PCB Bancorp
PCB Bancorp operates as the bank holding company for PCB Bank that provides various banking products and services to small and middle market businesses and individuals. The company offers demand, savings, money market, time deposits, and certificates of deposit; and remote deposit capture, courier deposit and positive pay services, zero balance accounts, and sweep accounts. It also provides real … Read more
PCB Bancorp (PCB) - Net Assets
Latest net assets as of December 2025: $390.03 Million USD
Based on the latest financial reports, PCB Bancorp (PCB) has net assets worth $390.03 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($3.28 Billion) and total liabilities ($2.89 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $390.03 Million |
| % of Total Assets | 11.88% |
| Annual Growth Rate | 15.66% |
| 5-Year Change | 52.18% |
| 10-Year Change | 207.09% |
| Growth Volatility | 22.99 |
PCB Bancorp - Net Assets Trend (2003–2025)
This chart illustrates how PCB Bancorp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for PCB Bancorp (2003–2025)
The table below shows the annual net assets of PCB Bancorp from 2003 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $390.03 Million | +7.20% |
| 2024-12-31 | $363.81 Million | +4.28% |
| 2023-12-31 | $348.87 Million | +4.00% |
| 2022-12-31 | $335.44 Million | +30.89% |
| 2021-12-31 | $256.29 Million | +9.62% |
| 2020-12-31 | $233.79 Million | +3.07% |
| 2019-12-31 | $226.83 Million | +7.86% |
| 2018-12-31 | $210.30 Million | +47.90% |
| 2017-12-31 | $142.18 Million | +11.95% |
| 2016-12-31 | $127.01 Million | +29.55% |
| 2015-12-31 | $98.04 Million | +14.36% |
| 2014-12-31 | $85.73 Million | +12.00% |
| 2013-12-31 | $76.55 Million | +16.70% |
| 2012-12-31 | $65.59 Million | +12.45% |
| 2011-12-31 | $58.33 Million | +7.38% |
| 2010-12-31 | $54.33 Million | +4.80% |
| 2009-12-31 | $51.84 Million | -18.20% |
| 2008-12-31 | $63.37 Million | +65.38% |
| 2007-12-31 | $38.32 Million | +7.80% |
| 2006-12-31 | $35.55 Million | +9.94% |
| 2005-12-31 | $32.33 Million | +90.69% |
| 2004-12-31 | $16.95 Million | +6.77% |
| 2003-12-31 | $15.88 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to PCB Bancorp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 18848150200.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $186.49 Million | 47.81% |
| Common Stock | $139.26 Million | 35.70% |
| Other Comprehensive Income | $-4.86 Million | -1.25% |
| Other Components | $69.14 Million | 17.73% |
| Total Equity | $390.03 Million | 100.00% |
PCB Bancorp Competitors by Market Cap
The table below lists competitors of PCB Bancorp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Ready Capital Corp
NYSE:RC
|
$234.98 Million |
|
John Wood Group PLC
PINK:WDGJF
|
$235.02 Million |
|
Dong Nai Port JSC
VN:PDN
|
$235.10 Million |
|
DB Financial Investment Co Ltd
KO:016610
|
$235.18 Million |
|
Appen Ltd
AU:APX
|
$234.95 Million |
|
LB Foster Company
NASDAQ:FSTR
|
$234.93 Million |
|
Msscorps Co Ltd
TW:6830
|
$234.76 Million |
|
Kaimei Electronic Corp
TW:2375
|
$234.76 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in PCB Bancorp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 363,814,000 to 390,026,000, a change of 26,212,000 (7.2%).
- Net income of 37,453,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 4,463,000.
- Other factors decreased equity by 15,704,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $37.45 Million | +9.6% |
| Other Comprehensive Income | $4.46 Million | +1.14% |
| Other Changes | $-15.70 Million | -4.03% |
| Total Change | $- | 7.20% |
Book Value vs Market Value Analysis
This analysis compares PCB Bancorp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.79x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.17x to 0.79x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2003-12-31 | $10.01 | $21.69 | x |
| 2004-12-31 | $10.31 | $21.69 | x |
| 2005-12-31 | $15.43 | $21.69 | x |
| 2006-12-31 | $14.24 | $21.69 | x |
| 2007-12-31 | $15.34 | $21.69 | x |
| 2008-12-31 | $23.78 | $21.69 | x |
| 2009-12-31 | $18.41 | $21.69 | x |
| 2010-12-31 | $10.65 | $21.69 | x |
| 2011-12-31 | $5.23 | $21.69 | x |
| 2012-12-31 | $5.88 | $21.69 | x |
| 2013-12-31 | $6.86 | $21.69 | x |
| 2014-12-31 | $6.35 | $21.69 | x |
| 2015-12-31 | $8.22 | $21.69 | x |
| 2016-12-31 | $10.07 | $21.69 | x |
| 2017-12-31 | $10.50 | $21.69 | x |
| 2018-12-31 | $14.34 | $21.69 | x |
| 2019-12-31 | $14.03 | $21.69 | x |
| 2020-12-31 | $15.13 | $21.69 | x |
| 2021-12-31 | $16.80 | $21.69 | x |
| 2022-12-31 | $22.27 | $21.69 | x |
| 2023-12-31 | $24.20 | $21.69 | x |
| 2024-12-31 | $25.37 | $21.69 | x |
| 2025-12-31 | $27.31 | $21.69 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently PCB Bancorp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.60%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 17.89%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 8.41x
- Recent ROE (9.60%) is above the historical average (5.65%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2003 | -6.10% | -348.59% | 0.01x | 3.35x | $-2.56 Million |
| 2004 | 6.15% | 15.50% | 0.05x | 7.22x | $-653.03K |
| 2005 | 6.67% | 15.04% | 0.05x | 8.37x | $-1.08 Million |
| 2006 | 7.91% | 9.79% | 0.07x | 10.93x | $-741.40K |
| 2007 | 6.46% | 5.96% | 0.08x | 13.24x | $-1.35 Million |
| 2008 | 1.14% | 1.75% | 0.07x | 9.17x | $-5.62 Million |
| 2009 | -30.84% | -45.17% | 0.07x | 10.26x | $-21.37 Million |
| 2010 | -32.53% | -42.39% | 0.08x | 9.91x | $-23.10 Million |
| 2011 | 1.44% | 2.52% | 0.06x | 9.36x | $-4.99 Million |
| 2012 | 12.25% | 21.52% | 0.06x | 9.31x | $1.48 Million |
| 2013 | 27.94% | 51.17% | 0.06x | 9.88x | $13.73 Million |
| 2014 | 13.68% | 24.24% | 0.05x | 10.34x | $3.18 Million |
| 2015 | 12.43% | 21.74% | 0.05x | 10.63x | $2.38 Million |
| 2016 | 11.02% | 21.26% | 0.05x | 9.66x | $1.30 Million |
| 2017 | 11.54% | 20.72% | 0.05x | 10.14x | $2.18 Million |
| 2018 | 11.56% | 25.81% | 0.06x | 8.07x | $3.27 Million |
| 2019 | 10.63% | 23.00% | 0.06x | 7.70x | $1.42 Million |
| 2020 | 6.92% | 17.68% | 0.05x | 8.22x | $-7.20 Million |
| 2021 | 15.65% | 40.14% | 0.05x | 8.39x | $14.47 Million |
| 2022 | 10.43% | 30.10% | 0.05x | 7.21x | $1.44 Million |
| 2023 | 8.80% | 18.97% | 0.06x | 8.00x | $-4.18 Million |
| 2024 | 7.09% | 13.45% | 0.06x | 8.42x | $-10.57 Million |
| 2025 | 9.60% | 17.89% | 0.06x | 8.41x | $-1.55 Million |
Industry Comparison
This section compares PCB Bancorp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| PCB Bancorp (PCB) | $390.03 Million | -6.10% | 7.41x | $234.96 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |