PCB Bancorp Q4 EPS $0.46, net income $6.7M; loan growth 6.6% seq., dividend $0.20

PCB BANCORP

2024-FY EPS reported $1.74 revenue$2,774,000

Q4 net income $6.7M ($0.46 EPS) vs Q3 $7.5M ($0.52) and Q4 2023 $5.9M ($0.41).
FY 2024 net income $25.0M ($1.74 EPS) down 18.7% from FY 2023 $30.7M ($2.12).
Net interest margin 3.18% (down 7 bps QoQ, 22 bps YoY); provision for credit losses $2.0M in Q4.
Loans held-for-investment $2.63B (+6.6% seq., +13.2% YoY); deposits $2.62B (+6.3% seq., +11.2% YoY).
Declared $0.20 quarterly dividend, payable Feb 21, 2025 to holders of record Feb 14, 2025.

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