Compared to Estimates, PCB Bancorp (PCB) Q2 Earnings: A Look at Key Metrics

Financial Performance - PCB Bancorp reported revenue of $29.29 million for the quarter ended June 2025, marking a year-over-year increase of 20.9% [1] - The earnings per share (EPS) for the same period was $0.62, compared to $0.43 a year ago, indicating a significant improvement [1] - The reported revenue exceeded the Zacks Consensus Estimate of $29.15 million by 0.47% [1] - The EPS also surpassed the consensus estimate of $0.60 by 3.33% [1] Key Metrics - Total interest-earning assets averaged $3.13 billion, slightly below the estimated $3.14 billion [4] - The efficiency ratio was reported at 50.6%, better than the average estimate of 52.9% [4] - Non-Performing Loans stood at $8.93 million, higher than the average estimate of $6.47 million [4] - The net interest margin was consistent at 3.3%, matching the average estimate [4] - Total Noninterest Income was $3.3 million, slightly above the average estimate of $3.2 million [4] - Net Interest Income was reported at $25.99 million, marginally exceeding the estimate of $25.95 million [4] Stock Performance - Shares of PCB Bancorp have returned +5.1% over the past month, compared to the Zacks S&P 500 composite's +5.7% change [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]