PCB Bancorp (PCB) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Financial Performance - PCB Bancorp reported $26 21 million in revenue for Q4 2024, a 7 3% YoY increase [1] - EPS for the quarter was $0 46, up from $0 41 a year ago [1] - Revenue exceeded the Zacks Consensus Estimate of $25 88 million by 1 28% [1] - EPS matched the consensus estimate of $0 46, with no surprise [1] Key Metrics Analysis - Average Balance - Total interest-earning assets: $2 89 billion, slightly above the two-analyst average estimate of $2 86 billion [4] - Efficiency ratio: 53%, better than the 57 1% estimated by two analysts [4] - Non-Performing Loans: $4 69 million, below the $6 64 million average estimate [4] - Net Interest Margin: 3 2%, in line with the two-analyst average estimate [4] - Non-Performing Assets: $4 69 million, below the $6 87 million average estimate [4] - Total Noninterest Income: $3 04 million, above the $2 94 million average estimate [4] - Net Interest Income: $23 16 million, slightly above the $22 89 million estimated by two analysts [4] Stock Performance - Shares of PCB Bancorp returned -6 2% over the past month, underperforming the Zacks S&P 500 composite's +1 2% change [3] - The stock currently has a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]