Exhibit 99.1 PCB Bancorp Reports Earnings for Q2 2025 Los Angeles, California - July 24, 2025 - PCB Bancorp (the "Company") (NASDAQ: PCB), the holding company of PCB Bank (the "Bank"), today reported net income available to common shareholders of $9.0 million, or $0.62 per diluted common share, for the second quarter of 2025, compared with $7.7 million, or $0.53 per diluted common share, for the previous quarter and $6.1 million, or $0.43 per diluted common share, for the year-ago quarter. Q2 2025 Highlight ...

Core Insights - Investing in stocks based on valuation metrics, particularly the price-to-earnings (P/E) and price-to-sales (P/S) ratios, is a strategic approach to identify potential investment opportunities [1][3] - The P/S ratio is especially useful for evaluating unprofitable companies or those in early growth stages, as it reflects the value of revenue generated [3][4] Group 1: Price-to-Sales Ratio - A P/S ratio below 1 indicates that investors are paying less than a dollar for each dollar of revenue, making it a favorable investment [4] - The P/S ratio is preferred over the P/E ratio because sales figures are less susceptible to manipulation compared to earnings [5] - A company with high debt and a low P/S ratio may not be an ideal investment due to potential future financial obligations [5][6] Group 2: Screening Parameters - Companies should have a P/S ratio less than the median for their industry, a low P/E ratio, and a price above $5 to qualify as attractive investments [7][8] - Additional metrics such as Price/Book and Debt/Equity ratios should also be analyzed to ensure a comprehensive evaluation [6] Group 3: Company Highlights - JAKKS Pacific (JAKK) has a strong focus on innovation and partnerships, benefiting from acquisitions and a solid international presence, currently holding a Zacks Rank 2 and a Value Score of A [10][11] - Green Dot (GDOT) is positioned for growth with a strong balance sheet and partnerships with major companies like Walmart, also holding a Zacks Rank 2 and a Value Score of B [12][13] - Signet Jewelers (SIG) demonstrates strength in inventory management and strategic restructuring, leading to improved financial performance, currently holding a Value Score of A and a Zacks Rank 2 [14][15] - Gibraltar Industries (ROCK) focuses on operational improvements and has a solid growth outlook due to high demand in its Residential segment, currently holding a Value Score of B and a Zacks Rank 2 [16][17] - PCB Bancorp (PCB) is strategically expanding its services and optimizing its branch network, positioning itself for sustained growth, currently holding a Value Score of B and a Zacks Rank 2 [18][19]

Financial Performance - Net income for the three months ended March 31, 2025, was $7,735,000, an increase of 64.9% compared to $4,685,000 for the same period in 2024[12] - Total revenue, net of interest expense, increased to $26,863,000 for the three months ended March 31, 2025, up from $23,944,000 in 2024, reflecting a growth of 12.4%[113] - Basic earnings per share for the three months ended March 31, 2025, was $0.53, up from $0.33 in 2024, representing a 60.6% increase[99] - The Company reported net income available to common shareholders of $7.695 million for the three months ended March 31, 2025, compared to $4.685 million in 2024, a 64.3% increase[99] - The return on average assets improved to 1.00% for the three months ended March 31, 2025, compared to 0.67% for the same period in 2024[113] Interest Income and Expenses - Total interest income rose to $46,892,000 in Q1 2025, up 7.4% from $43,555,000 in Q1 2024[12] - Net interest income after provision for credit losses increased to $22,685,000, compared to $19,909,000 in the prior year, reflecting a growth of 13.9%[12] - Interest paid for the three months ended March 31, 2025, was $25,659,000, compared to $23,866,000 for the same period in 2024, reflecting an increase of approximately 7.5%[17] - The net interest margin improved to 3.28% for the three months ended March 31, 2025, compared to 3.10% in 2024[113] Credit Losses and Provisions - The provision for credit losses increased to $1,598,000 in Q1 2025, compared to $1,090,000 in Q1 2024, indicating a rise of 46.5%[12] - The provision for credit losses on loans for the three months ended March 31, 2025, was $1,591 thousand, up from $922 thousand for the same period in 2024, representing a year-over-year increase of 72.6%[51] - The total provision for credit losses, including off-balance sheet credit exposures, was $1,598 thousand for the three months ended March 31, 2025, compared to $1,090 thousand in 2024, marking a 46.6% increase[51] Noninterest Income and Expenses - Noninterest income decreased to $2,580,000 in Q1 2025 from $2,945,000 in Q1 2024, a decline of 12.4%[12] - Total noninterest expense decreased to $14,474,000, down 11.4% from $16,352,000 in the same quarter last year[12] Deposits and Cash - The net change in deposits for the quarter was $98,608,000, compared to $51,228,000 in the same quarter last year, showing a significant increase of 92.5%[16] - Cash and cash equivalents at the end of the period were $214,348,000, compared to $239,791,000 at the end of Q1 2024, reflecting a decrease of 10.6%[16] Securities and Fair Value - The total fair value of securities available-for-sale as of March 31, 2025, was $148,190,000, an increase from $146,349,000 as of December 31, 2024[37] - The total securities available-for-sale as of March 31, 2025, had an amortized cost of $158,364 thousand and a fair value of $148,190 thousand, reflecting a gross unrealized loss of $10,707 thousand[40] - The company's securities available-for-sale with unrealized losses totaled $108,550 thousand as of December 31, 2024, with $10,707 thousand in unrealized losses across 182 securities[45] Loans and Credit Quality - The total loans held-for-investment amounted to $2,727,610 thousand as of March 31, 2025, an increase from $2,629,387 thousand as of December 31, 2024, reflecting a growth of approximately 3.73%[50] - The company continues to receive timely principal and interest payments on its investment-grade rated municipal and corporate bonds, indicating strong credit quality[46] - Total nonaccrual loans as of March 31, 2025, amounted to $6,248,000, an increase from $4,693,000 on December 31, 2024, representing a 33.1% increase[64] Capital and Shareholder Returns - PCB Bancorp's common tier 1 capital ratio was 12.52%, significantly above the minimum requirement of 4.5%[107] - Total capital to risk-weighted assets for PCB Bancorp was 16.25% as of March 31, 2025, exceeding the minimum requirement of 8.0%[107] - Cash dividends declared on common stock increased to $0.20 per share in Q1 2025, up from $0.18 per share in Q1 2024[15] Stock and Compensation - The total share-based compensation expense for the three months ended March 31, 2025, was $230,000, compared to $136,000 for the same period in 2024, reflecting a 68.4% increase[94] - The Company repurchased and retired 14,947 shares of common stock at a weighted-average price of $14.88 per share during the year ended December 31, 2024[90] - For the three months ended March 31, 2025, the Company repurchased 50,676 shares at a weighted-average price of $18.80 per share, with authorization to purchase an additional 527,101 shares[91] Economic and Market Conditions - The Federal Open Market Committee (FOMC) maintained the upper range of the Fed Funds Target Rate at 4.50% as of March 19, 2025, and plans to reduce the monthly redemption cap on Treasury securities from $25 billion to $5 billion starting in April[210] - The Company's deposit portfolio is sensitive to changes in short-term interest rates, although a significant portion consists of non-maturity deposits not directly tied to these rates[211]

Here are five stocks added to the Zacks Rank #1 (Strong Buy) List today:Carvana (CVNA) : This company which is a leading e-commerce platform for buying and selling used cars, has seen the Zacks Consensus Estimate for its current year earnings increasing 33.3% over the last 60 day.PCB Bancorp (PCB) : This bank holding company which offers savings accounts, debit and credit cards, personal and business loans, cash management, certificate of deposits, online banking, mortgages, wealth management and e-statemen ...

Core Insights - Investing in stocks based on valuation metrics, particularly the price-to-sales (P/S) ratio, is a strategic approach for evaluating companies, especially those that are unprofitable or in early growth stages [1][3][5] Group 1: Price-to-Sales Ratio - The price-to-sales ratio is a valuable metric that reflects how much investors pay for each dollar of revenue generated by a company [3] - A P/S ratio below 1 indicates a good bargain, as investors pay less than a dollar for a dollar's worth of revenue [4] - The P/S ratio is often preferred over the price-to-earnings ratio due to the difficulty of manipulating sales figures compared to earnings [5] Group 2: Screening Parameters - Companies should have a price-to-sales ratio less than the median for their industry, along with a price-to-earnings ratio below the industry median [7] - A debt-to-equity ratio less than the industry median is also recommended, as lower debt levels contribute to a stable P/S ratio [8] - Stocks should be trading at a minimum price of $5 and have a Zacks Rank of 1 (Strong Buy) or 2 (Buy) to ensure better performance [8] Group 3: Company Profiles - Green Dot (GDOT) is a pro-consumer bank holding company with a strong position in prepaid cards and Banking-as-a-Service, boasting a Zacks Rank 1 and a Value Score of A [10][11] - JAKKS Pacific (JAKK) has diversified through acquisitions and focuses on online retailing, currently holding a Zacks Rank 2 and a Value Score of A [12][13] - PCB Bancorp (PCB) offers a range of banking products and has a strategic expansion plan, with a Value Score of A and a Zacks Rank 2 [14][15] - Gibraltar Industries (ROCK) focuses on operational improvements and has a Value Score of B with a Zacks Rank 2, benefiting from high demand in agricultural facilities [16][17] - Pfizer (PFE) is committed to developing treatments across various therapeutic areas and expects better non-COVID operational revenue growth, holding a Value Score of A and a Zacks Rank 2 [18][19]

Company Overview - PCB Bancorp is headquartered in Los Angeles and operates in the Finance sector [3] - The stock has experienced a price change of -0.35% since the beginning of the year [3] Dividend Information - PCB Bancorp currently pays a dividend of $0.20 per share, resulting in a dividend yield of 3.97%, which is significantly higher than the Banks - Southwest industry's yield of 1.16% and the S&P 500's yield of 1.59% [3] - The company's annualized dividend of $0.80 has increased by 11.1% from the previous year [4] - Over the last 5 years, PCB Bancorp has raised its dividend 3 times year-over-year, averaging an annual increase of 17.45% [4] - The current payout ratio is 41%, indicating that the company pays out 41% of its trailing 12-month earnings per share as dividends [4] Earnings Growth - The Zacks Consensus Estimate for PCB Bancorp's earnings in 2025 is $2.33 per share, with an expected increase of 33.91% from the previous year [5] Investment Appeal - PCB Bancorp is viewed as an attractive dividend play and a compelling investment opportunity, holding a Zacks Rank of 1 (Strong Buy) [7]

Core Viewpoint - PCB Bancorp is showing solid improvement in earnings estimates, which may lead to continued short-term price momentum for the stock [1][2]. Estimate Revisions - The rising trend in earnings estimate revisions reflects growing analyst optimism about PCB Bancorp's earnings prospects, which is expected to positively impact its stock price [2]. - The current-quarter earnings estimate is $0.60 per share, representing a +39.53% change from the previous year, with a 15.53% increase in the Zacks Consensus Estimate over the last 30 days [6]. - For the full year, PCB Bancorp is expected to earn $2.33 per share, a +33.91% change from the prior year, with a 10.45% increase in the consensus estimate due to positive revisions [7][8]. Zacks Rank - PCB Bancorp currently holds a Zacks Rank 1 (Strong Buy), indicating strong agreement among analysts in raising earnings estimates, which historically correlates with stock outperformance [3][9]. - Stocks with Zacks Rank 1 and 2 have shown significant outperformance compared to the S&P 500 [9]. Investment Outlook - The stock has increased by 7.3% over the past four weeks due to strong estimate revisions, suggesting potential for further upside, making it a candidate for investment [10].

Group 1 - The regional banking sector has experienced significant volatility over the past five years, initially declining at the onset of the pandemic before rebounding due to government relief programs [1] - The sector's recovery was driven by major economic support measures implemented to mitigate the impact of the pandemic [1] Group 2 - Ian Bezek, a former hedge fund analyst, has extensive experience in conducting on-the-ground research in Latin American markets, focusing on countries like Mexico, Colombia, and Chile [2] - Bezek specializes in identifying high-quality compounders and growth stocks at reasonable prices in both the US and other developed markets [2]

Company Performance - PCB Bancorp reported quarterly earnings of $0.53 per share, exceeding the Zacks Consensus Estimate of $0.51 per share, and up from $0.33 per share a year ago, representing an earnings surprise of 3.92% [1] - The company posted revenues of $26.86 million for the quarter ended March 2025, which was below the Zacks Consensus Estimate by 0.19%, and an increase from $23.94 million year-over-year [2] - Over the last four quarters, PCB Bancorp has surpassed consensus EPS estimates three times, but has only topped consensus revenue estimates once [2] Stock Outlook - PCB Bancorp shares have declined approximately 5.9% since the beginning of the year, while the S&P 500 has decreased by 8.6% [3] - The company's earnings outlook is favorable, with a current consensus EPS estimate of $0.52 on revenues of $27.66 million for the coming quarter, and $2.11 on revenues of $112.36 million for the current fiscal year [7] - The Zacks Rank for PCB Bancorp is currently 2 (Buy), indicating expectations for the stock to outperform the market in the near future [6] Industry Context - The Banks - Southwest industry, to which PCB Bancorp belongs, is currently ranked in the top 5% of over 250 Zacks industries, suggesting a strong performance potential [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [5]

Financial Performance - Net income available to common shareholders for Q1 2025 was $7.7 million, or $0.53 per diluted common share, representing a 15.1% increase from the previous quarter and a 64.2% increase year-over-year[1][4]. - Net interest income for the current quarter was $24.3 million, a 4.8% increase from the previous quarter and a 15.6% increase year-over-year[4][5]. - The company maintains a positive outlook for the year, with organic growth outpacing its peer group despite current geopolitical uncertainties[3]. - The efficiency ratio was reported at 53.88%, indicating improved operational efficiency compared to 68.29% in the year-ago quarter[5]. - Total noninterest income decreased by 15.2% to $2,580,000 in Q1 2025 from $3,043,000 in Q4 2024[15]. - Total noninterest expense increased by 4.2% to $14,474,000 in Q1 2025 from $13,894,000 in Q4 2024[16]. - Provision for credit losses decreased by 20.2% to $1,598,000 compared to Q4 2024[42]. - Net income rose to $7,735,000, compared to $7,030,000 in the prior quarter and $4,685,000 in the same quarter last year[48]. Asset and Deposit Growth - Total assets increased to $3.18 billion, up $119.8 million, or 3.9%, from the previous quarter and up $329.5 million, or 11.5%, from the same quarter last year[4][5]. - Total deposits reached $2.71 billion, up $98.6 million, or 3.8%, from the previous quarter and up $311.6 million, or 13.0%, from the same quarter last year[4][5]. - Total deposits amounted to $2,714,399 thousand as of March 31, 2025, a 3.8% increase from $2,615,791 thousand at December 31, 2024[29]. - Retail deposits increased by $148.6 million, or 7.0%, from $2.11 billion at December 31, 2024[30]. - Total assets grew to $3,183,758,000, compared to $3,063,971,000 in the previous quarter and $2,854,292,000 a year ago[49]. Loan Performance - Loans held-for-investment rose to $2.73 billion, an increase of $98.2 million, or 3.7%, from the previous quarter and an increase of $329.6 million, or 13.7%, year-over-year[4][5]. - Total loans increased by 3.9% to $2,739,711,000 as of March 31, 2025, from $2,635,679,000 at December 31, 2024[23]. - Loans held-for-sale surged by 92.3% to $12,101,000 in Q1 2025 from $6,292,000 in Q4 2024[23]. - The total loan to total deposit ratio was 100.93%, slightly up from 100.76%[39]. Credit Quality - The provision for credit losses was $1.6 million, down 20.2% from the previous quarter and up 46.6% year-over-year[4][5]. - The allowance for credit losses on loans to loans held-for-investment ratio was 1.17% as of March 31, 2025, slightly up from 1.16% at December 31, 2024[4]. - Total nonaccrual loans held-for-investment increased to $6,248 thousand as of March 31, 2025, a 33.1% increase from $4,693 thousand at December 31, 2024[26]. - Allowance for Credit Losses (ACL) on loans rose to $31,942 thousand at March 31, 2025, reflecting a 4.3% increase from $30,628 thousand at December 31, 2024[27]. Shareholder Information - The company paid a dividend of $0.20 per common share, an increase from $0.18 in Q4 2024[42]. - Total shareholders' equity increased to $370,864,000, up from $363,814,000 in the previous quarter and $350,005,000 a year ago[49]. - Book value per common share improved to $25.78 from $25.30 in the prior quarter and $24.54 year-over-year[49]. - The company repurchased 50,676 shares of common stock at a weighted-average price of $18.80, totaling $953 thousand during the current quarter[33].