This page shows Pcb Bancorp (PCB) financial statements, including the 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).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Pcb Bancorp's revenue grew a modest 4.5% year-over-year to $2.9M. This slow but positive growth earns a score of 41/100.
Pcb Bancorp has elevated debt relative to equity (D/E of 7.41), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Pcb Bancorp converts 841.5% of revenue into free cash flow ($24.4M). This strong cash generation earns a score of 100/100.
Pcb Bancorp's ROE of 9.6% shows moderate profitability relative to equity, earning a score of 32/100. This is up from 7.1% the prior year.
Pcb Bancorp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 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.
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 against $0 in long-term debt as of fiscal year 2025.
Pcb Bancorp paid $0.80 per share in dividends in fiscal year 2025. This represents an increase of 11.1% from the prior year.
Pcb Bancorp had 14M shares outstanding in fiscal year 2025. This represents a decrease of 1.0% from the prior year.
Margins & Returns
Pcb Bancorp's net profit margin was 1291.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 361.5 percentage points from the prior year.
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.
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.
PCB Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $776K+5.6% | $735K+1.8% | $722K+8.4% | $666K-8.5% | $728K-5.5% | $770K+27.3% | $605K-9.8% | $671K |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $23.2M-5.1% | $24.5M+5.0% | $23.3M+3.1% | $22.6M-2.4% | $23.2M-0.5% | $23.3M+0.3% | $23.2M+2.9% | $22.6M |
| Income Tax | $3.9M-13.5% | $4.5M+24.8% | $3.6M+17.8% | $3.1M-6.9% | $3.3M+14.2% | $2.9M+14.7% | $2.5M+37.9% | $1.8M |
| Net Income | $9.2M-19.1% | $11.4M+25.8% | $9.1M+17.3% | $7.7M+10.0% | $7.0M-10.0% | $7.8M+24.4% | $6.3M+34.1% | $4.7M |
| EPS (Diluted) | N/A | $0.78+25.8% | $0.62+17.0% | $0.53 | N/A | $0.52+20.9% | $0.43+30.3% | $0.33 |
PCB Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.3B-2.4% | $3.4B+1.8% | $3.3B+3.8% | $3.2B+3.9% | $3.1B+6.0% | $2.9B+1.3% | $2.9B0.0% | $2.9B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $207.1M-43.9% | $369.5M+40.2% | $263.6M+23.0% | $214.3M+7.8% | $198.8M+3.0% | $193.1M+8.7% | $177.6M-25.9% | $239.8M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $2.9B-2.9% | $3.0B+1.7% | $2.9B+4.1% | $2.8B+4.2% | $2.7B+6.8% | $2.5B+1.1% | $2.5B-0.2% | $2.5B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $390.0M+1.4% | $384.5M+2.1% | $376.5M+1.5% | $370.9M+1.9% | $363.8M+0.4% | $362.3M+2.5% | $353.5M+1.0% | $350.0M |
| Retained Earnings | $186.5M+3.5% | $180.2M+4.9% | $171.7M+3.7% | $165.6M+3.0% | $160.8M+2.6% | $156.7M+3.2% | $151.8M+2.4% | $148.2M |
PCB Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.9M-82.2% | $16.4M+235.4% | $4.9M+108.5% | $2.3M-44.4% | $4.2M-64.5% | $11.9M-18.8% | $14.6M+77.4% | $8.2M |
| Capital Expenditures | $126K-49.0% | $247K-76.9% | $1.1M+43.0% | $749K+1528.3% | $46K+58.6% | $29K-98.4% | $1.8M-19.8% | $2.2M |
| Free Cash Flow | $2.8M-82.7% | $16.2M+322.8% | $3.8M+139.2% | $1.6M-61.7% | $4.2M-64.8% | $11.9M-7.7% | $12.8M+113.2% | $6.0M |
| Investing Cash Flow | -$76.6M-257.4% | $48.7M+164.9% | -$75.0M+22.8% | -$97.2M+41.7% | -$166.8M-1405.2% | -$11.1M+82.5% | -$63.4M+10.1% | -$70.5M |
| Financing Cash Flow | -$88.6M-317.1% | $40.8M-65.8% | $119.3M+8.1% | $110.4M-34.4% | $168.3M+1050.4% | $14.6M+209.2% | -$13.4M-122.4% | $59.7M |
| Dividends Paid | $2.9M-0.7% | $2.9M+0.4% | $2.9M-0.7% | $2.9M+12.2% | $2.6M-0.1% | $2.6M+0.1% | $2.6M0.0% | $2.6M |
| Share Buybacks | $2.1M-4.7% | $2.2M+26.7% | $1.8M+85.7% | $953K | $0 | $0-100.0% | $222K | $0 |
PCB Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 1190.1%-362.6pp | 1552.7%+296.3pp | 1256.4%+95.0pp | 1161.4%+195.8pp | 965.7%-49.2pp | 1014.8%-23.4pp | 1038.2%+340.0pp | 698.2% |
| Return on Equity | 2.4%-0.6pp | 3.0%+0.6pp | 2.4%+0.3pp | 2.1%+0.2pp | 1.9%-0.2pp | 2.2%+0.4pp | 1.8%+0.4pp | 1.3% |
| Return on Assets | 0.3%-0.1pp | 0.3%+0.1pp | 0.3%+0.0pp | 0.2%0.0pp | 0.2%-0.0pp | 0.3%+0.1pp | 0.2%+0.1pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 7.41-0.3 | 7.75-0.0 | 7.78+0.2 | 7.58+0.2 | 7.42+0.4 | 6.98-0.1 | 7.07-0.1 | 7.16 |
| FCF Margin | 360.8%-1839.5pp | 2200.3%+1670.5pp | 529.8%+289.7pp | 240.1%-333.7pp | 573.8%-966.1pp | 1539.9%-584.1pp | 2124.0%+1225.9pp | 898.1% |
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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, with a net profit margin of 1291.9%.
What is Pcb Bancorp's net profit margin?
Pcb Bancorp (PCB) had a net profit margin of 1291.9% 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 Piotroski F-Score?
Pcb Bancorp (PCB) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. 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 7–9 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 43 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.