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PCB Bancorp (PCB) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

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PCB Bancorp (PCB - Free Report) reported $30.7 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 4.8%. EPS of $0.73 for the same period compares to $0.62 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $31.3 million, representing a surprise of -1.93%. The company has not delivered EPS surprise, with the consensus EPS estimate being $0.73.

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: $3.31 billion compared to the $3.35 billion average estimate based on two analysts.
  • Efficiency ratio: 49.2% versus 49.2% estimated by two analysts on average.
  • Non-Performing Loans: $8.72 million versus $9.55 million estimated by two analysts on average.
  • Net Interest Margin: 3.3% compared to the 3.4% average estimate based on two analysts.
  • Non-Performing Assets: $8.72 million compared to the $9.55 million average estimate based on two analysts.
  • Total Noninterest Income: $3.2 million versus the two-analyst average estimate of $3.4 million.
  • Net Interest Income: $27.49 million versus $27.91 million estimated by two analysts on average.

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

Shares of PCB Bancorp have returned +4.9% over the past month versus the Zacks S&P 500 composite's +0.4% 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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