PCB Bancorp (PCB) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, PCB Bancorp reported revenue of $115.7M, up 16.1% from $99.7M the year before. Net income was $37.5M (a 32.4% net margin), or $2.58 per diluted share. Net interest income was $103.9M, and the efficiency ratio (noninterest expense / revenue) was 51.2%. Operating activities generated $26.6M of cash, leaving $24.4M of free cash flow. At fiscal year end, PCB Bancorp held $3.28B in total assets against $2.89B in total liabilities, including $207.1M of cash and equivalents.
Open the full interactive PCB Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
PCB Bancorp Key Stats
| Share Price | $27.89 |
|---|---|
| Market Cap | $396.6M |
| P/E Ratio | 10.8 |
| Revenue YoY Growth | +16.1% |
| 52-Week Range | $19.15 – $30.38 |
| Shares Outstanding | 14.1 million (basic, 2026 Q2) |
PCB Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $66.2M | $77.1M | $89.6M | $88.5M | $88.6M | $103.9M |
| Provision for Credit Losses | $13.2M | -$4.6M | $3.6M | -$132,000 | $3.4M | $4.0M |
| Noninterest Income | $11.7M | $18.4M | $14.5M | $10.7M | $11.1M | $11.8M |
| Noninterest Expense | $41.7M | $43.2M | $51.1M | $56.1M | $60.0M | $59.2M |
| Revenue | $77.9M | $95.6M | $104.1M | $99.2M | $99.7M | $115.7M |
| Pre-Tax Income | $23.0M | $57.0M | $49.4M | $43.3M | $36.3M | $52.5M |
| Income Tax | $6.8M | $16.9M | $14.4M | $12.6M | $10.5M | $15.0M |
| Net Income | $16.2M | $40.1M | $35.0M | $30.7M | $25.8M | $37.5M |
| Diluted EPS | $1.04 | $2.62 | $2.31 | $2.12 | $1.74 | $2.58 |
PCB Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $30.4M | $29.2M | $30.2M | $30.7M |
| Net Income | $11.4M | $9.2M | $10.7M | $10.5M |
| Diluted EPS | $0.78 | $0.65 | $0.74 | $0.73 |
PCB Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $194.1M | $203.3M | $147.0M | $242.3M | $198.8M | $207.1M |
| Loans (Net) | $1.56B | $1.71B | $2.02B | $2.30B | $2.60B | $2.79B |
| Total Assets | $1.92B | $2.15B | $2.42B | $2.79B | $3.06B | $3.28B |
| Deposits | $1.59B | $1.87B | $2.05B | $2.35B | $2.62B | $2.80B |
| Total Long-Term Debt | $80.0M | $10.0M | $20.0M | $39.0M | — | $34.0M |
| Total Liabilities | $1.69B | $1.89B | $2.08B | $2.44B | $2.70B | $2.89B |
| Shareholders' Equity | $233.8M | $256.3M | $335.4M | $348.9M | $363.8M | $390.0M |
PCB Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $17.1M | -$1.6M | $57.3M | $63.3M | $39.0M | $26.6M |
| Cash From Investing | -$132.8M | -$175.2M | -$356.7M | -$275.3M | -$311.7M | -$200.1M |
| Cash From Financing | $163.6M | $186.0M | $243.1M | $307.2M | $229.2M | $181.9M |
| Free Cash Flow | $15.3M | -$2.0M | $51.8M | $62.0M | $34.9M | $24.4M |
Figures from PCB Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full PCB Bancorp financials page for every line item.
PCB Bancorp Company Profile
| Ticker | PCB |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Los Angeles, California |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, smaller reporting company |
| SEC CIK | 0001423869 |
Frequently Asked Questions
What was PCB Bancorp's revenue in fiscal 2025?
PCB Bancorp (PCB) reported revenue of $115.7M for fiscal 2025.
What is PCB Bancorp's annual revenue history?
PCB Bancorp's annual revenue by fiscal year: 2020: $77.9M; 2021: $95.6M; 2022: $104.1M; 2023: $99.2M; 2024: $99.7M; 2025: $115.7M.
What was PCB Bancorp's net income in fiscal 2025?
PCB Bancorp reported net income of $37.5M for fiscal 2025.
What was PCB Bancorp's earnings per share (EPS) in fiscal 2025?
PCB Bancorp's diluted EPS was $2.58 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did PCB Bancorp generate in fiscal 2025?
PCB Bancorp generated $24.4M of free cash flow in fiscal 2025.
What was PCB Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), PCB Bancorp reported revenue of $30.7M.
How much debt does PCB Bancorp have?
PCB Bancorp reported $34.0M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of PCB Bancorp are outstanding?
PCB Bancorp reported a weighted average of 14.1 million basic shares outstanding in 2026 Q2.
What is PCB Bancorp's market cap?
Based on its latest closing price, PCB Bancorp (PCB) has a market capitalization of about $396.6M.
When does PCB Bancorp's fiscal year end?
PCB Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is PCB Bancorp headquartered?
PCB Bancorp lists its business address in Los Angeles, California in its SEC filings.