PCB Bancorp

PCB · NASDAQ

$28.17+$0.47 (+1.70%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $27.70

PCB analyst rating

HoldConsensus of 2 analysts over the last 12 months. 0% rate it a buy.

Strong buy0
Buy0
Hold2
Underperform0
Sell0

12-month price target · 3 analysts

Average $30.85 (+9.5% upside)

Low: $29.80
Now: $28.17
High: $32.55

Upgrades and downgrades

The latest rating actions, newest first

PCB analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Keefe, Bruyette & Woods	Jul 27, 2026	Maintains	Market Perform	$29.00 → $29.50	63%
Piper Sandler	Apr 27, 2026	Maintains	Neutral	$25.50 → $26.00	68%
Keefe, Bruyette & Woods	Oct 27, 2025	Maintains	Market Perform	$23.50 → $25.00	63%
Piper Sandler	Oct 27, 2025	Maintains	Neutral	$23.00 → $24.00	68%

The case for and against

Updated Jan 12, 2026

Bull case

PCB Bancorp has demonstrated robust financial performance by successfully growing its balance sheet and expanding its margins, leading to estimates being revised upward by 8-9%. The company's disciplined cost management resulted in a modest 3.5% increase in expenses, even amidst higher professional fees, which reflects its operational efficiency. Overall, these factors contribute to a projected increase in net interest income (NII) by 3-4%, with anticipated growth rates of 18% for 2025 and 10% for 2026, indicating a favorable outlook for the company.

Bear case

PCB Bancorp's stock outlook is negatively influenced by a decline in end-of-period loan balances by 6% quarter-over-quarter, primarily driven by a substantial drop in commercial and industrial loans, which fell by 22%. The company's core net interest expense (NIE) also registered at $14.9 million, falling short of its guidance, indicating a lack of operational efficiency and financial control. Furthermore, the return on tangible common equity (ROTCE) remains significantly lower than that of small to mid-sized banks, highlighting persistent profitability challenges amid flat funding costs and declining loan production metrics.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.