What is Pcb Bancorp's earnings per share (EPS)?

Pcb Bancorp (PCB) reported diluted earnings per share of $2.58 for fiscal year 2025. This represents a 48.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Pcb Bancorp Financials

PCB

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

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).

Rhea AI PCB FY2025 2026-05-07

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 $2.2M of capital spending in FY2025, free cash flow of $24.4M sat close to operating cash flow, so the business is not consuming much cash on buildings or equipment. The real cash swing is in how the balance sheet moves, not in maintaining physical assets.

Profitability improved after FY2024, with return on assets rising to 1.1% and return on equity to 9.6% in FY2025. But those returns remain below FY2021 levels, so the earnings rebound looks more like a partial restoration of efficiency than a new step-change in performance.

Financial Health Signals

Financial Profile 29/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.

Growth

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.

Leverage

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.

Cash Flow

100

Pcb Bancorp converts 841.5% of revenue into free cash flow ($24.4M). This strong cash generation earns a score of 100/100.

Returns

Pcb Bancorp's ROE of 9.6% shows moderate profitability relative to equity, earning a score of 30/100. This is up from 7.1% the prior year.

Piotroski F-Score Neutral

4/9

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.

Earnings Quality Mixed

0.71x

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

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Earnings & Revenue

Revenue

$2.9M

YoY+4.5%

5Y CAGR+5.4%

Pcb Bancorp generated $2.9M in revenue in fiscal year 2025. This represents an increase of 4.5% from the prior year.

EBITDA

N/A

Net Income

$37.5M

YoY+45.1%

5Y CAGR+18.3%

Pcb Bancorp reported $37.5M in net income in fiscal year 2025. This represents an increase of 45.1% from the prior year.

EPS (Diluted)

$2.58

YoY+48.3%

5Y CAGR+19.9%

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

Free Cash Flow

$24.4M

YoY-30.1%

5Y CAGR+9.8%

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.

Cash & Debt

$207.1M

YoY+4.2%

5Y CAGR+1.3%

Pcb Bancorp held $207.1M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.80

YoY+11.1%

5Y CAGR+14.9%

Pcb Bancorp paid $0.80 per share in dividends in fiscal year 2025. This represents an increase of 11.1% from the prior year.

Shares Outstanding

14M

YoY-1.0%

5Y CAGR-1.5%

Pcb Bancorp had 14M shares outstanding in fiscal year 2025. This represents a decrease of 1.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

1291.9%

YoY+361.5pp

5Y CAGR+566.9pp

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.

Return on Equity

9.6%

YoY+2.5pp

5Y CAGR+2.7pp

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

R&D Spending

N/A

Share Buybacks

$7.1M

YoY+3098.6%

5Y CAGR+1.8%

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.

Capital Expenditures

$2.2M

YoY-46.2%

5Y CAGR+4.2%

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	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$2.9M+4.5%	$2.8M+4.7%	$2.6M+0.3%	$2.6M+11.5%	$2.4M+6.2%	$2.2M
Cost of Revenue	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
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$36.6M+2.5%	$35.7M+3.1%	$34.6M+4.6%	$33.1M+18.2%	$28.0M+7.0%	$26.1M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$93.7M+1.6%	$92.2M+47.1%	$62.7M+417.1%	$12.1M+179.6%	$4.3M-68.1%	$13.6M
Income Tax	$15.0M+43.5%	$10.5M-16.6%	$12.6M-12.9%	$14.4M-14.5%	$16.9M+146.6%	$6.8M
Net Income	$37.5M+45.1%	$25.8M-15.9%	$30.7M-12.2%	$35.0M-12.8%	$40.1M+147.9%	$16.2M
EPS (Diluted)	$2.58+48.3%	$1.74-17.9%	$2.12-8.2%	$2.31-11.8%	$2.62+151.9%	$1.04

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$772K-0.5%	$776K+5.6%	$735K+1.8%	$722K+8.4%	$666K-8.5%	$728K-5.5%	$770K+27.3%	$605K
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	$9.7M+4.1%	$9.3M+0.5%	$9.3M+5.1%	$8.8M-2.5%	$9.1M+7.8%	$8.4M-4.4%	$8.8M-4.6%	$9.2M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$22.0M-5.2%	$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
Income Tax	$4.3M+9.3%	$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
Net Income	$10.7M+15.4%	$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
EPS (Diluted)	$0.74	N/A	$0.78+25.8%	$0.62+17.0%	$0.53	N/A	$0.52+20.9%	$0.43

PCB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$3.3B+7.1%	$3.1B+9.8%	$2.8B+15.3%	$2.4B+12.6%	$2.1B+11.8%	$1.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	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
Inventory	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
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.9B+7.1%	$2.7B+10.6%	$2.4B+17.1%	$2.1B+10.1%	$1.9B+12.1%	$1.7B
Current Liabilities	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
Total Equity	$390.0M+7.2%	$363.8M+4.3%	$348.9M+4.0%	$335.4M+30.9%	$256.3M+9.6%	$233.8M
Retained Earnings	$186.5M+16.0%	$160.8M+10.1%	$146.1M+14.9%	$127.2M+25.7%	$101.1M+49.4%	$67.7M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$3.4B+3.5%	$3.3B-2.4%	$3.4B+1.8%	$3.3B+3.8%	$3.2B+3.9%	$3.1B+6.0%	$2.9B+1.3%	$2.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$267.4M+29.1%	$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
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	$3.0B+3.7%	$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
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	$396.7M+1.7%	$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
Retained Earnings	$193.9M+4.0%	$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

PCB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$26.6M-31.8%	$39.0M-38.5%	$63.3M+10.6%	$57.3M+3641.6%	-$1.6M-109.5%	$17.1M
Capital Expenditures	$2.2M-46.2%	$4.1M+209.9%	$1.3M-75.9%	$5.5M+1168.1%	$430K-75.9%	$1.8M
Free Cash Flow	$24.4M-30.1%	$34.9M-43.7%	$62.0M+19.7%	$51.8M+2631.2%	-$2.0M-113.4%	$15.3M
Investing Cash Flow	-$200.1M+35.8%	-$311.7M-13.2%	-$275.3M+22.8%	-$356.7M-103.5%	-$175.2M-31.9%	-$132.8M
Financing Cash Flow	$181.9M-20.6%	$229.2M-25.4%	$307.2M+26.4%	$243.1M+30.7%	$186.0M+13.7%	$163.6M
Dividends Paid	$11.5M+11.6%	$10.3M+3.7%	$9.9M+10.8%	$8.9M+34.4%	$6.7M+8.2%	$6.2M
Share Buybacks	$7.1M+3098.6%	$222K-97.5%	$8.8M+31.1%	$6.7M-38.1%	$10.9M+67.7%	$6.5M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$20.7M+606.6%	$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
Capital Expenditures	$28K-77.8%	$126K-49.0%	$247K-76.9%	$1.1M+43.0%	$749K+1528.3%	$46K+58.6%	$29K-98.4%	$1.8M
Free Cash Flow	$20.6M+637.4%	$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
Investing Cash Flow	-$65.7M+14.3%	-$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
Financing Cash Flow	$105.3M+218.8%	-$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
Dividends Paid	$3.1M+9.7%	$2.9M-0.7%	$2.9M+0.4%	$2.9M-0.7%	$2.9M+12.2%	$2.6M-0.1%	$2.6M+0.1%	$2.6M
Share Buybacks	$193K-91.0%	$2.1M-4.7%	$2.2M+26.7%	$1.8M+85.7%	$953K	$0	$0-100.0%	$222K

PCB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	1291.9%+361.5pp	930.4%-228.3pp	1158.7%-165.6pp	1324.3%-368.6pp	1692.8%+967.8pp	725.0%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.410.0	7.42+0.4	7.00+0.8	6.21-1.2	7.39+0.2	7.22
FCF Margin	841.5%-416.9pp	1258.5%-1082.2pp	2340.7%+379.5pp	1961.2%+2047.6pp	-86.4%-772.6pp	686.2%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	1379.9%+189.8pp	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%
Return on Equity	2.7%+0.3pp	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%
Return on Assets	0.3%+0.0pp	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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.56+0.1	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
FCF Margin	2674.6%+2313.8pp	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%

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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.

Does Pcb Bancorp buy back shares?

Yes, Pcb Bancorp (PCB) spent $7.1M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Pcb Bancorp have outstanding?

Pcb Bancorp (PCB) had 14M shares outstanding as of fiscal year 2025.

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 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 29 out of 100 on our Financial Profile, indicating weak 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.