PCB PCB BANCORP

BULLISH Impact: 8/10 8-K
Horizon weeks Filed Apr 23, 2026 Processed 27d 3h ago SEC 0001423869-26-000015
8-K Item 2.02: Earnings release
Latest settled — T+5d
PCB ▲ +1.64% at T+5d
LONG call ✓ call won +1.64% · α vs SPY +0.73% · entry $23.74 → $24.13
Next anchor: T+20d in 13h
Currently $24.37 · +2.65% from $23.74 entry
Entry anchored
Apr 23, 03:59 PM ET
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$24.18
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$24.13
settled 20d ago
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Executive Summary

PCB Bancorp reported strong Q1 2026 earnings with diluted EPS of $0.74, a 15.6% increase from the prior quarter and a 39.6% increase year-over-year, driven by solid loan and deposit growth, an expanding net interest margin (up 8 basis points to 3.36%), and effective expense management. The company also declared a quarterly dividend of $0.22 per share.

Actionable Insight

Monitor the next earnings call for commentary on net interest margin sustainability and loan growth trends, as the current performance is strong but may face pressure from future interest rate changes.

Key Facts

  • Q1 2026 diluted EPS was $0.74, beating the prior quarter's $0.64 by 15.6% and the year-ago quarter's $0.53 by 39.6%.
  • Net interest margin increased to 3.36% from 3.28% in Q4 2025.
  • Loans held-for-investment grew to $2.87 billion, an increase of 1.9% from the prior quarter.
  • Total deposits increased to $2.89 billion, up 3.3% from the prior quarter.
  • The company declared a quarterly cash dividend of $0.22 per common share.

Financial Impact

Net income available to common shareholders was $10.57 million, up 15.5% from the prior quarter.

epsrevenuenetInterestMarginloanGrowthdepositGrowth

Risk Factors

  • Potential for margin compression if interest rates decline.
  • Credit quality risks in the commercial real estate portfolio, which comprises 68% of loans.

Market Snapshot

Exchange
Nasdaq
Sector
State Commercial Banks

Documents Analyzed

This report is based on 8 SEC documents filed with EDGAR.

DocumentAccession Number
8-K Filing (Primary)0001423869-26-000015
Document: pcbinvestordeck1q26.htm0001423869-26-000015
Document: pcb-20260422.htm0001423869-26-000015
Document: pcbpr20260423dividend.htm0001423869-26-000015
Document: 0001423869-26-000015-index-headers.html0001423869-26-000015
Document: 0001423869-26-000015-index.html0001423869-26-000015
Document: 0001423869-26-000015.txt0001423869-26-000015
8-K Data (Synthetic)0001423869-26-000015

US Market Status

Market Closed — Opens Thu (< 1m)

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