Henry Kim: Q4 2025 Net Income of $9.1 Million
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1d ago
0mins
Henry Kim, President and CEO, commented, "We are pleased to report fourth quarter net income of $9.1 million or $0.64 per diluted share and for the full year 2025, net income of $37.2 million or $2.58 per diluted share. Our total loan growth for the quarter was $70 million or 10% on an annualized basis as we continue to experience strong loan demand. Deposit decreased $118 million for the quarter due to a reduction of $100 million in brokered deposits and $18 million in retail deposits. Retail deposit balance decreased primarily because we intentionally did not compete with marketplace deposit rates that remain elevated despite recent FOMC rate cuts. However, despite the elevated deposit rates in our marketplace and recent interest rate cuts that decreased the yield on our variable loan portfolio, we effectively maintained our net interest margin at 3.28% during the fourth quarter. Additionally, expenses were well-controlled, and the credit quality remained solid."
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Analyst Views on PCB
Wall Street analysts forecast PCB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for PCB is 25.25 USD with a low forecast of 25.00 USD and a high forecast of 25.50 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
0 Buy
3 Hold
0 Sell
Hold
Current: 22.020
Low
25.00
Averages
25.25
High
25.50
Current: 22.020
Low
25.00
Averages
25.25
High
25.50
About PCB
PCB Bancorp is a bank holding company for PCB Bank (the Bank). The Bank offers a suite of commercial banking services to small to medium-sized businesses, individuals and professionals, primarily in Southern California, and predominantly in Korean-American and other minority communities. It offers a range of online banking solutions that include access to account balances, online transfers, online bill payment and electronic delivery of customer statements, mobile banking solutions, including remote check deposit and mobile bill pay. The Bank offers automated teller machines and banking by telephone, mail, personal appointment, debit cards, as well as treasury management, wire transfer, and automated clearing house services. The Banks lending activities portfolio consists of commercial real estate loans, commercial and industrial loans, and consumer loans. Its investment securities portfolio includes mortgage-backed securities and collateralized mortgage obligations, among others.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
PCB Bancorp Reports Q4 Earnings Highlights
- Earnings Per Share: PCB Bancorp reported a Q4 GAAP EPS of $0.64, indicating stability in profitability despite market challenges, which may reassure investors.
- Revenue Performance: The company generated $29.17 million in revenue for Q4, demonstrating its ability to maintain a relatively healthy income level in the current economic environment, thereby boosting investor confidence.
- Financial Transparency: PCB Bancorp provided detailed financial information and historical earnings data, enhancing market understanding of its financial health and aiding in attracting potential investors.
- Dividend Performance: The release of the dividend scorecard reflects the company's commitment to returning value to shareholders, further increasing its appeal among investors.
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PCB Bancorp Reports Q4 2025 Net Income of $9.1 Million
- Net Income Performance: PCB Bancorp reported a net income of $9.1 million for Q4 2025, translating to $0.64 per diluted share, which reflects a 19.2% decline from the previous quarter but a 36.9% increase year-over-year, demonstrating resilience amid economic fluctuations.
- Credit Loss Provision: The provision for credit losses was $1.0 million this quarter, down 50% from $2.0 million a year ago, indicating positive progress in credit quality management despite market challenges.
- Asset and Loan Growth: As of December 31, 2025, total assets stood at $3.28 billion, a 2.4% decrease from the previous quarter, while loans held-for-investment reached $2.82 billion, reflecting a 7.3% year-over-year growth, showcasing the company's growth potential amid strong loan demand.
- Deposit Changes: Total deposits were $2.80 billion, down 4.1% from the previous quarter, primarily due to a $100 million reduction in brokered deposits, indicating the company's strategic adjustments in a high-rate environment.
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