NBC Bancorp (OTCMKTS:NCXS – Get Free Report) and PCB Bancorp (NASDAQ:PCB – Get Free Report) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their valuation, institutional ownership, risk, dividends, analyst recommendations, profitability and earnings.
Analyst Ratings
This is a summary of current recommendations for NBC Bancorp and PCB Bancorp, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| NBC Bancorp | 0 | 0 | 0 | 0 | 0.00 |
| PCB Bancorp | 0 | 3 | 0 | 1 | 2.50 |
PCB Bancorp has a consensus target price of $27.75, suggesting a potential upside of 0.95%. Given PCB Bancorp’s stronger consensus rating and higher probable upside, analysts clearly believe PCB Bancorp is more favorable than NBC Bancorp.
Earnings and Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| NBC Bancorp | N/A | N/A | N/A | N/A | N/A |
| PCB Bancorp | $209.37 million | 1.84 | $37.45 million | $2.89 | 9.51 |
PCB Bancorp has higher revenue and earnings than NBC Bancorp.
Profitability
This table compares NBC Bancorp and PCB Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| NBC Bancorp | N/A | N/A | N/A |
| PCB Bancorp | 19.65% | 12.91% | 1.24% |
Insider & Institutional Ownership
33.0% of PCB Bancorp shares are held by institutional investors. 27.0% of PCB Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Summary
PCB Bancorp beats NBC Bancorp on 9 of the 9 factors compared between the two stocks.
About NBC Bancorp
NBC Bancorp, Inc., operates as the bank holding company for National Bank of Coxsackie that provides various banking products and services in the United States. The company offers checking and savings accounts, young adult accounts, and Christmas club accounts; car/truck loans, boat/motorcycle loans, personal loans, recreational vehicle loans, farm equipment loans, camping and utility trailer loans, mortgages, construction loans, home equity loans, small business loans, commercial new building loans, building rehabilitation loans, and lines of credit; and debit and credit cards. It also provides cash management, merchant, and online and mobile banking services, as well as safe deposit boxes. The company was founded in 1852 and is based in Coxsackie, New York.
About PCB Bancorp
PCB Bancorp operates as the bank holding company for PCB Bank that provides various banking products and services to small to medium-sized businesses, individuals, and professionals in Southern California. The company offers demand, savings, money market, and time deposits, as well as certificates of deposit; and trade finance, remote deposit capture, courier deposit services, positive pay services, zero balance accounts, and sweep accounts. It also provides real estate loans, including commercial and residential, Small Business Administration (SBA) property, and construction loans; commercial and industrial loans, such as commercial term and lines of credit, SBA commercial term, and SBA Paycheck Protection Program loans; and consumer loans comprising residential mortgage; and automobile loans, unsecured lines of credit, and term loans. In addition, the company offers access to account balances, online transfers, and online bill payment and electronic delivery of customer statements; and mobile banking solutions that include remote check deposit and mobile bill pay. Further, it provides automated teller machines; and banking by telephone, mail, personal appointment, debit cards, direct deposit, and cashier's checks, as well as treasury management, wire transfer, and automated clearing house services. The company operates through a network of full-service branches in Los Angeles and Orange counties, California; Carrollton and Dallas, Texas; and Englewood Cliffs and Palisade Park, New Jersey, and Bayside, New York. It also operates loan production offices in Los Angeles and Orange Counties, California; Annandale, Virginia; Atlanta, Georgia; Bellevue, Washington; Aurora, Colorado; and Carrollton, Texas. The company was formerly known as Pacific City Financial Corporation and changed its name to PCB Bancorp in July 2019. PCB Bancorp was founded in 2003 and is headquartered in Los Angeles, California.
Receive News & Ratings for NBC Bancorp Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for NBC Bancorp and related companies with MarketBeat.com's FREE daily email newsletter.
