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Compared to Estimates, PCB Bancorp (PCB) Q2 Earnings: A Look at Key Metrics

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PCB Bancorp (PCB - Free Report) reported $29.29 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 20.9%. EPS of $0.62 for the same period compares to $0.43 a year ago.

The reported revenue represents a surprise of +0.47% over the Zacks Consensus Estimate of $29.15 million. With the consensus EPS estimate being $0.60, the EPS surprise was +3.33%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how PCB Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Average Balance - Total interest-earning assets: $3.13 billion versus $3.14 billion estimated by two analysts on average.
  • Efficiency ratio: 50.6% versus the two-analyst average estimate of 52.9%.
  • Non-Performing Loans: $8.93 million compared to the $6.47 million average estimate based on two analysts.
  • Net Interest Margin: 3.3% versus 3.3% estimated by two analysts on average.
  • Non-Performing Assets: $8.93 million versus $6.47 million estimated by two analysts on average.
  • Total Noninterest Income: $3.3 million versus the two-analyst average estimate of $3.2 million.
  • Net Interest Income: $25.99 million versus $25.95 million estimated by two analysts on average.

View all Key Company Metrics for PCB Bancorp here>>>

Shares of PCB Bancorp have returned +5.1% over the past month versus the Zacks S&P 500 composite's +5.7% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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