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PCB Bancorp (PCB) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates

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For the quarter ended March 2026, PCB Bancorp (PCB - Free Report) reported revenue of $30.18 million, up 12.4% over the same period last year. EPS came in at $0.74, compared to $0.53 in the year-ago quarter.

The reported revenue represents a surprise of -0.22% over the Zacks Consensus Estimate of $30.25 million. With the consensus EPS estimate being $0.67, the EPS surprise was +10.45%.

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.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

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: $3.24 billion compared to the $3.27 billion average estimate based on two analysts.
  • Efficiency ratio: 49.1% versus the two-analyst average estimate of 50.1%.
  • Non-Performing Loans: $8.19 million compared to the $7.63 million average estimate based on two analysts.
  • Net Interest Margin: 3.4% compared to the 3.4% average estimate based on two analysts.
  • Non-Performing Assets: $9.28 million versus $7.63 million estimated by two analysts on average.
  • Total Noninterest Income: $3.37 million versus the two-analyst average estimate of $3.1 million.
  • Net Interest Income: $26.81 million versus the two-analyst average estimate of $27.13 million.

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

Shares of PCB Bancorp have returned +7.7% over the past month versus the Zacks S&P 500 composite's +9.7% 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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