PCB Bancorp (PCB) vs. Its Peers Financial Analysis

PCB Bancorp (NASDAQ:PCB) is one of 919 publicly-traded companies in the “Banks” industry, but how does it compare to its peers? We will compare PCB Bancorp to similar businesses based on the strength of its valuation, analyst recommendations, risk, dividends, earnings, profitability and institutional ownership.

Insider & Institutional Ownership

33.0% of PCB Bancorp shares are held by institutional investors. Comparatively, 48.0% of shares of all “Banks” companies are held by institutional investors. 27.0% of PCB Bancorp shares are held by insiders. Comparatively, 9.7% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Dividends

PCB Bancorp pays an annual dividend of $0.88 per share and has a dividend yield of 2.9%. PCB Bancorp pays out 29.7% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 8.9% and pay out 28.9% of their earnings in the form of a dividend. PCB Bancorp has raised its dividend for 7 consecutive years. PCB Bancorp lags its peers as a dividend stock, given its lower dividend yield and higher payout ratio.

Profitability

This table compares PCB Bancorp and its peers’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
PCB Bancorp	19.92%	12.98%	1.25%
PCB Bancorp Competitors	15.66%	9.47%	0.93%

Valuation & Earnings

This table compares PCB Bancorp and its peers revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
PCB Bancorp	$209.37 million	$37.45 million	10.12
PCB Bancorp Competitors	$18.18 billion	$2.42 billion	21.02

PCB Bancorp’s peers have higher revenue and earnings than PCB Bancorp. PCB Bancorp is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Analyst Ratings

This is a breakdown of current ratings for PCB Bancorp and its peers, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
PCB Bancorp	0	2	0	2	3.00
PCB Bancorp Competitors	7503	30277	27877	1492	2.35

PCB Bancorp currently has a consensus target price of $27.75, suggesting a potential downside of 7.41%. As a group, “Banks” companies have a potential upside of 14.45%. Given PCB Bancorp’s peers higher possible upside, analysts plainly believe PCB Bancorp has less favorable growth aspects than its peers.

Risk and Volatility

PCB Bancorp has a beta of 0.49, indicating that its stock price is 51% less volatile than the S&P 500. Comparatively, PCB Bancorp’s peers have a beta of 0.62, indicating that their average stock price is 38% less volatile than the S&P 500.

Summary

PCB Bancorp peers beat PCB Bancorp on 9 of the 15 factors compared.

PCB Bancorp Company Profile

PCB Bancorp is a bank holding company headquartered in Los Angeles, California, and the parent of PCB Bank, which began operations in 2003 as Pacific City Bank. The company provides commercial banking services to businesses, professionals and individuals, with a focus on serving Korean American and other local communities. Its services include business and commercial real estate loans, small business lending, trade finance, deposit accounts and cash management. PCB Bank also offers consumer banking products and digital banking services.