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PCB Bancorp (PCB) Financials

PCB Bancorp logo
$28.51 -0.58 (-1.99%)
Closing price 04:00 PM Eastern
Extended Trading
$28.70 +0.19 (+0.68%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for PCB Bancorp

Annual Income Statements for PCB Bancorp

This table shows PCB Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 14 16 25 27 16 41 35 31 25 37
Consolidated Net Income / (Loss)		 14 16 24 24 16 40 35 31 26 37
Net Income / (Loss) Continuing Operations		 14 16 25 27 16 41 35 31 26 37
Total Pre-Tax Income 		24 31 35 34 23 57 49 43 36 52
Total Revenue		 59 69 77 83 78 97 104 99 100 116
Net Interest Income / (Expense)		 46 55 66 69 66 77 90 89 89 104
Total Interest Income		 53 65 84 93 80 81 102 151 181 198
Loans and Leases Interest Income		 50 62 77 86 77 79 95 136 164 180
Investment Securities Interest Income		 1.74 2.61 3.72 3.96 2.13 1.61 2.91 4.68 5.33 5.86
Other Interest Income		 0.80 1.14 3.14 3.32 1.09 0.70 3.79 10 11 11
Total Interest Expense		 7.01 10 18 24 14 4.34 12 63 92 94
Deposits Interest Expense		 7.01 9.75 17 23 13 4.04 12 62 90 92
Long-Term Debt Interest Expense		 0.01 0.35 0.61 0.47 0.61 0.29 0.14 0.51 1.71 1.40
Total Non-Interest Income		 14 14 10 12 12 18 14 11 11 12
Service Charges on Deposit Accounts		 2.16 2.45 2.16 2.31 - 2.77 2.97 3.33 3.37 2.95
Other Service Charges		 2.54 2.45 3.67 5.33 3.96 3.80 2.83 3.03 3.03 3.24
Net Realized & Unrealized Capital Gains on Investments		 8.92 9.00 5.56 6.78 6.53 13 7.99 3.57 3.75 4.62
Other Non-Interest Income		 - - - 0.00 1.26 0.11 0.71 0.75 0.95 1.03
Provision for Credit Losses		 2.28 1.83 1.23 4.24 13 -4.60 3.60 -0.13 3.40 4.03
Total Non-Interest Expense		 33 36 40 42 42 43 51 56 60 59
Salaries and Employee Benefits		 20 23 24 26 26 28 33 35 36 37
Net Occupancy & Equipment Expense		 5.28 5.50 6.21 6.91 7.09 7.15 8.19 9.48 11 11
Marketing Expense		 1.45 1.65 2.01 1.55 1.36 1.66 2.15 2.33 1.89 2.12
Property & Liability Insurance Claims		 - - 0.54 0.55 0.98 0.54 0.60 1.10 1.26 1.46
Other Operating Expenses		 5.84 5.92 6.99 7.17 6.12 5.89 7.14 8.58 11 8.49
Income Tax Expense		 10 15 10 10 6.84 17 14 13 10 15
Preferred Stock Dividends Declared		 - - - - - - 0.00 0.00 0.83 0.30
Basic Earnings per Share		 $1.12 $1.22 $1.69 $1.52 $1.05 $2.66 $2.35 $2.14 $1.75 $2.59
Weighted Average Basic Shares Outstanding		 12.53M 13.41M 14.40M 15.87M 15.38M 15.02M 14.82M 14.30M 14.24M 14.20M
Diluted Earnings per Share		 $1.11 $1.21 $1.65 $1.49 $1.04 $2.62 $2.31 $2.12 $1.74 $2.58
Weighted Average Diluted Shares Outstanding		 12.61M 13.54M 14.69M 16.17M 15.45M 15.25M 15.07M 14.42M 14.34M 14.28M
Weighted Average Basic & Diluted Shares Outstanding		 - - 16.01M - 15.45M 14.91M 14.41M 14.26M 14.38M 14.23M
Cash Dividends to Common per Share		 $0.11 $0.12 $0.12 $0.25 $0.40 $0.44 $0.60 $0.69 $0.72 $0.80

Quarterly Income Statements for PCB Bancorp

This table shows PCB Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 7.02 5.91 4.69 6.14 7.47 6.68 7.70 8.98 11 9.15 11
Consolidated Net Income / (Loss)		 7.02 5.91 4.69 6.28 7.81 7.03 7.74 9.07 11 9.24 11
Net Income / (Loss) Continuing Operations		 7.02 5.91 4.69 6.28 7.81 7.03 7.74 9.07 11 9.24 11
Total Pre-Tax Income 		9.99 8.26 6.50 8.79 11 10 11 13 16 13 15
Total Revenue		 25 24 24 24 25 26 27 29 30 29 30
Net Interest Income / (Expense)		 22 22 21 22 23 23 24 26 27 27 27
Total Interest Income		 39 41 44 45 46 46 47 49 51 50 49
Loans and Leases Interest Income		 35 37 39 41 42 42 43 45 46 46 44
Investment Securities Interest Income		 1.17 1.27 1.25 1.31 1.38 1.39 1.41 1.46 1.47 1.52 1.57
Other Interest Income		 3.03 2.49 3.06 3.01 2.50 2.62 2.46 2.37 3.80 2.70 2.77
Total Interest Expense		 16 19 23 23 23 23 23 23 24 23 22
Deposits Interest Expense		 16 19 22 23 23 23 23 23 24 23 21
Long-Term Debt Interest Expense		 0.00 0.30 0.59 0.67 0.22 0.23 0.05 0.81 0.50 0.04 0.54
Total Non-Interest Income		 2.50 2.50 2.95 2.49 2.62 3.04 2.58 3.30 3.41 2.55 3.37
Service Charges on Deposit Accounts		 0.85 0.75 0.92 0.80 0.79 0.86 0.73 0.76 0.72 0.74 0.80
Other Service Charges		 0.78 0.75 0.72 0.69 0.85 0.78 0.72 0.82 0.82 0.89 0.89
Net Realized & Unrealized Capital Gains on Investments		 0.69 0.80 1.08 0.76 0.75 1.16 0.89 1.47 1.62 0.65 1.41
Other Non-Interest Income		 0.19 0.20 0.23 0.24 0.24 0.25 0.25 0.25 0.26 0.27 0.27
Provision for Credit Losses		 0.75 1.70 1.09 0.26 0.05 2.00 1.60 1.79 -0.38 1.02 0.47
Total Non-Interest Expense		 14 14 16 15 15 14 14 15 15 15 15
Salaries and Employee Benefits		 8.57 8.40 9.22 9.23 8.80 8.42 9.08 8.84 9.29 9.34 9.72
Net Occupancy & Equipment Expense		 2.33 2.54 2.76 2.80 2.66 2.40 2.62 2.70 2.71 2.55 2.61
Marketing Expense		 0.98 0.77 0.32 0.32 0.67 0.58 0.24 0.60 0.67 0.61 0.46
Property & Liability Insurance Claims		 0.28 0.29 0.30 0.33 0.31 0.32 0.34 0.36 0.37 0.39 0.36
Other Operating Expenses		 2.04 2.48 3.76 2.51 2.17 2.17 2.19 2.33 1.83 2.14 1.66
Income Tax Expense		 2.97 2.35 1.82 2.51 2.87 3.28 3.06 3.60 4.49 3.89 4.25
Preferred Stock Dividends Declared		 0.00 - 0.00 0.14 0.35 - 0.04 0.09 0.09 0.09 0.09
Basic Earnings per Share		 $0.49 $0.42 $0.33 $0.43 $0.52 $0.47 $0.53 $0.63 $0.79 $0.64 $0.74
Weighted Average Basic Shares Outstanding		 14.29M 14.30M 14.24M 14.24M 14.24M 14.24M 14.27M 14.21M 14.20M 14.20M 14.14M
Diluted Earnings per Share		 $0.49 $0.41 $0.33 $0.43 $0.52 $0.46 $0.53 $0.62 $0.78 $0.65 $0.74
Weighted Average Diluted Shares Outstanding		 14.40M 14.42M 14.33M 14.31M 14.36M 14.34M 14.40M 14.33M 14.33M 14.28M 14.24M
Weighted Average Basic & Diluted Shares Outstanding		 14.26M 14.26M 14.27M 14.25M 14.27M 14.38M 14.31M 14.35M 14.26M 14.23M 14.23M
Cash Dividends to Common per Share		 $0.18 - $0.18 $0.18 $0.18 - $0.20 $0.20 $0.20 - $0.22

Annual Cash Flow Statements for PCB Bancorp

This table details how cash moves in and out of PCB Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -7.00 3.71 89 -16 48 9.19 -56 95 -44 8.35
Net Cash From Operating Activities		 40 25 31 30 17 -1.62 57 63 39 27
Net Cash From Continuing Operating Activities		 40 25 31 30 17 -1.62 57 63 39 27
Net Income / (Loss) Continuing Operations		 14 16 24 24 16 40 35 31 26 37
Consolidated Net Income / (Loss)		 14 16 24 24 16 40 35 31 26 37
Provision For Loan Losses		 2.28 1.83 1.23 4.24 13 -4.60 3.60 -0.13 3.40 4.03
Depreciation Expense		 1.00 1.10 1.27 1.53 1.49 1.38 1.60 2.18 2.25 2.21
Amortization Expense		 2.13 2.49 -1.36 -1.21 -3.31 -6.59 -3.23 -1.20 -2.07 -1.93
Non-Cash Adjustments to Reconcile Net Income		 23 2.29 2.15 2.75 -1.31 -37 31 19 -8.27 -9.78
Changes in Operating Assets and Liabilities, net		 -1.95 0.56 3.09 -1.30 -9.17 4.60 -11 13 18 -5.39
Net Cash From Investing Activities		 -214 -219 -168 -62 -133 -175 -357 -275 -312 -200
Net Cash From Continuing Investing Activities		 -214 -219 -168 -62 -133 -175 -357 -275 -312 -200
Purchase of Property, Leasehold Improvements and Equipment		 -1.98 -1.28 -1.14 -0.71 -1.78 -0.43 -5.45 -1.32 -4.08 -2.19
Purchase of Investment Securities		 -236 -239 -200 -130 -174 -228 -376 -297 -331 -222
Sale and/or Maturity of Investments		 24 21 33 69 43 53 25 23 23 24
Net Cash From Financing Activities		 167 198 226 16 164 186 243 307 229 182
Net Cash From Continuing Financing Activities		 167 198 226 16 164 186 243 307 229 182
Net Change in Deposits		 152 159 192 36 116 272 179 306 264 180
Issuance of Debt		 0.00 40 0.00 0.00 140 0.00 0.00 19 50 0.00
Repayment of Debt		 0.00 0.00 -10 -10 -80 -70 10 0.00 -74 19
Repurchase of Common Equity		 - - 0.00 -6.48 -6.49 -11 -6.73 -8.83 -0.22 -7.10
Payment of Dividends		 -1.38 -1.61 -1.76 -3.96 -6.15 -6.66 -8.95 -9.91 -11 -12
Other Financing Activities, Net		 0.57 0.13 0.31 0.63 0.69 1.28 0.83 1.35 0.29 2.19
Cash Interest Paid		 6.87 9.47 14 24 17 5.79 9.73 48 86 93
Cash Income Taxes Paid		 12 12 7.57 13 10 15 14 4.28 6.37 23

Quarterly Cash Flow Statements for PCB Bancorp

This table details how cash moves in and out of PCB Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -30 50 -2.55 -62 15 5.73 16 49 106 -162 60
Net Cash From Operating Activities		 19 9.89 8.25 15 12 4.22 2.35 4.90 16 2.93 21
Net Cash From Continuing Operating Activities		 19 9.89 8.25 15 12 4.22 2.35 4.90 16 2.93 21
Net Income / (Loss) Continuing Operations		 7.02 5.91 4.69 6.28 7.81 7.03 7.74 9.07 11 9.24 11
Consolidated Net Income / (Loss)		 7.02 5.91 4.69 6.28 7.81 7.03 7.74 9.07 11 9.24 11
Provision For Loan Losses		 0.75 1.70 1.09 0.26 0.05 2.00 1.60 1.79 -0.38 1.02 0.47
Depreciation Expense		 0.57 0.49 0.55 0.55 0.58 0.58 0.56 0.55 0.57 0.54 0.52
Amortization Expense		 -0.48 0.13 -0.49 -0.57 -0.50 -0.51 -0.56 -0.50 -0.43 -0.45 -0.43
Non-Cash Adjustments to Reconcile Net Income		 7.51 5.20 2.02 1.37 -3.33 -8.33 -6.20 3.31 -2.21 -4.68 9.39
Changes in Operating Assets and Liabilities, net		 3.45 -3.53 0.40 6.74 7.28 3.46 -0.79 -9.32 7.46 -2.74 0.07
Net Cash From Investing Activities		 -50 -155 -70 -63 -11 -167 -97 -75 49 -77 -66
Net Cash From Continuing Investing Activities		 -50 -155 -70 -63 -11 -167 -97 -75 49 -77 -66
Purchase of Property, Leasehold Improvements and Equipment		 -0.43 -0.26 -2.22 -1.78 -0.03 -0.05 -0.75 -1.07 -0.25 -0.13 -0.03
Purchase of Investment Securities		 -55 -158 -74 -66 -17 -173 -101 -80 43 -84 -73
Sale and/or Maturity of Investments		 5.61 3.57 6.06 4.79 6.27 6.36 4.32 6.22 5.87 7.79 6.92
Net Cash From Financing Activities		 0.91 195 60 -13 15 168 110 119 41 -89 105
Net Cash From Continuing Financing Activities		 0.91 195 60 -13 15 168 110 119 41 -89 105
Net Change in Deposits		 3.90 159 51 3.41 53 156 99 109 91 -118 93
Issuance of Debt		 20 19 50 36 -36 - 0.00 -15 - - 50
Repayment of Debt		 -20 20 -39 -50 - 15 15 30 -45 34 -34
Repurchase of Common Equity		 -1.06 -0.93 0.00 -0.22 - - -0.95 -1.77 -2.24 -2.14 -0.19
Payment of Dividends		 -2.59 -2.57 -2.57 -2.65 -2.92 -2.91 -2.97 -2.95 -2.96 -2.94 -3.22
Other Financing Activities, Net		 0.66 0.02 0.04 0.06 0.12 0.08 0.68 0.53 0.44 0.53 0.11
Cash Interest Paid		 11 20 24 18 17 27 26 21 18 28 25
Cash Income Taxes Paid		 2.32 0.26 0.01 2.39 1.78 2.18 0.03 16 3.01 3.92 0.11

Annual Balance Sheets for PCB Bancorp

This table presents PCB Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2017 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2017 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,442 1,746 1,923 2,150 2,420 2,790 3,064 3,282
Cash and Due from Banks		 17 18 20 15 23 27 27 25
Interest Bearing Deposits at Other Banks		 57 128 174 188 124 216 172 182
Trading Account Securities		 156 120 123 160 165 148 153 172
Loans and Leases, Net of Allowance		 1,178 1,436 1,557 1,710 2,021 2,296 2,599 2,787
Loans and Leases		 1,190 1,451 1,584 1,732 2,046 2,323 2,629 2,820
Allowance for Loan and Lease Losses		 12 14 27 22 25 28 31 33
Premises and Equipment, Net		 4.72 3.76 4.05 3.10 6.92 6.00 8.28 8.19
Other Assets		 20 40 45 1,783 80 97 105 107
Total Liabilities & Shareholders' Equity		 1,442 1,746 1,923 2,150 2,420 2,790 3,064 3,282
Total Liabilities		 1,300 1,519 1,689 1,893 2,085 2,441 2,700 2,892
Non-Interest Bearing Deposits		 319 360 538 830 735 595 548 556
Interest Bearing Deposits		 932 1,119 1,057 1,037 1,311 1,757 2,068 2,240
Long-Term Debt		 40 20 80 10 20 39 0.00 34
Other Long-Term Liabilities		 8.53 20 14 16 19 50 69 62
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 142 227 234 256 335 349 364 390
Total Preferred & Common Equity		 142 227 234 256 335 349 364 390
Preferred Stock		 0.00 0.00 0.00 0.00 69 69 69 69
Total Common Equity		 142 227 234 256 266 280 295 321
Common Stock		 128 169 164 155 150 143 143 139
Retained Earnings		 15 58 68 101 127 146 161 186
Accumulated Other Comprehensive Income / (Loss)		 -1.22 -0.06 1.96 0.15 -11 -8.92 -9.32 -4.86

Quarterly Balance Sheets for PCB Bancorp

This table presents PCB Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 2,568 2,854 2,853 2,890 3,184 3,306 3,364 3,396
Cash and Due from Banks		 23 29 23 30 29 42 24 25
Interest Bearing Deposits at Other Banks		 170 210 154 163 185 222 345 243
Trading Account Securities		 146 141 151 153 160 163 160 174
Loans and Leases, Net of Allowance		 2,142 2,370 2,420 2,437 2,696 2,762 2,720 2,840
Loans and Leases		 2,168 2,398 2,449 2,466 2,728 2,795 2,753 2,874
Allowance for Loan and Lease Losses		 26 28 29 29 32 34 33 34
Premises and Equipment, Net		 6.23 8.89 8.92 8.41 8.42 8.94 8.60 7.70
Other Assets		 81 95 95 98 105 109 106 107
Total Liabilities & Shareholders' Equity		 2,568 2,854 2,853 2,890 3,184 3,306 3,364 3,396
Total Liabilities		 2,226 2,504 2,499 2,528 2,813 2,929 2,979 2,999
Non-Interest Bearing Deposits		 611 538 544 540 564 576 551 570
Interest Bearing Deposits		 1,581 1,864 1,863 1,920 2,150 2,247 2,362 2,318
Long-Term Debt		 0.00 50 32 0.00 30 45 - 50
Other Long-Term Liabilities		 34 51 57 68 68 61 66 61
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 342 350 353 362 371 377 385 397
Total Preferred & Common Equity		 342 350 353 362 371 377 385 397
Preferred Stock		 69 69 69 69 69 69 69 69
Total Common Equity		 273 281 284 293 302 307 315 328
Common Stock		 143 143 143 143 143 142 141 139
Retained Earnings		 143 148 152 157 166 172 180 194
Accumulated Other Comprehensive Income / (Loss)		 -13 -10 -10 -6.45 -7.04 -6.53 -5.41 -5.75

Annual Metrics And Ratios for PCB Bancorp

This table displays calculated financial ratios and metrics derived from PCB Bancorp's official financial filings.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 0.00 15,972,914.00 15,690,836.00 15,379,538.00 14,841,626.00 14,800,133.00 14,259,340.00 - 14,260,754.00
DEI Adjusted Shares Outstanding		 0.00 0.00 15,972,914.00 15,690,836.00 15,379,538.00 14,841,626.00 14,800,133.00 14,259,340.00 - 14,260,754.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 0.00 1.52 1.54 1.05 2.70 2.36 2.15 - 2.63
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 0.00% 15.83% 12.50% 8.18% -6.62% 24.15% 7.63% -4.75% 0.53% 16.05%
EBITDA Growth		 0.00% 25.10% 3.36% 4.58% -43.08% 149.73% -9.73% -7.38% -17.58% 44.71%
EBIT Growth		 0.00% 26.41% 15.68% 3.41% -37.64% 152.63% -15.02% -12.43% -16.13% 44.65%
NOPAT Growth		 0.00% 17.15% 48.15% -0.79% -32.91% 147.93% -12.76% -12.24% -15.94% 45.11%
Net Income Growth		 0.00% 17.15% 48.15% -0.79% -32.91% 147.93% -12.76% -12.24% -15.94% 45.11%
EPS Growth		 0.00% 9.01% 36.36% -9.70% -30.20% 151.92% -11.83% -8.23% -17.92% 48.28%
Operating Cash Flow Growth		 0.00% -38.59% 24.30% -1.83% -43.25% -109.46% 3,641.56% 10.61% -38.45% -31.80%
Free Cash Flow Firm Growth		 0.00% 0.00% 224.55% -207.87% 77.20% 272.52% -161.83% 96.82% 2,121.33% -122.25%
Invested Capital Growth		 0.00% 0.00% -100.00% 0.00% 27.13% -15.14% 33.48% 9.12% -2.34% 11.94%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 25.03% 0.96% -3.03% 1.82% 2.63%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00% 4,923.89% 2,093.51% 81.81% -6.35% -7.92% -4.20% 5.68%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 72.05% -8.45% -9.08% -2.80% 5.66%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 13.88% -5.34% -8.34% 4.54% 6.26%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 13.88% -5.34% -8.34% 4.54% 6.26%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 14.41% -4.94% -7.42% 2.96% 7.95%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 43.09% -24.68% 215.42% -104.51% 45.23% -9.48% -12.70% -4.65%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 55.73% -36.03% -41.95% -107.08% 722.36% -159.47%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% 0.90% -12.68% 3.37% 6.83% 13.46% 4.56% 10.28%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 46.50% 50.23% 46.14% 44.61% 27.19% 54.70% 45.87% 44.61% 36.57% 45.60%
EBIT Margin		 41.22% 44.99% 46.26% 44.22% 29.53% 60.09% 47.44% 43.62% 36.39% 45.36%
Profit (Net Income) Margin		 23.65% 23.92% 31.50% 28.89% 20.76% 41.45% 33.60% 30.96% 25.89% 32.37%
Tax Burden Percent		 57.38% 52.34% 69.94% 70.18% 70.29% 70.41% 70.82% 70.97% 71.13% 71.36%
Interest Burden Percent		 100.00% 101.60% 97.37% 93.09% 100.00% 97.98% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 42.62% 47.66% 30.06% 29.82% 29.71% 29.59% 29.18% 29.03% 28.87% 28.64%
Return on Invested Capital (ROIC)		 0.00% 18.01% 26.68% 19.53% 5.77% 13.83% 11.25% 8.26% 6.73% 9.33%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 18.01% 26.68% 19.53% 5.77% 13.83% 11.25% 8.26% 6.73% 9.33%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 5.07% 7.51% 1.72% 1.25% 2.54% 0.57% 0.71% 0.51% 0.61%
Return on Equity (ROE)		 0.00% 23.07% 34.18% 21.26% 7.02% 16.37% 11.83% 8.97% 7.24% 9.94%
Cash Return on Invested Capital (CROIC)		 0.00% -181.99% 226.68% -180.47% -18.12% 30.20% -17.43% -0.46% 9.10% -1.93%
Operating Return on Assets (OROA)		 0.00% 2.14% 4.95% 4.23% 1.25% 2.85% 2.16% 1.66% 1.24% 1.65%
Return on Assets (ROA)		 0.00% 1.14% 3.37% 2.76% 0.88% 1.97% 1.53% 1.18% 0.88% 1.18%
Return on Common Equity (ROCE)		 0.00% 23.07% 34.18% 21.26% 7.02% 16.37% 10.44% 7.16% 5.84% 8.11%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 11.54% 0.00% 10.63% 6.92% 15.65% 10.43% 8.80% 7.09% 9.60%
Net Operating Profit after Tax (NOPAT)		 14 16 24 24 16 40 35 31 26 37
NOPAT Margin		 23.65% 23.92% 31.50% 28.89% 20.76% 41.45% 33.60% 30.96% 25.89% 32.37%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 45.06% 43.72% 42.38% 41.46% 44.40% 38.01% 41.67% 46.76% 48.30% 42.56%
Operating Expenses to Revenue		 54.92% 52.35% 52.15% 50.70% 53.51% 44.66% 49.10% 56.52% 60.20% 51.16%
Earnings before Interest and Taxes (EBIT)		 24 31 36 37 23 58 49 43 36 52
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 28 34 36 37 21 53 48 44 36 53
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.17 0.00 1.01 0.58 1.14 0.89 0.85 0.97 0.94
Price to Tangible Book Value (P/TBV)		 0.00 0.17 0.00 1.01 0.58 1.14 0.89 0.85 0.97 0.94
Price to Revenue (P/Rev)		 0.42 0.36 2.70 2.74 1.75 3.03 2.28 2.40 2.87 2.62
Price to Earnings (P/E)		 1.77 1.55 8.24 8.59 8.43 7.10 6.80 7.75 11.45 8.16
Dividend Yield		 0.00% 0.00% 0.46% 1.71% 5.42% 2.23% 3.73% 4.14% 3.59% 3.76%
Earnings Yield		 56.65% 64.36% 12.14% 11.65% 11.87% 14.09% 14.71% 12.91% 8.74% 12.26%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.42 0.07 0.37 0.51 0.27 0.45 0.47
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 2.70 1.23 0.29 1.03 1.73 1.05 1.72 1.72
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 5.84 2.76 1.05 1.88 3.77 2.34 4.70 3.77
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 5.83 2.78 0.97 1.72 3.64 2.40 4.72 3.79
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 8.56 4.26 1.37 2.49 5.14 3.38 6.64 5.32
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 6.78 3.41 1.30 0.00 3.14 1.64 4.39 7.49
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 1.01 0.00 0.00 1.14 0.00 0.00 4.91 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.00 0.28 0.00 0.09 0.34 0.04 0.06 0.11 0.04 0.09
Long-Term Debt to Equity		 0.00 0.28 0.00 0.09 0.34 0.04 0.06 0.11 0.00 0.09
Financial Leverage		 0.00 0.28 0.28 0.09 0.22 0.18 0.05 0.09 0.08 0.07
Leverage Ratio		 0.00 10.14 10.14 7.70 7.97 8.31 7.72 7.61 8.21 8.42
Compound Leverage Factor		 0.00 10.30 9.87 7.17 7.97 8.14 7.72 7.61 8.21 8.42
Debt to Total Capital		 0.00% 21.96% 0.00% 8.10% 25.49% 3.76% 5.63% 10.05% 3.96% 8.02%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 3.96% 0.00%
Long-Term Debt to Total Capital		 0.00% 21.96% 0.00% 8.10% 25.49% 3.76% 5.63% 10.05% 0.00% 8.02%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 19.45% 17.83% 18.25% 16.31%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 0.00% 78.04% 0.00% 91.90% 74.51% 96.24% 74.92% 72.12% 77.79% 75.68%
Debt to EBITDA		 0.00 1.16 0.00 0.54 3.78 0.19 0.42 0.88 0.41 0.64
Net Debt to EBITDA		 0.00 -0.98 0.00 -3.39 -5.38 -3.65 -2.66 -4.60 -5.04 -3.28
Long-Term Debt to EBITDA		 0.00 1.16 0.00 0.54 3.78 0.19 0.42 0.88 0.00 0.64
Debt to NOPAT		 0.00 2.44 0.00 0.83 4.95 0.25 0.57 1.27 0.58 0.91
Net Debt to NOPAT		 0.00 -2.05 0.00 -5.24 -7.05 -4.82 -3.63 -6.62 -7.12 -4.62
Long-Term Debt to NOPAT		 0.00 2.44 0.00 0.83 4.95 0.25 0.57 1.27 0.00 0.91
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 11.68% 20.21% 19.40% 18.34%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -166 206 -223 -51 88 -54 -1.73 35 -7.76
Operating Cash Flow to CapEx		 2,029.13% 1,926.93% 2,691.49% 4,242.25% 958.13% -376.05% 1,050.19% 4,816.96% 956.69% 1,212.45%
Free Cash Flow to Firm to Interest Expense		 0.00 -16.42 11.50 -9.31 -3.74 20.21 -4.47 -0.03 0.38 -0.08
Operating Cash Flow to Interest Expense		 5.73 2.44 1.71 1.26 1.26 -0.37 4.73 1.01 0.42 0.28
Operating Cash Flow Less CapEx to Interest Expense		 5.45 2.32 1.65 1.23 1.13 -0.47 4.28 0.99 0.38 0.26
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.00 0.05 0.11 0.10 0.04 0.05 0.05 0.04 0.03 0.04
Fixed Asset Turnover		 0.00 14.52 0.00 0.00 19.96 27.08 20.80 15.36 13.97 14.05
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 0.00 182 0.00 247 314 266 355 388 379 424
Invested Capital Turnover		 0.00 0.75 0.85 0.68 0.28 0.33 0.34 0.27 0.26 0.29
Increase / (Decrease) in Invested Capital		 0.00 182 -182 247 67 -48 89 32 -9.06 45
Enterprise Value (EV)		 0.00 -8.94 208 103 22 100 180 104 171 199
Market Capitalization		 25 25 208 229 136 293 238 238 286 303
Book Value per Share		 $0.00 $10.60 $0.00 $14.46 $15.20 $17.27 $17.99 $19.62 $20.65 $22.50
Tangible Book Value per Share		 $0.00 $10.60 $0.00 $14.46 $15.20 $17.27 $17.99 $19.62 $20.65 $22.50
Total Capital		 0.00 182 0.00 247 314 266 355 388 379 424
Total Debt		 0.00 40 0.00 20 80 10 20 39 15 34
Total Long-Term Debt		 0.00 40 0.00 20 80 10 20 39 0.00 34
Net Debt		 0.00 -34 0.00 -126 -114 -193 -127 -203 -184 -173
Capital Expenditures (CapEx)		 1.98 1.28 1.14 0.71 1.78 0.43 5.45 1.32 4.08 2.19
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 40 0.00 20 80 10 20 39 15 34
Total Depreciation and Amortization (D&A)		 3.13 3.59 -0.09 0.33 -1.82 -5.21 -1.63 0.98 0.18 0.28
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.12 $1.22 $1.69 $0.00 $1.05 $2.66 $2.35 $2.14 $1.75 $2.59
Adjusted Weighted Average Basic Shares Outstanding		 12.53M 13.41M 14.40M 0.00 15.38M 15.02M 14.82M 14.30M 14.24M 14.20M
Adjusted Diluted Earnings per Share		 $1.11 $1.21 $1.65 $0.00 $1.04 $2.62 $2.31 $2.12 $1.74 $2.58
Adjusted Weighted Average Diluted Shares Outstanding		 12.61M 13.54M 14.69M 0.00 15.45M 15.25M 15.07M 14.42M 14.34M 14.28M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 16.01M 0.00 15.45M 14.91M 14.41M 14.26M 14.38M 14.23M
Normalized Net Operating Profit after Tax (NOPAT)		 14 16 24 24 16 40 35 31 26 37
Normalized NOPAT Margin		 23.65% 23.92% 31.50% 28.89% 20.76% 41.45% 33.60% 30.96% 25.89% 32.37%
Pre Tax Income Margin		 41.22% 45.71% 45.04% 41.16% 29.53% 58.88% 47.44% 43.62% 36.39% 45.36%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 3.48 3.06 1.99 1.54 1.70 13.41 4.08 0.69 0.39 0.56
NOPAT to Interest Expense		 2.00 1.62 1.35 1.01 1.19 9.25 2.89 0.49 0.28 0.40
EBIT Less CapEx to Interest Expense		 3.20 2.93 1.92 1.51 1.56 13.31 3.63 0.67 0.35 0.54
NOPAT Less CapEx to Interest Expense		 1.71 1.50 1.29 0.98 1.06 9.15 2.44 0.47 0.24 0.38
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 9.86% 9.81% 7.24% 16.43% 38.04% 16.59% 25.57% 32.27% 42.79% 31.54%
Augmented Payout Ratio		 9.86% 9.81% 7.24% 43.31% 78.15% 43.71% 44.81% 61.02% 43.65% 50.50%

Quarterly Metrics And Ratios for PCB Bancorp

This table displays calculated financial ratios and metrics derived from PCB Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 14,343,590.00 14,259,340.00 14,263,140.00 14,266,937.00 14,254,024.00 - 14,380,651.00 28,618,464.00 14,349,602.00 14,260,754.00 14,225,579.00
DEI Adjusted Shares Outstanding		 14,343,590.00 14,259,340.00 14,263,140.00 14,266,937.00 14,254,024.00 - 14,380,651.00 28,618,464.00 14,349,602.00 14,260,754.00 14,225,579.00
DEI Earnings Per Adjusted Shares Outstanding		 0.49 0.41 0.33 0.44 0.55 - 0.54 0.32 0.80 0.65 0.75
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -9.75% -6.80% -5.86% -0.63% 1.56% 7.29% 12.19% 20.92% 19.94% 11.31% 12.36%
EBITDA Growth		 -0.22% -32.73% -55.22% -17.56% 6.74% 16.89% 64.56% 45.09% 49.05% 27.32% 38.90%
EBIT Growth		 -2.00% -36.91% -55.03% -16.72% 6.94% 24.83% 65.96% 44.22% 48.82% 27.26% 38.11%
NOPAT Growth		 1.01% -32.11% -54.50% -16.00% 11.26% 18.99% 65.10% 44.42% 46.05% 31.37% 37.72%
Net Income Growth		 1.01% -32.11% -54.50% -16.00% 11.26% 18.99% 65.10% 44.42% 46.05% 31.37% 37.72%
EPS Growth		 6.52% -29.31% -52.86% -17.31% 6.12% 12.20% 60.61% 44.19% 50.00% 41.30% 39.62%
Operating Cash Flow Growth		 859.92% -40.14% -54.74% -10.84% -36.86% -57.31% -71.53% -66.53% 38.14% -30.71% 780.58%
Free Cash Flow Firm Growth		 96.90% 67.03% -5.43% -3,068.56% -498.77% 160.66% 111.76% 46.33% 14.60% -323.63% -611.94%
Invested Capital Growth		 2.75% 9.12% 18.76% 14.41% 5.98% -2.34% 0.21% 8.22% 6.13% 11.94% 11.44%
Revenue Q/Q Growth		 2.37% -2.10% -1.98% 1.15% 4.62% 3.43% 2.50% 9.02% 3.77% -4.01% 3.47%
EBITDA Q/Q Growth		 -5.16% -11.99% -26.07% 33.61% 22.79% -3.62% 4.08% 17.80% 26.14% -17.68% 13.54%
EBIT Q/Q Growth		 -5.28% -17.34% -21.28% 35.13% 21.64% -3.52% 4.66% 17.42% 25.52% -17.49% 13.57%
NOPAT Q/Q Growth		 -6.07% -15.88% -20.70% 34.07% 24.41% -10.03% 10.03% 17.27% 25.81% -19.08% 15.35%
Net Income Q/Q Growth		 -6.07% -15.88% -20.70% 34.07% 24.41% -10.03% 10.03% 17.27% 25.81% -19.08% 15.35%
EPS Q/Q Growth		 -5.77% -16.33% -19.51% 30.30% 20.93% -11.54% 15.22% 16.98% 25.81% -16.67% 13.85%
Operating Cash Flow Q/Q Growth		 14.72% -47.44% -16.65% 77.42% -18.76% -64.47% -44.40% 108.52% 235.36% -82.18% 606.63%
Free Cash Flow Firm Q/Q Growth		 -246.43% -1,156.97% -120.53% 26.86% 70.47% 227.34% -57.26% -433.92% 53.01% -233.46% 2.16%
Invested Capital Q/Q Growth		 0.42% 13.46% 3.13% -2.63% -6.98% 4.56% 5.82% 5.15% -8.78% 10.28% 5.35%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 40.42% 36.33% 27.40% 36.19% 42.48% 39.58% 40.19% 43.43% 52.79% 45.28% 49.69%
EBIT Margin		 40.05% 33.82% 27.16% 36.28% 42.18% 39.34% 40.17% 43.26% 52.33% 44.98% 49.37%
Profit (Net Income) Margin		 28.15% 24.19% 19.57% 25.93% 30.84% 26.82% 28.79% 30.97% 37.55% 31.66% 35.29%
Tax Burden Percent		 70.28% 71.53% 72.05% 71.49% 73.12% 68.18% 71.68% 71.59% 71.76% 70.38% 71.48%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 29.72% 28.47% 27.95% 28.51% 26.88% 31.82% 28.32% 28.41% 28.24% 29.62% 28.52%
Return on Invested Capital (ROIC)		 8.54% 6.45% 5.19% 6.93% 8.58% 6.98% 7.38% 8.23% 11.34% 9.13% 9.91%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 6.45% 5.19% 6.93% 0.00% 6.98% 7.38% 8.23% 0.00% 9.13% 9.91%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.56% 0.38% 0.36% 0.00% 0.53% 0.82% 0.91% 0.00% 0.59% 1.03%
Return on Equity (ROE)		 0.00% 7.01% 5.57% 7.29% 0.00% 7.51% 8.20% 9.14% 0.00% 9.72% 10.95%
Cash Return on Invested Capital (CROIC)		 7.22% -0.46% -10.34% -6.89% 1.20% 9.10% 6.99% -0.09% 3.49% -1.93% -1.29%
Operating Return on Assets (OROA)		 1.67% 1.29% 0.99% 1.31% 1.51% 1.34% 1.37% 1.51% 1.89% 1.64% 1.79%
Return on Assets (ROA)		 1.18% 0.92% 0.71% 0.94% 1.11% 0.91% 0.98% 1.08% 1.35% 1.15% 1.28%
Return on Common Equity (ROCE)		 0.00% 5.59% 4.45% 5.84% 0.00% 6.05% 6.63% 7.41% 0.00% 7.94% 8.97%
Return on Equity Simple (ROE_SIMPLE)		 9.80% 0.00% 7.17% 6.76% 6.81% 0.00% 7.78% 8.41% 9.17% 0.00% 10.18%
Net Operating Profit after Tax (NOPAT)		 7.02 5.91 4.69 6.28 7.81 7.03 7.74 9.07 11 9.24 11
NOPAT Margin		 28.15% 24.19% 19.57% 25.93% 30.84% 26.82% 28.79% 30.97% 37.55% 31.66% 35.29%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 47.63% 47.93% 51.36% 50.94% 47.86% 43.51% 44.45% 41.44% 41.68% 42.85% 42.37%
Operating Expenses to Revenue		 56.94% 59.23% 68.29% 62.65% 57.63% 53.02% 53.88% 50.63% 48.92% 51.51% 49.08%
Earnings before Interest and Taxes (EBIT)		 9.99 8.26 6.50 8.79 11 10 11 13 16 13 15
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 10 8.88 6.56 8.77 11 10 11 13 16 13 15
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.77 0.85 0.79 0.78 0.87 0.97 0.85 0.97 0.95 0.94 0.97
Price to Tangible Book Value (P/TBV)		 0.77 0.85 0.79 0.78 0.87 0.97 0.85 0.97 0.95 0.94 0.97
Price to Revenue (P/Rev)		 2.05 2.40 2.27 2.27 2.61 2.87 2.50 2.76 2.65 2.62 2.66
Price to Earnings (P/E)		 5.91 7.75 8.82 9.31 10.55 11.45 9.17 9.64 8.61 8.16 7.92
Dividend Yield		 4.51% 4.14% 4.64% 4.64% 4.02% 3.59% 4.15% 3.66% 3.75% 3.76% 3.68%
Earnings Yield		 16.93% 12.91% 11.33% 10.74% 9.48% 8.74% 10.91% 10.37% 11.62% 12.26% 12.62%
Enterprise Value to Invested Capital (EV/IC)		 0.25 0.27 0.25 0.38 0.36 0.45 0.35 0.35 0.00 0.47 0.38
Enterprise Value to Revenue (EV/Rev)		 0.85 1.05 1.03 1.52 1.34 1.72 1.38 1.37 0.00 1.72 1.42
Enterprise Value to EBITDA (EV/EBITDA)		 1.81 2.34 2.79 4.34 3.76 4.70 3.47 3.31 0.00 3.77 2.96
Enterprise Value to EBIT (EV/EBIT)		 1.82 2.40 2.85 4.43 3.84 4.72 3.48 3.33 0.00 3.79 2.98
Enterprise Value to NOPAT (EV/NOPAT)		 2.59 3.38 4.01 6.22 5.32 6.64 4.90 4.67 0.00 5.32 4.18
Enterprise Value to Operating Cash Flow (EV/OCF)		 1.24 1.64 1.89 2.88 2.94 4.39 4.27 6.33 0.00 7.49 3.76
Enterprise Value to Free Cash Flow (EV/FCFF)		 3.56 0.00 0.00 0.00 31.00 4.91 5.05 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.11 0.14 0.10 0.00 0.04 0.08 0.12 0.00 0.09 0.13
Long-Term Debt to Equity		 0.00 0.11 0.14 0.09 0.00 0.00 0.08 0.12 0.00 0.09 0.13
Financial Leverage		 0.00 0.09 0.07 0.05 0.00 0.08 0.11 0.11 0.00 0.07 0.10
Leverage Ratio		 7.26 7.61 7.80 7.80 7.75 8.21 8.38 8.44 8.37 8.42 8.57
Compound Leverage Factor		 7.26 7.61 7.80 7.80 7.75 8.21 8.38 8.44 8.37 8.42 8.57
Debt to Total Capital		 0.00% 10.05% 12.50% 9.24% 0.00% 3.96% 7.48% 10.68% 0.00% 8.02% 11.19%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 1.03% 0.00% 3.96% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 10.05% 12.50% 8.22% 0.00% 0.00% 7.48% 10.68% 0.00% 8.02% 11.19%
Preferred Equity to Total Capital		 20.23% 17.83% 17.29% 17.75% 19.08% 18.25% 17.25% 16.40% 17.98% 16.31% 15.48%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 79.77% 72.12% 70.22% 73.00% 80.92% 77.79% 75.27% 72.92% 82.02% 75.68% 73.33%
Debt to EBITDA		 0.00 0.88 1.38 1.05 0.00 0.41 0.74 1.01 0.00 0.64 0.88
Net Debt to EBITDA		 0.00 -4.60 -5.25 -4.13 0.00 -5.04 -4.53 -4.89 0.00 -3.28 -3.82
Long-Term Debt to EBITDA		 0.00 0.88 1.38 0.93 0.00 0.00 0.74 1.01 0.00 0.64 0.88
Debt to NOPAT		 0.00 1.27 1.99 1.51 0.00 0.58 1.04 1.42 0.00 0.91 1.24
Net Debt to NOPAT		 0.00 -6.62 -7.56 -5.93 0.00 -7.12 -6.39 -6.91 0.00 -4.62 -5.39
Long-Term Debt to NOPAT		 0.00 1.27 1.99 1.34 0.00 0.00 1.04 1.42 0.00 0.91 1.24
Noncontrolling Interest Sharing Ratio		 20.50% 20.21% 20.13% 19.93% 19.64% 19.40% 19.18% 18.94% 18.52% 18.34% 18.02%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -2.11 -27 -58 -43 -13 16 6.88 -23 -11 -36 -35
Operating Cash Flow to CapEx		 4,408.43% 3,864.45% 371.44% 821.91% 40,986.21% 9,180.43% 313.48% 457.14% 6,647.37% 2,322.22% 73,842.86%
Free Cash Flow to Firm to Interest Expense		 -0.13 -1.39 -2.59 -1.84 -0.54 0.69 0.30 -0.98 -0.44 -1.55 -1.60
Operating Cash Flow to Interest Expense		 1.15 0.52 0.37 0.63 0.51 0.18 0.10 0.21 0.67 0.13 0.94
Operating Cash Flow Less CapEx to Interest Expense		 1.12 0.51 0.27 0.55 0.51 0.18 0.07 0.16 0.66 0.12 0.94
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 18.77 15.36 12.72 12.74 13.38 13.97 11.86 12.06 13.25 14.05 14.77
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 342 388 400 389 362 379 401 422 385 424 447
Invested Capital Turnover		 0.30 0.27 0.27 0.27 0.28 0.26 0.26 0.27 0.30 0.29 0.28
Increase / (Decrease) in Invested Capital		 9.13 32 63 49 20 -9.06 0.86 32 22 45 46
Enterprise Value (EV)		 87 104 101 149 131 171 141 148 -1.82 199 169
Market Capitalization		 210 238 221 221 255 286 257 297 299 303 317
Book Value per Share		 $19.01 $19.62 $19.69 $19.93 $20.57 $20.65 $20.98 $21.48 $21.98 $22.50 $23.03
Tangible Book Value per Share		 $19.01 $19.62 $19.69 $19.93 $20.57 $20.65 $20.98 $21.48 $21.98 $22.50 $23.03
Total Capital		 342 388 400 389 362 379 401 422 385 424 447
Total Debt		 0.00 39 50 36 0.00 15 30 45 0.00 34 50
Total Long-Term Debt		 0.00 39 50 32 0.00 0.00 30 45 0.00 34 50
Net Debt		 -192 -203 -190 -142 -193 -184 -184 -219 -369 -173 -217
Capital Expenditures (CapEx)		 0.43 0.26 2.22 1.78 0.03 0.05 0.75 1.07 0.25 0.13 0.03
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 39 50 36 0.00 15 30 45 0.00 34 50
Total Depreciation and Amortization (D&A)		 0.09 0.62 0.06 -0.02 0.08 0.06 0.01 0.05 0.14 0.09 0.09
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.49 $0.42 $0.33 $0.43 $0.52 $0.47 $0.00 $0.63 $0.79 $0.64 $0.74
Adjusted Weighted Average Basic Shares Outstanding		 14.29M 14.30M 14.24M 14.24M 14.24M 14.24M 0.00 14.21M 14.20M 14.20M 14.14M
Adjusted Diluted Earnings per Share		 $0.49 $0.41 $0.33 $0.43 $0.52 $0.46 $0.00 $0.62 $0.78 $0.65 $0.74
Adjusted Weighted Average Diluted Shares Outstanding		 14.40M 14.42M 14.33M 14.31M 14.36M 14.34M 0.00 14.33M 14.33M 14.28M 14.24M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 14.26M 14.26M 14.27M 14.25M 14.27M 14.38M 0.00 14.35M 14.26M 14.23M 14.23M
Normalized Net Operating Profit after Tax (NOPAT)		 7.02 5.91 4.69 6.28 7.81 7.03 7.74 9.07 11 9.24 11
Normalized NOPAT Margin		 28.15% 24.19% 19.57% 25.93% 30.84% 26.82% 28.79% 30.97% 37.55% 31.66% 35.29%
Pre Tax Income Margin		 40.05% 33.82% 27.16% 36.28% 42.18% 39.34% 40.17% 43.26% 52.33% 44.98% 49.37%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.61 0.43 0.29 0.38 0.46 0.45 0.48 0.54 0.65 0.56 0.68
NOPAT to Interest Expense		 0.43 0.31 0.21 0.27 0.34 0.30 0.34 0.39 0.47 0.40 0.48
EBIT Less CapEx to Interest Expense		 0.58 0.42 0.19 0.30 0.46 0.44 0.44 0.50 0.64 0.56 0.68
NOPAT Less CapEx to Interest Expense		 0.40 0.30 0.11 0.19 0.33 0.30 0.31 0.34 0.46 0.39 0.48
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 28.54% 32.27% 41.04% 43.39% 43.33% 42.79% 39.65% 37.10% 33.43% 31.54% 29.87%
Augmented Payout Ratio		 65.52% 61.02% 48.95% 52.62% 47.97% 43.65% 43.72% 45.70% 47.52% 50.50% 45.58%

Financials Breakdown Chart

PCB Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, PCB Bancorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

PCB Bancorp's net income appears to be on an upward trend, with a most recent value of $37.45 million in 2025, rising from $14.00 million in 2016. The previous period was $25.81 million in 2024. See PCB Bancorp's forecast for analyst expectations on what's next for the company.

Over the last 9 years, PCB Bancorp's total revenue changed from $59.20 million in 2016 to $115.71 million in 2025, a change of 95.5%.

PCB Bancorp's total liabilities were at $2.89 billion at the end of 2025, a 7.1% increase from 2024, and a 122.5% increase since 2017.

In the past 7 years, PCB Bancorp's cash and equivalents has ranged from $15.22 million in 2021 to $27.10 million in 2024, and is currently $25.32 million as of their latest financial filing in 2025.

Over the last 9 years, PCB Bancorp's book value per share changed from 0.00 in 2016 to 22.50 in 2025, a change of 2,250.1%.


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Financial statements for NASDAQ:PCB last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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