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PCB Bancorp is a California corporation incorporated in 2007 as a registered bank holding company subject to the Bank Holding Company Act of 1956, as amended ( BHCA ), to serve as the holding company for PCB Bank (the Bank ), which was founded in 2003. The Bank s deposit accounts are insured by the Federal Deposit Insurance Corporation ( FDIC ) up to the maximum amount currently allowable under…
1291.93% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue growth slowed to 4.5%, essentially flat. This is a business that needs a catalyst.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$3M
▲ +4.5% YoY
Net Income (TTM)
$40M
▲ +45.1% YoY
Net Margin
1343.46%
P/E
—
Balance Sheet
Total Assets
$3.40B
Equity
$397M
Total Debt
$18M
Cash & Equiv.
$267M
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