PCB Bancorp (PCB) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 8, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the PCB SEC filings page.
PCB Bancorp (PCB) reported $120.4M in revenue over the twelve months to Jun 30, 2026, up 11.8% from the prior twelve months. 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 earnings recovered, but liability-funded balance-sheet growth left cash generation lagging profit.
Net income rose to$37.5M in FY2025, yet operating cash flow fell to$26.6M . That split, alongside free cash flow of$24.4M , says the earnings rebound was not matched by cash release; for a balance-sheet business, funding and investment movements can dominate reported cash, so cash flow needs to be interpreted with capital structure rather than as a simple profit scoreboard.
The reported debt-to-equity ratio was 7.4x in FY2025 and little changed from FY2024, indicating balance-sheet expansion remained heavily liability-funded rather than shifting toward equity. This structure helps explain why asset growth can coexist with modest returns: the institution is scaling a large asset base with relatively thin equity underneath it.
ROA recovered 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.
PCB Bancorp earned a return on assets of 1.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.8% the prior year. Earnings ranks banks on that return over three years, and PCB Bancorp scores 63/100 among other banks.
PCB Bancorp reported revenue of $115.7M in fiscal year 2025, against $99.7M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and PCB Bancorp scores 50/100 among other banks.
PCB Bancorp funded 11.9% of its assets with shareholders' equity at the end of fiscal year 2025, holding $390.0M of equity against $3.3B of assets. Capital ranks banks on that cushion, and PCB Bancorp scores 57/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. PCB Bancorp scores 81/100 on it among other banks.
Not available for PCB Bancorp, and counted as zero in the overall score.
PCB Bancorp reported net income of $37.5M in fiscal year 2025, against $25.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and PCB Bancorp scores 74/100 among other banks.
PCB Bancorp passes 5 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, both operating efficiency signals pass.
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 $30.7M in revenue in Q2 2026. This represents an increase of 4.8% from the same quarter a year earlier. Against the prior quarter it is up 1.7%.
PCB Bancorp reported $10.5M in net income in Q2 2026. This represents an increase of 15.8% from the same quarter a year earlier. Against the prior quarter it is down 1.4%.
PCB Bancorp earned $0.73 per diluted share (EPS) in Q2 2026. This represents an increase of 17.7% from the same quarter a year earlier. Against the prior quarter it is down 1.4%.
Not reported for Q2 2026.
Cash & Balance Sheet
PCB Bancorp generated $1.2M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 67.5% from the same quarter a year earlier. Against the prior quarter it is down 94.0%.
PCB Bancorp held $265.2M in cash as of Q2 2026; long-term debt is not reported for that period.
PCB Bancorp paid $0.22 per share in dividends in Q2 2026. This represents an increase of 10.0% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
PCB Bancorp's net profit margin was 34.2% in Q2 2026, showing the share of revenue converted to profit. This is up 3.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.1 percentage points.
PCB Bancorp's ROE was 2.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
PCB Bancorp spent $3.6M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 103.5% from the same quarter a year earlier. Against the prior quarter it is up 1766.3%.
PCB Bancorp invested $108K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 89.9% from the same quarter a year earlier. Against the prior quarter it is up 285.7%.
Not reported for Q2 2026.
PCB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $30.7M+4.8% | $30.2M+12.4% | $29.2M+11.3% | $30.4M+19.9% | $29.3M+20.9% | $26.9M+12.2% | $26.2M+7.3% | $25.3M+1.6% |
| SG&A Expenses | $9.6M+8.0% | $9.7M+7.1% | $9.3M+11.0% | $9.3M+5.6% | $8.8M-4.1% | $9.1M-1.6% | $8.4M+0.2% | $8.8M+2.7% |
| Interest Expense | $22.5M-3.3% | $22.0M-2.6% | $23.2M+0.4% | $24.5M+5.2% | $23.3M+0.5% | $22.6M+0.2% | $23.2M+21.7% | $23.3M+41.9% |
| Income Tax | $4.2M+15.3% | $4.3M+39.1% | $3.9M+18.5% | $4.5M+56.4% | $3.6M+43.7% | $3.1M+68.2% | $3.3M+39.5% | $2.9M-3.3% |
| Net Income | $10.5M+15.8% | $10.7M+37.7% | $9.2M+31.4% | $11.4M+46.0% | $9.1M+44.4% | $7.7M+65.1% | $7.0M+19.0% | $7.8M+11.3% |
| EPS (Basic) | $0.73+15.9% | $0.74+39.6% | $0.64+36.2% | $0.79+51.9% | $0.63+46.5% | $0.53+60.6% | $0.47+14.6% | $0.52+6.1% |
| EPS (Diluted) | $0.73+17.7% | $0.74+39.6% | $0.64+36.2% | $0.78+50.0% | $0.62+44.2% | $0.53+60.6% | $0.47+14.6% | $0.52+6.1% |
| Diluted Shares (Avg) | 14M-0.7% | 14M-1.1% | N/A | 14M-0.2% | 14M+0.1% | 14M+0.5% | N/A | 14M-0.3% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
PCB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.5B+5.0% | $3.4B+6.7% | $3.3B+7.1% | $3.4B+16.4% | $3.3B+15.9% | $3.2B+11.5% | $3.1B+9.8% | $2.9B+12.5% |
| Cash & Equivalents | $265.2M+0.6% | $267.4M+24.8% | $207.1M+4.2% | $369.5M+91.4% | $263.6M+48.4% | $214.3M-10.6% | $198.8M-18.0% | $193.1M+0.4% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $3.1B+4.8% | $3.0B+6.6% | $2.9B+7.1% | $3.0B+17.9% | $2.9B+17.2% | $2.8B+12.3% | $2.7B+10.6% | $2.5B+13.5% |
| Total Equity | $400.5M+6.4% | $396.7M+7.0% | $390.0M+7.2% | $384.5M+6.1% | $376.5M+6.5% | $370.9M+6.0% | $363.8M+4.3% | $362.3M+6.0% |
| Retained Earnings | $201.2M+17.2% | $193.9M+17.1% | $186.5M+16.0% | $180.2M+15.0% | $171.7M+13.1% | $165.6M+11.7% | $160.8M+10.1% | $156.7M+9.8% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-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. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.4M-72.4% | $20.7M+780.6% | $2.9M-30.7% | $16.4M+38.1% | $4.9M-66.5% | $2.3M-71.5% | $4.2M-57.3% | $11.9M-36.9% |
| Depreciation & Amortization | $508K-7.3% | $523K-7.3% | $536K-6.8% | $565K-1.9% | $548K-0.4% | $564K+2.4% | $575K+18.6% | $576K+1.4% |
| Stock-Based Compensation | $233K+0.4% | $230K0.0% | N/A | $227K+100.9% | $232K+79.8% | $230K+69.1% | N/A | $113K0.0% |
| Capital Expenditures | $108K-89.9% | $28K-96.3% | $126K+173.9% | $247K+751.7% | $1.1M-39.8% | $749K-66.3% | $46K-82.0% | $29K-93.2% |
| Free Cash Flow | $1.2M-67.5% | $20.6M+1191.3% | $2.8M-33.0% | $16.2M+36.4% | $3.8M-70.2% | $1.6M-73.5% | $4.2M-56.7% | $11.9M-35.5% |
| Investing Cash Flow | -$71.6M+4.5% | -$65.7M+32.4% | -$76.6M+54.0% | $48.7M+539.4% | -$75.0M-18.3% | -$97.2M-37.8% | -$166.8M-7.7% | -$11.1M+77.6% |
| Financing Cash Flow | $68.1M-43.0% | $105.3M-4.6% | -$88.6M-152.7% | $40.8M+179.1% | $119.3M+990.6% | $110.4M+84.9% | $168.3M-13.7% | $14.6M+1505.7% |
| Dividends Paid | $3.1M+9.4% | $3.1M+8.6% | $2.9M+11.1% | $2.9M+11.8% | $2.9M+11.4% | $2.9M+12.2% | $2.6M0.0% | $2.6M-0.7% |
| Share Buybacks | $3.6M+103.5% | $193K-79.7% | $2.1M | $2.2M | $1.8M+697.3% | $953K | $0-100.0% | $0-100.0% |
PCB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 34.2%+3.3pp | 35.3%+6.5pp | 31.7%+4.8pp | 37.5%+6.7pp | 31.0%+5.0pp | 28.8%+9.2pp | 26.8%+2.6pp | 30.8%+2.7pp |
| Return on Equity | 2.6%+0.2pp | 2.7%+0.6pp | 2.4%+0.4pp | 3.0%+0.8pp | 2.4%+0.6pp | 2.1%+0.7pp | 1.9%+0.2pp | 2.2%+0.1pp |
| Return on Assets | 0.3%0.0pp | 0.3%+0.1pp | 0.3%+0.1pp | 0.3%+0.1pp | 0.3%+0.1pp | 0.2%+0.1pp | 0.2%0.0pp | 0.3%0.0pp |
| Debt-to-Equity | 7.67-0.1x | 7.560.0x | 7.410.0x | 7.75+0.8x | 7.78+0.7x | 7.58+0.4x | 7.42+0.4x | 6.98+0.5x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 4.0%-9.0pp | 68.4%+62.5pp | 9.6%-6.3pp | 53.2%+6.4pp | 13.1%-40.0pp | 5.9%-19.2pp | 15.9%-23.5pp | 46.8%-26.9pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| PCB Bancorp PCB | FY2025 | $115.7M | $37.5M | 32.4% | $391.7M | 54/100 |
| MVB Financial Corp. MVBF | FY2025 | $167.7M | $27K | 0.0% | $383.6M | 27/100 |
| Bankwell Financial Group Inc BWFG | FY2025 | $108.3M | $35.2M | 32.5% | $520.7M | 37/100 |
| Plumas Bancorp PLBC | FY2025 | $98.3M | $29.6M | 30.1% | $427.1M | 62/100 |
| Citizens Financial Services, Inc. CZFS | FY2025 | $112.3M | $36.6M | 32.6% | $379.7M | 59/100 |
| RBB Bancorp RBB | FY2025 | $129.2M | $31.9M | 24.7% | $437.4M | 44/100 |
Where PCB Bancorp Ranks
Frequently Asked Questions
What is PCB Bancorp's annual revenue?
PCB Bancorp (PCB) reported $115.7M in total revenue for fiscal year 2025. This represents a 16.1% 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 16.1% year-over-year, from $99.7M to $115.7M in fiscal year 2025.
Is PCB Bancorp profitable?
Yes, PCB Bancorp (PCB) reported a net income of $37.5M in fiscal year 2025, with a net profit margin of 32.4%.
What is PCB Bancorp's net profit margin?
PCB Bancorp (PCB) had a net profit margin of 32.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
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 P/E ratio?
PCB Bancorp (PCB) trades at 9.4x earnings, its market capitalization divided by net income of $41.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $391.7M as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is PCB Bancorp's price-to-sales ratio?
PCB Bancorp (PCB) trades at 3.3x sales, its market capitalization divided by revenue of $120.4M revenue, trailing 12 months to June 30, 2026. The market capitalization is $391.7M as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is PCB Bancorp's Piotroski F-Score?
PCB Bancorp (PCB) has a Piotroski F-Score of 5 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.