Pcb Bancorp Financials
Pcb Bancorp (PCB) reported $2.9M in revenue for fiscal year 2025, up 4.5% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 10 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
PCB Bancorp’s balance-sheet growth is being funded mainly by liability expansion, while cash generation trails the profit rebound.
From FY2023 to FY2025, assets rose from$2.79B to$3.28B , yet leverage stayed near 7x equity, which implies new earning assets were added mostly through liabilities rather than a major capital build. That funding mix matters because FY2025 net income rebounded to$37.5M while operating cash flow was only$26.6M , so accounting profit recovered faster than cash.
Capital intensity is low: with only
Profitability improved after FY2024, with return on assets rising to
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Pcb Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for Pcb Bancorp, and counted as zero in the overall score.
Pcb Bancorp passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Pcb Bancorp generates $0.71 in operating cash flow ($26.6M OCF vs $37.5M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Earnings & Revenue
Pcb Bancorp generated $2.9M in revenue in fiscal year 2025. This represents an increase of 4.5% from the prior year.
Pcb Bancorp reported $37.5M in net income in fiscal year 2025. This represents an increase of 45.1% from the prior year.
Pcb Bancorp earned $2.58 per diluted share (EPS) in fiscal year 2025. This represents an increase of 48.3% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Pcb Bancorp generated $24.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 30.1% from the prior year.
Pcb Bancorp held $207.1M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Pcb Bancorp paid $0.80 per share in dividends in fiscal year 2025. This represents an increase of 11.1% from the prior year.
Margins & Returns
Pcb Bancorp's ROE was 9.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.5 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.
Capital Allocation
Pcb Bancorp spent $7.1M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 3098.6% from the prior year.
Pcb Bancorp invested $2.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 46.2% from the prior year.
Not reported for fiscal year 2025.
PCB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.1M | $2.9M+4.5% | $2.8M+4.7% | $2.6M+0.3% | $2.6M+11.5% | $2.4M+6.2% | $2.2M-12.5% | $2.6M+4.6% | $2.4M+10.9% | $2.2M-1.0% | $2.2M |
| SG&A Expenses | $37.9M | $36.6M+2.5% | $35.7M+3.1% | $34.6M+4.6% | $33.1M+18.2% | $28.0M+7.0% | $26.1M0.0% | $26.1M+6.8% | $24.5M+7.2% | $22.8M+14.5% | $19.9M |
| Interest Expense | $92.3M | $93.7M+1.6% | $92.2M+47.1% | $62.7M+417.1% | $12.1M+179.6% | $4.3M-68.1% | $13.6M-43.2% | $23.9M+33.2% | $18.0M+77.8% | $10.1M+44.0% | $7.0M |
| Income Tax | $16.8M | $15.0M+43.5% | $10.5M-16.6% | $12.6M-12.9% | $14.4M-14.5% | $16.9M+146.6% | $6.8M-33.3% | $10.2M-1.9% | $10.4M-30.1% | $14.9M+43.6% | $10.4M |
| Net Income | $41.8M | $37.5M+45.1% | $25.8M-15.9% | $30.7M-12.2% | $35.0M-12.8% | $40.1M+147.9% | $16.2M-32.9% | $24.1M-0.8% | $24.3M+48.1% | $16.4M+17.1% | $14.0M |
| EPS (Diluted) | — | $2.58+48.3% | $1.74-17.9% | $2.12-8.2% | $2.31-11.8% | $2.62+151.9% | $1.04-30.2% | $1.49-9.7% | $1.65+36.4% | $1.21+9.0% | $1.11 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
PCB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.3B+7.1% | $3.1B+9.8% | $2.8B+15.3% | $2.4B+12.6% | $2.1B+11.8% | $1.9B+10.1% | $1.7B+2.9% | $1.7B+17.7% | $1.4B | N/A |
| Cash & Equivalents | $207.1M+4.2% | $198.8M-18.0% | $242.3M+64.8% | $147.0M-27.7% | $203.3M+4.7% | $194.1M+32.7% | $146.2M-9.9% | $162.3M+120.3% | $73.7M+5.3% | $70.0M |
| Total Liabilities | $2.9B+7.1% | $2.7B+10.6% | $2.4B+17.1% | $2.1B+10.1% | $1.9B+12.1% | $1.7B+11.2% | $1.5B+2.2% | $1.5B+14.4% | $1.3B | N/A |
| Total Equity | $390.0M+7.2% | $363.8M+4.3% | $348.9M+4.0% | $335.4M+30.9% | $256.3M+9.6% | $233.8M+3.1% | $226.8M+7.9% | $210.3M+47.9% | $142.2M+11.9% | $127.0M |
| Retained Earnings | $186.5M+16.0% | $160.8M+10.1% | $146.1M+14.9% | $127.2M+25.7% | $101.1M+49.4% | $67.7M+17.4% | $57.7M+53.5% | $37.6M+149.9% | $15.0M | N/A |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Long-Term Debt.
PCB Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $41.4M | $26.6M-31.8% | $39.0M-38.5% | $63.3M+10.6% | $57.3M+3641.6% | -$1.6M-109.5% | $17.1M-43.3% | $30.1M-1.8% | $30.7M+44.7% | $21.2M-47.2% | $40.2M |
| Capital Expenditures | $509K | $2.2M-46.2% | $4.1M+209.9% | $1.3M-75.9% | $5.5M+1168.1% | $430K-75.9% | $1.8M+151.3% | $710K-37.7% | $1.1M-11.0% | $1.3M-35.3% | $2.0M |
| Free Cash Flow | $40.9M | $24.4M-30.1% | $34.9M-43.7% | $62.0M+19.7% | $51.8M+2631.2% | -$2.0M-113.4% | $15.3M-47.9% | $29.4M-0.5% | $29.5M+48.2% | $19.9M-47.9% | $38.2M |
| Investing Cash Flow | -$165.3M | -$200.1M+35.8% | -$311.7M-13.2% | -$275.3M+22.8% | -$356.7M-103.5% | -$175.2M-31.9% | -$132.8M-114.6% | -$61.9M+63.2% | -$168.1M+22.0% | -$215.5M-0.7% | -$214.0M |
| Financing Cash Flow | $125.5M | $181.9M-20.6% | $229.2M-25.4% | $307.2M+26.4% | $243.1M+30.7% | $186.0M+13.7% | $163.6M+939.5% | $15.7M-93.0% | $226.1M+14.2% | $198.0M+18.7% | $166.8M |
| Dividends Paid | $12.0M | $11.5M+11.6% | $10.3M+3.7% | $9.9M+10.8% | $8.9M+34.4% | $6.7M+8.2% | $6.2M+55.3% | $4.0M+125.1% | $1.8M+9.4% | $1.6M+16.6% | $1.4M |
| Share Buybacks | $8.2M | $7.1M+3098.6% | $222K-97.5% | $8.8M+31.1% | $6.7M-38.1% | $10.9M+67.7% | $6.5M+0.1% | $6.5M | $0 | $0 | N/A |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
PCB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 1291.9% | 930.4% | 1158.7% | 1324.3% | 1692.8% | 725.0% | 945.0% | 996.4% | 745.9% | 630.4% |
| Return on Equity | 9.6%+2.5pp | 7.1%-1.7pp | 8.8%-1.6pp | 10.4%-5.2pp | 15.7%+8.7pp | 6.9%-3.7pp | 10.6%-0.9pp | 11.6%0.0pp | 11.5%+0.5pp | 11.0% |
| Return on Assets | 1.1%+0.3pp | 0.8%-0.3pp | 1.1%-0.4pp | 1.5%-0.4pp | 1.9%+1.0pp | 0.8%-0.5pp | 1.4%-0.1pp | 1.4%+0.3pp | 1.1% | N/A |
| Debt-to-Equity | 7.410.0x | 7.42+0.4x | 7.00+0.8x | 6.21-1.2x | 7.39+0.2x | 7.22+0.5x | 6.70-0.4x | 7.07-2.1x | 9.14 | N/A |
| FCF Margin | 841.5% | 1258.5% | 2340.7% | 1961.2% | -86.4% | 686.2% | 1152.9% | 1211.3% | 906.3% | 1720.7% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.
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Where Pcb Bancorp Ranks
Frequently Asked Questions
What is Pcb Bancorp's annual revenue?
Pcb Bancorp (PCB) reported $2.9M in total revenue for fiscal year 2025. This represents a 4.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Pcb Bancorp's revenue growing?
Pcb Bancorp (PCB) revenue grew by 4.5% year-over-year, from $2.8M to $2.9M in fiscal year 2025.
Is Pcb Bancorp profitable?
Yes, Pcb Bancorp (PCB) reported a net income of $37.5M in fiscal year 2025.
Does Pcb Bancorp pay dividends?
Yes, Pcb Bancorp (PCB) paid $0.80 per share in dividends during fiscal year 2025.
What is Pcb Bancorp's return on equity (ROE)?
Pcb Bancorp (PCB) has a return on equity of 9.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Pcb Bancorp's free cash flow?
Pcb Bancorp (PCB) generated $24.4M in free cash flow during fiscal year 2025. This represents a -30.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Pcb Bancorp's operating cash flow?
Pcb Bancorp (PCB) generated $26.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Pcb Bancorp's total assets?
Pcb Bancorp (PCB) had $3.3B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Pcb Bancorp's capital expenditures?
Pcb Bancorp (PCB) invested $2.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Pcb Bancorp's debt-to-equity ratio?
Pcb Bancorp (PCB) had a debt-to-equity ratio of 7.41 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Pcb Bancorp's return on assets (ROA)?
Pcb Bancorp (PCB) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Pcb Bancorp's Piotroski F-Score?
Pcb Bancorp (PCB) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Pcb Bancorp's earnings high quality?
Pcb Bancorp (PCB) has an earnings quality ratio of 0.71x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Pcb Bancorp?
Pcb Bancorp (PCB) scores 54 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.