Core Viewpoint - PCB Bancorp reported quarterly earnings of $0.62 per share, exceeding the Zacks Consensus Estimate of $0.60 per share, and showing an increase from $0.43 per share a year ago, indicating a positive earnings surprise of +3.33% [1][2] Financial Performance - The company achieved revenues of $29.29 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 0.47%, and up from $24.22 million year-over-year [2] - Over the last four quarters, PCB Bancorp has exceeded consensus EPS estimates three times and topped revenue estimates twice [2] Stock Performance - PCB Bancorp shares have increased approximately 6.3% since the beginning of the year, while the S&P 500 has gained 8.1% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the market in the near future [6] Future Outlook - The current consensus EPS estimate for the upcoming quarter is $0.60 on revenues of $29.8 million, and for the current fiscal year, it is $2.33 on revenues of $116 million [7] - The outlook for the industry, particularly the Banks - Southwest sector, is favorable, ranking in the top 13% of over 250 Zacks industries, suggesting potential for outperformance [8]

[Q2 2025 Earnings Overview](index=1&type=section&id=PCB%20Bancorp%20Reports%20Earnings%20for%20Q2%202025) PCB Bancorp reported strong financial results for Q2 2025, marked by significant growth in net income, earnings per share, and total assets [Financial Highlights](index=1&type=section&id=Financial%20Highlights%20%28Unaudited%29) PCB Bancorp achieved strong financial performance in Q2 2025, with significant growth in net income, earnings per share, and total assets, alongside an expanded net interest margin Key Financial Performance Metrics | Metric | Q2 2025 | Q1 2025 | Q2 2024 | | :--- | :--- | :--- | :--- | | Net Income to Common Shareholders | $9.0 million | $7.7 million | $6.1 million | | Diluted EPS | $0.62 | $0.53 | $0.43 | | Net Interest Income | $26.0 million | $24.3 million | $21.7 million | | Net Interest Margin | 3.33% | 3.28% | 3.16% | Balance Sheet Growth | Balance Sheet Item | June 30, 2025 | % Change from March 31, 2025 | % Change from June 30, 2024 | | :--- | :--- | :--- | :--- | | Total Assets | $3.31 billion | +3.8% | +15.9% | | Loans Held-for-Investment | $2.80 billion | +2.5% | +14.1% | | Total Deposits | $2.82 billion | +4.0% | +17.3% | - The company expanded its geographic footprint by opening its first full-service branch in Suwanee, Georgia, as part of its long-term growth strategy[3](index=3&type=chunk)[4](index=4&type=chunk) [Results of Operations](index=3&type=section&id=Result%20of%20Operations%20%28Unaudited%29) The company's operational results for Q2 2025 show strong net interest income growth, increased noninterest income, and improved efficiency, despite higher credit loss provisions [Net Interest Income and Net Interest Margin](index=3&type=section&id=Net%20Interest%20Income%20and%20Net%20Interest%20Margin) Net interest income significantly increased in Q2 2025, driven by strong loan growth and an expanded net interest margin due to lower deposit costs Net Interest Income and Margin Trends | Metric | Q2 2025 ($ in thousands) | Q1 2025 ($ in thousands) | Q2 2024 ($ in thousands) | | :--- | :--- | :--- | :--- | | Net Interest Income | $25,990 | $24,283 | $21,735 | | Net Interest Margin | 3.33% | 3.28% | 3.16% | - The increase in net interest income was driven by a **5.0% QoQ growth** in the average balance of loans, which reached **$2.78 billion**[8](index=8&type=chunk) - The average cost of interest-bearing deposits decreased to **4.13%** in Q2 2025 from **4.28%** in Q1 2025, contributing to the NIM expansion[8](index=8&type=chunk)[12](index=12&type=chunk) [Provision for Credit Losses](index=4&type=section&id=Provision%20for%20Credit%20Losses) The provision for credit losses totaled $1.8 million in Q2 2025, up from $1.6 million in the prior quarter and $259 thousand in the year-ago quarter, primarily attributed to the growth in loans held-for-investment Provision for Credit Losses Breakdown | Provision for Credit Losses | Q2 2025 ($ in thousands) | Q1 2025 ($ in thousands) | Q2 2024 ($ in thousands) | | :--- | :--- | :--- | :--- | | On Loans | $1,721 | $1,591 | $329 | | On Off-Balance Sheet Exposure | $66 | $7 | $(70) | | **Total** | **$1,787** | **$1,598** | **$259** | - The provision for credit losses on loans for the current quarter was primarily due to an increase in loans held-for-investment[13](index=13&type=chunk) [Noninterest Income](index=5&type=section&id=Noninterest%20Income) Noninterest income increased significantly to $3.3 million in Q2 2025, a 27.8% rise from the previous quarter and a 32.7% rise from the same quarter last year, primarily driven by a substantial increase in the gain on sale of loans Noninterest Income Components | Noninterest Income Component | Q2 2025 ($ in thousands) | Q1 2025 ($ in thousands) | Q2 2024 ($ in thousands) | | :--- | :--- | :--- | :--- | | Gain on sale of loans | $1,465 | $887 | $763 | | Loan servicing income | $760 | $725 | $799 | | Other income | $444 | $349 | $323 | | **Total Noninterest Income** | **$3,297** | **$2,580** | **$2,485** | - The gain on sale of SBA loans recognized in Q2 2025 was **$1.47 million** from a sold loan balance of **$26.9 million**, a significant increase from the prior quarter's gain of **$887 thousand** from a sold balance of **$16.6 million**[15](index=15&type=chunk) [Noninterest Expense](index=6&type=section&id=Noninterest%20Expense) Noninterest expense remained disciplined in Q2 2025, with a modest increase quarter-over-quarter and a decrease year-over-year, significantly improving the efficiency ratio - The efficiency ratio improved to **50.63%** in Q2 2025, compared to **53.88%** in Q1 2025 and **62.65%** in Q2 2024[5](index=5&type=chunk) - Salaries and employee benefits decreased by **2.5% QoQ** to **$8.8 million**, primarily due to lower bonus and vacation accruals and higher deferred loan origination costs[16](index=16&type=chunk)[17](index=17&type=chunk) - Marketing and business promotion expenses increased **145.7% QoQ** due to higher advertising, while data processing costs decreased **36.0% YoY** following a core system conversion in April 2024[16](index=16&type=chunk)[19](index=19&type=chunk) [Balance Sheet Analysis](index=7&type=section&id=Balance%20Sheet%20%28Unaudited%29) The balance sheet reflects continued growth in loans and deposits, while credit quality metrics show some deterioration, and capital ratios remain strong [Loan Portfolio](index=7&type=section&id=Loans) The total loan portfolio grew to $2.80 billion as of June 30, 2025, a 2.3% increase from the prior quarter, primarily driven by new funding in term loans, with commercial real estate loans remaining the largest component Loan Portfolio Composition | Loan Category | 6/30/2025 ($ in thousands) | 3/31/2025 ($ in thousands) | % Change | | :--- | :--- | :--- | :--- | | Total commercial real estate | $1,886,460 | $1,815,147 | 3.9% | | Commercial and industrial | $492,857 | $494,697 | (0.4)% | | Total consumer | $415,992 | $417,766 | (0.4)% | | **Loans held-for-investment** | **$2,795,309** | **$2,727,610** | **2.5%** | - The quarterly increase in loans held-for-investment was driven by **$191.9 million** in new term loan funding, partially offset by **$111.6 million** in pay-downs and pay-offs[23](index=23&type=chunk) [Credit Quality](index=8&type=section&id=Credit%20Quality) Credit quality metrics showed some deterioration in Q2 2025, with an increase in non-performing loans and a higher allowance for credit losses Credit Quality Metrics | Credit Quality Metric | 6/30/2025 ($ in thousands) | 3/31/2025 ($ in thousands) | 6/30/2024 ($ in thousands) | | :--- | :--- | :--- | :--- | | Non-performing loans (NPLs) | $8,932 | $6,248 | $7,500 | | NPLs to loans held-for-investment | 0.32% | 0.23% | 0.31% | | Non-performing assets (NPAs) to total assets | 0.27% | 0.20% | 0.26% | | Classified assets | $16,433 | $8,280 | $9,752 | - The Allowance for Credit Losses (ACL) on loans increased to **$33.6 million** at the end of Q2 2025, up from **$31.9 million** at the end of Q1 2025[27](index=27&type=chunk) [Deposits and Liquidity](index=9&type=section&id=Deposits) Total deposits grew by 4.0% quarter-over-quarter to $2.82 billion, with noninterest-bearing demand deposits remaining a stable funding source, and the company maintaining a strong liquidity position Deposit Composition | Deposit Type | 6/30/2025 ($ in thousands) | % to Total | | :--- | :--- | :--- | | Noninterest-bearing demand | $575,905 | 20.4% | | Retail money market accounts | $533,032 | 18.7% | | Retail time deposits | $1,204,517 | 42.7% | | State and brokered time deposits | $491,000 | 17.4% | | **Total Deposits** | **$2,822,915** | **100.0%** | Liquidity Position | Liquidity Position | 6/30/2025 ($ in thousands) | | :--- | :--- | | Cash and cash equivalents | $263,567 | | Total available borrowing capacity | $1,590,551 | [Shareholders' Equity and Capital](index=10&type=section&id=Shareholders%27%20Equity) Shareholders' equity increased in Q2 2025, driven by net income and partially offset by share repurchases and dividends, with all capital ratios remaining well above regulatory requirements - The increase in shareholders' equity for the quarter was primarily due to net income, partially offset by repurchases of common stock (**$1.8 million**) and cash dividends on common stock (**$2.9 million**)[32](index=32&type=chunk) - Year-to-date, the company repurchased **149,304 shares** of common stock for a total of **$2.7 million**, with **428,473 shares** remaining in the current repurchase program expiring on August 2, 2025[33](index=33&type=chunk) Consolidated Capital Ratios | Capital Ratio (Consolidated) | 6/30/2025 | Well Capitalized Minimum | | :--- | :--- | :--- | | Common tier 1 capital | 11.14% | N/A | | Tier 1 capital | 13.60% | N/A | | Total capital | 14.84% | N/A | | Tier 1 leverage | 11.81% | N/A | [Financial Statements and Non-GAAP Measures](index=12&type=section&id=Consolidated%20Balance%20Sheets%20%28Unaudited%29) This section provides detailed unaudited consolidated financial statements and reconciliations for non-GAAP financial measures used in performance analysis [Consolidated Financial Statements](index=12&type=section&id=Consolidated%20Balance%20Sheets%20%28Unaudited%29) This section presents the detailed unaudited consolidated balance sheets, statements of income, and average balance, yield, and rate tables for the specified periods - The report includes the Consolidated Balance Sheets, providing a detailed snapshot of assets, liabilities, and shareholders' equity[40](index=40&type=chunk) - The Consolidated Statements of Income detail the company's revenues, expenses, and profitability for the three and six-month periods ended June 30, 2025[42](index=42&type=chunk) - Detailed tables analyzing average balances, yields on assets, and costs of liabilities are provided to support the net interest income and margin analysis[44](index=44&type=chunk)[47](index=47&type=chunk) [Non-GAAP Reconciliations](index=16&type=section&id=Non-GAAP%20Financial%20Measures) The company provides reconciliations for several non-GAAP financial measures used by management to analyze performance, including Return on Average Tangible Common Equity (ROATCE), Tangible Common Equity (TCE) per common share, and the ratio of TCE to total assets Non-GAAP Financial Measures Reconciliation | Non-GAAP Metric | Q2 2025 | Q1 2025 | Q2 2024 | | :--- | :--- | :--- | :--- | | ROATCE (annualized) | 11.87% | 10.45% | 8.75% | | TCE per common share | $21.44 | $20.97 | $19.95 | | TCE to total assets | 9.30% | 9.48% | 9.97% | - These non-GAAP measures are presented as supplemental information and are calculated by excluding preferred stock from shareholders' equity, as the company had no intangible assets[50](index=50&type=chunk)

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]

Group 1: Company Highlights - Carvana (CVNA) is a leading e-commerce platform for buying and selling used cars, with a Zacks Consensus Estimate for current year earnings increasing by 33.3% over the last 60 days [1] - PCB Bancorp (PCB) is a bank holding company offering various financial services, with a Zacks Consensus Estimate for current year earnings increasing by 14.2% over the last 60 days [2] - Pan American Silver (PAAS) focuses exclusively on silver mining, with a Zacks Consensus Estimate for current year earnings increasing by 10.7% over the last 60 days [3] - Howmet Aerospace (HWM) provides engineered solutions for the transportation and aerospace industries, with a Zacks Consensus Estimate for current year earnings increasing by 7.1% over the last 60 days [3] - Shore Bancshares (SHBI) is engaged in banking services, with a Zacks Consensus Estimate for current year earnings increasing by 5% over the last 60 days [4] Group 2: Market Insights - The Zacks Rank 1 (Strong Buy) List includes stocks that have shown significant increases in earnings estimates, indicating potential investment opportunities [5]

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]