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Financials · PCB

PCB Bancorp (PCB) financials

For the twelve months ended Sep 30, 2026, PCB Bancorp reported $122.44M of revenue and $42.60M of net income.

Revenue, TTM
$122.44M
Revenue growth, YoY
+8.6%
Net income, TTM
$42.60M
Net income growth, YoY
+20.9%
Net margin
34.8%
Free cash flow, TTM
$39.84M
EPS, diluted, TTM
$2.97
EPS growth, YoY
+24.3%
Cash
$413.20M
P/E
9.90
P/S
3.45
Market cap
$421.9M
Annual revenue$115.71M
FY2016FY2025
Annual net income$37.45M
FY2016FY2025
Annual free cash flow$24.40M
FY2016FY2025

PCB revenue and earnings growth

PCB revenueQ3 2026$32.39M

Quarter YoY
+6.6%
QoQ
+5.5%
FY YoY
+16.1%
5Y CAGR
+8.2%

PCB revenue was $32.39M in fiscal Q3 2026 (ended Sep 30, 2026), up 6.6% from a year earlier and up 5.5% from the prior quarter. For the full fiscal 2025 it was $115.71M, up 16.1% from fiscal 2024. Compound annual growth was +8.2% over 5 years. It rose in 7 of the last 9 fiscal years. Fiscal 2025 is the highest of the 10 fiscal years on file.

PCB net incomeQ3 2026$12.21M

Quarter YoY
+7.0%
QoQ
+16.2%
FY YoY
+45.1%
5Y CAGR
+18.3%

PCB net income was $12.21M in fiscal Q3 2026 (ended Sep 30, 2026), up 7.0% from a year earlier and up 16.2% from the prior quarter. For the full fiscal 2025 it was $37.45M, up 45.1% from fiscal 2024. Compound annual growth was +18.3% over 5 years. It rose in 4 of the last 9 fiscal years.

PCB EPSQ3 2026$0.85

Quarter YoY
+9.0%
QoQ
+16.4%
FY YoY
+48.3%
5Y CAGR
+19.9%

PCB diluted EPS was $0.85 in fiscal Q3 2026 (ended Sep 30, 2026), up 9.0% from a year earlier and up 16.4% from the prior quarter. For the full fiscal 2025 it was $2.58, up 48.3% from fiscal 2024. Compound annual growth was +19.9% over 5 years.

PCB free cash flowQ3 2026$15.15M

Quarter YoY
-6.3%
QoQ
12x
FY YoY
-30.1%
5Y CAGR
+9.8%

PCB free cash flow was $15.15M in fiscal Q3 2026 (ended Sep 30, 2026), down 6.3% from a year earlier and up about 12-fold from the prior quarter. For the full fiscal 2025 it was $24.40M, down 30.1% from fiscal 2024. Compound annual growth was +9.8% over 5 years. It rose in 1 of the last 3 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$115.71M$99.71M$99.19M$104.13M$95.57M$77.93M$80.90M$76.20M$69.06M$59.20M
Interest expense--$62.67M$12.12M$4.33M$13.57M$23.91M$17.95M$10.10M$7.01M
Pre-tax income$52.49M$36.29M$43.26M$49.40M$56.96M$23.01M$34.35M$34.74M$31.34M$24.40M
Income tax$15.04M$10.48M$12.56M$14.42M$16.86M$6.84M$10.24M$10.44M$14.94M$10.40M
Net income$37.45M$25.81M$30.70M$34.99M$40.10M$16.18M$24.11M$24.30M$16.40M$14.00M
EPS, basic$2.59$1.75$2.14$2.35$2.66$1.05$1.52$1.69$1.22$1.12
EPS, diluted$2.58$1.74$2.12$2.31$2.62$1.04$1.49$1.65$1.21$1.11
Diluted shares14.3M14.3M14.4M15.1M15.3M15.4M16.2M14.7M13.5M12.6M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$207.14M$198.79M$242.34M$147.03M$203.28M$194.10M$146.23M$162.27M$73.66M$69.95M
Total assets$3.28B$3.06B$2.79B$2.42B$2.15B$1.92B$1.75B$1.70B$1.44B-
Total liabilities$2.89B$2.70B$2.44B$2.08B$1.89B$1.69B$1.52B$1.49B$1.30B-
Shareholders' equity$390.03M$363.81M$348.87M$335.44M$256.29M$233.79M$226.83M$210.30M$142.18M$127.01M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$26.59M$38.98M$63.34M$57.27M-$1.62M$17.09M$30.12M$30.68M$21.21M$40.20M
Capital expenditures$2.19M$4.08M$1.31M$5.45M$430.0K$1.78M$710.0K$1.14M$1.28M$1.98M
Free cash flow$24.40M$34.91M$62.03M$51.81M-$2.05M$15.31M$29.41M$29.54M$19.93M$38.22M
Investing cash flow-$200.14M-$311.74M-$275.27M-$356.67M-$175.22M-$132.82M-$61.90M-$168.12M-$215.51M-$213.95M
Financing cash flow$181.90M$229.20M$307.24M$243.14M$186.03M$163.59M$15.74M$226.05M$198.00M$166.76M
Dividends paid$11.46M$10.27M$9.91M$8.95M$6.66M$6.15M$3.96M$1.76M$1.61M$1.38M
Share repurchases$7.10M$222.0K$8.83M$6.73M$10.88M$6.49M$6.48M$0$0-
Stock-based compensation$973.0K$504.0K$488.0K$539.0K$453.0K$715.0K$709.0K$648.0K$699.0K$717.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY16.1%0.5%-4.7%9.0%22.6%-3.7%6.2%10.3%16.7%-
Net income growth, YoY45.1%-15.9%-12.2%-12.8%147.9%-32.9%-0.8%48.1%17.1%-
EPS growth, YoY48.3%-17.9%-8.2%-11.8%151.9%-30.2%-9.7%36.4%9.0%-
Net margin32.4%25.9%31.0%33.6%42.0%20.8%29.8%31.9%23.8%23.7%
Free cash flow margin21.1%35.0%62.5%49.8%-2.1%19.6%36.4%38.8%28.9%64.6%
Return on equity9.6%7.1%8.8%10.4%15.6%6.9%10.6%11.6%11.5%11.0%
Return on assets1.1%0.8%1.1%1.4%1.9%0.8%1.4%1.4%1.1%-

Source: XBRL data PCB Bancorp files with the SEC, latest filing dated Nov 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

PCB peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
PCB$122.44M+8.6%$42.60M34.8%$421.9M
JPM$203.15B+13.2%$65.98B32.5%$888.26B
BAC$120.16B+5.4%$32.24B26.8%$340.97B
WFC$87.23B+5.4%$22.97B26.3%$251.98B
C$85.22B+5.6%$14.31B16.8%$199.70B
UBS$49.57B+2.0%$7.80B15.7%$148.27B
COF$63.01B+31.2%$10.87B17.2%$121.43B
MFG¥8.79T+7.6%¥1.16T13.2%$116.96B
BNSC$37.74B+12.1%C$7.79B20.6%$112.48B

PCB FAQ

8 questions
  • What is PCB revenue?
    PCB Bancorp (PCB) reported $122.44M of revenue for the twelve months ended Sep 30, 2026. That is up 8.6% from the year before. Revenue for fiscal 2025 was $115.71M.
  • Is PCB profitable?
    Yes. PCB Bancorp earned $42.60M in net income for the twelve months ended Sep 30, 2026, a net margin of 34.8%.
  • How much cash and debt does PCB have?
    PCB Bancorp reported $413.20M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is PCB revenue growing?
    PCB Bancorp's revenue changed +16.1% in fiscal 2025, to $115.71M. Its compound annual growth rate was +8.2% over 5 years.
  • What is PCB free cash flow?
    PCB Bancorp generated $39.84M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $40.33M less capital expenditures.
  • What is PCB earnings per share?
    Diluted earnings per share were $2.97 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did PCB last report financial results?
    The latest statements here come from PCB Bancorp's 10-Q filed on Nov 5, 2026, covering the period ended Sep 30, 2026.
  • Where does this PCB financial data come from?
    Quantisnow builds these statements from the structured XBRL data PCB Bancorp files with the SEC. It is provided for information only and is not investment advice.