analysis

See more : Wedge Industrial Co.,Ltd. (000534.SZ) Income Statement Analysis – Financial Results

Complete financial analysis of PCB Bancorp (PCB) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of PCB Bancorp, a leading company in the Banks – Regional industry within the Financial Services sector.

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PCB Bancorp (PCB)

Industry: Banks - Regional

Sector: Financial Services

Website: https://www.paccity.net

About PCB Bancorp

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 residential, Small Business Administration (SBA) property, and construction loans; commercial and industrial loans, such as commercial term and lines of credit, SBA commercial term, and SBA Paycheck Protection Program loans; and other consumer loans comprising automobile secured loans and personal loans. In addition, the company offers access to account balances, online transfers, and online bill payment and electronic delivery of customer statements; and mobile banking solutions that include 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 11 full-service branches in Los Angeles and Orange counties, California; and one full-service branch in each of Englewood Cliffs, New Jersey, and Bayside, New York. It also operates 10 loan production offices in Irvine, Artesia, and Los Angeles, California; Annandale, Virginia; Atlanta, Georgia; Chicago, Illinois; Bellevue, Washington; Aurora, Colorado; Carrollton, Texas; and New York, New York. 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.

Metric	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Revenue	99.32M	104.13M	95.57M	77.93M	80.90M	75.85M	69.06M	59.20M	49.34M	43.70M	37.36M	32.91M	30.37M	26.40M	22.05M	24.49M	25.12M	17.84M	10.73M	5.57M	192.66K
Cost of Revenue	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-657.00K	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Gross Profit	99.32M	104.13M	95.57M	77.93M	80.90M	75.85M	69.06M	59.20M	49.34M	44.35M	37.36M	32.91M	30.37M	26.40M	22.05M	24.49M	25.12M	17.84M	10.73M	5.57M	192.66K
Gross Profit Ratio	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	101.50%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General & Administrative	35.33M	33.76M	30.68M	29.20M	28.81M	27.18M	22.83M	19.94M	18.97M	16.71M	14.49M	12.31M	13.81M	11.56M	7.55M	8.62M	8.81M	5.54M	3.56M	1.99M	490.31K
Selling & Marketing	2.33M	2.15M	1.66M	1.36M	1.55M	2.01M	1.65M	1.45M	1.28M	1.06M	1.03M	920.12K	442.46K	409.37K	0.00	0.00	0.00	0.00	461.86K	289.20K	75.11K
SG&A	37.66M	35.91M	32.33M	30.56M	30.36M	29.19M	22.83M	19.94M	20.25M	17.77M	15.53M	13.23M	14.26M	11.97M	7.55M	8.62M	8.81M	5.54M	4.02M	2.28M	565.43K
Other Expenses	61.53M	-11.59M	-70.95M	-85.47M	-76.91M	-52.34M	-50.45M	-47.73M	-42.75M	-36.68M	-32.63M	-33.47M	-33.95M	-36.72M	-36.69M	-15.34M	-13.35M	-7.57M	-8.10M	-5.66M	-1.64M
Operating Expenses	99.19M	4.39M	-38.61M	-54.92M	-46.55M	-23.15M	-27.63M	-27.78M	-22.50M	-18.91M	-17.10M	-20.24M	-19.70M	-24.74M	-29.14M	-6.72M	-4.54M	-2.03M	-4.08M	-3.38M	-1.08M
Cost & Expenses	99.19M	4.39M	-38.61M	-54.92M	-46.55M	-23.15M	-27.63M	-27.78M	-477.00K	-657.00K	-17.10M	-20.24M	-19.70M	-24.74M	-29.14M	-6.72M	-4.54M	-2.03M	-4.08M	-3.38M	-1.08M
Interest Income	151.18M	101.75M	81.47M	79.76M	92.95M	83.70M	65.27M	52.60M	43.27M	37.18M	31.35M	27.25M	30.51M	35.37M	30.09M	36.57M	36.44M	25.48M	12.12M	4.67M	269.73K
Interest Expense	62.67M	12.12M	4.34M	13.57M	23.91M	17.95M	10.10M	7.01M	6.23M	5.06M	4.43M	4.45M	9.86M	15.29M	12.90M	16.62M	16.43M	10.90M	3.62M	1.15M	85.13K
Depreciation & Amortization	0.00	1.60M	1.38M	1.49M	1.53M	1.27M	1.12M	1.00M	1.35M	1.06M	891.81K	502.15K	653.35K	872.96K	984.89K	1.07M	925.75K	457.56K	296.60K	273.38K	55.92K
EBITDA	0.00	53.14M	60.34M	26.45M	38.27M	38.78M	34.70M	27.49M	24.28M	21.44M	16.73M	8.72M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBITDA Ratio	0.00%	62.67%	63.14%	33.94%	47.30%	74.79%	64.86%	59.48%	58.10%	60.64%	56.61%	40.02%	37.30%	9.57%	-27.71%	76.95%	85.60%	91.18%	64.71%	44.29%	-429.41%
Operating Income	43.26M	61.52M	56.96M	23.01M	34.35M	52.70M	41.44M	31.42M	27.32M	25.44M	20.26M	12.67M	10.68M	1.65M	-7.09M	17.77M	20.58M	15.80M	6.65M	2.20M	-883.19K
Operating Income Ratio	43.56%	59.08%	59.60%	29.53%	42.46%	69.47%	60.00%	53.07%	55.36%	58.22%	54.23%	38.49%	35.15%	6.26%	-32.18%	72.56%	81.92%	88.62%	61.94%	39.39%	-458.43%
Total Other Income/Expenses	0.00	-4.79M	-3.68M	-4.29M	-4.24M	-4.41M	-3.32M	-3.14M	-6.53M	-5.62M	0.00	-502.15K	0.00	-13.64M	-12.90M	-17.70M	-16.43M	-10.90M	-3.62M	-1.15M	-141.04K
Income Before Tax	43.26M	49.40M	56.96M	23.01M	34.35M	34.75M	31.34M	24.40M	21.09M	20.38M	15.83M	8.22M	818.37K	-13.64M	-19.99M	1.15M	4.15M	4.91M	3.02M	1.04M	0.00
Income Before Tax Ratio	43.56%	47.44%	59.60%	29.53%	42.46%	45.81%	45.38%	41.22%	42.74%	46.64%	42.38%	24.98%	2.69%	-51.68%	-90.66%	4.68%	16.50%	27.51%	28.17%	18.71%	0.00%
Income Tax Expense	12.56M	14.42M	16.86M	6.84M	10.24M	10.44M	14.94M	10.40M	8.90M	8.56M	-5.55M	183.57K	-23.31K	4.03M	-3.85M	425.44K	1.67M	2.09M	861.56K	800.00	85.13K
Net Income	30.71M	34.99M	40.10M	16.18M	24.11M	24.30M	16.40M	14.00M	12.19M	11.82M	21.38M	8.04M	841.68K	-17.67M	-16.14M	720.85K	2.48M	2.81M	2.16M	1.04M	-968.32K
Net Income Ratio	30.92%	33.60%	41.96%	20.76%	29.80%	32.04%	23.75%	23.65%	24.70%	27.05%	57.23%	24.42%	2.77%	-66.94%	-73.18%	2.94%	9.86%	15.77%	20.14%	18.70%	-502.62%
EPS	2.14	2.36	2.66	1.05	1.52	1.69	1.22	1.12	1.03	1.03	1.84	0.62	-0.02	-3.46	-5.68	0.27	1.06	1.22	1.09	0.65	-0.61
EPS Diluted	2.12	2.32	2.62	1.04	1.49	1.66	1.21	1.11	1.02	1.03	1.83	0.62	-0.02	-3.46	-5.68	0.27	0.99	1.13	1.03	0.63	-0.61
Weighted Avg Shares Out	14.30M	14.82M	15.02M	15.38M	15.87M	14.40M	13.41M	12.53M	11.84M	13.43M	11.15M	11.15M	11.14M	5.10M	2.84M	2.67M	2.34M	2.31M	1.97M	1.59M	1.59M
Weighted Avg Shares Out (Dil)	14.42M	15.07M	15.25M	15.45M	16.17M	14.67M	13.54M	12.61M	11.93M	13.61M	11.16M	11.15M	11.14M	5.10M	2.84M	2.67M	2.50M	2.50M	2.10M	1.65M	1.59M

PCB Bancorp (PCB) Misses Q4 Earnings and Revenue Estimates

January 26, 2023zacks.com

PCB Bancorp (PCB) delivered earnings and revenue surprises of -7.94% and 4.64%, respectively, for the quarter ended December 2022. Do the numbers hold clues to what lies ahead for the stock?