What does PCB's earnings trend suggest for 2025?

**PCB's earnings trend suggests a positive outlook for 2025.** Here's a detailed analysis:

1. **Consistent Growth**: PCB Bancorp has demonstrated consistent earnings growth, with a reported EPS of $0.46 for the quarter ended December 31, 2024, which is higher than the same quarter last year's EPS of $0.41. This indicates a strong trend of increasing earnings.
2. **Analyst Expectations**: The Zacks Consensus Estimate for 2025 is $2.11 per share, representing a year-over-year growth rate of 21.26%. This suggests that analysts are optimistic about PCB's future earnings potential.
3. **Dividend Growth**: PCB Bancorp has a history of dividend growth, with an annualized dividend increase of 17.40% over the last 5 years. The company's current payout ratio is 41%, which is considered sustainable. The consistent dividend growth suggests a strong financial performance and confidence in future earnings.
4. **Recent Performance**: The company's shares have fallen by 6.2% this quarter, but this decline does not seem to reflect negatively on the earnings trend. In fact, the mean earnings estimate of analysts had only fallen by about 0.2% in the last three months, and there have been no earnings estimate revisions by analysts covering the company. This stability in estimates suggests that the recent decline may be more related to market conditions than underlying earnings concerns.
5. **Strategic Insider Transactions**: Recent insider transactions, such as the sale by director Daniel Cho and the acquisition by director Don Rhee, can provide insights into the confidence that insiders have in the company's future performance. While the sale by Cho might suggest a personal financial decision, Rhee's acquisition of shares at a significant price point could indicate a positive outlook.

In conclusion, PCB Bancorp's consistent earnings growth, analyst expectations, dividend growth, recent performance, and strategic insider transactions all point to a positive earnings trend for 2025.