PCB BANCORP PCB

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

PCB Bancorp is a California corporation incorporated in 2007 as a registered bank holding company subject to the Bank Holding Company Act of 1956, as amended ("BHCA"), to serve as the holding company for PCB Bank (the "Bank"), which was founded in 2003. The Company has no material operations other than those of the Bank.

The Bank is a California state-chartered commercial bank. The Bank's deposit accounts are insured by the Federal Deposit Insurance Corporation ("FDIC") up to the maximum amount currently allowable under federal law.

As of December 31, 2025, the Bank is a single operating segment that operates nine full-service branches in Los Angeles and Orange Counties, California, three full-service branches on the East Coast (Bayside, New York; and Englewood Cliffs and Palisades Park, New Jersey), two full-service branches in Texas (Carrollton and Dallas), and one full-service branch in Georgia (Suwanee). The Bank also has loan originators of primarily SBA loans in Washington. The Bank offers a broad range of loans, deposits, and other products and services predominantly to small and middle market businesses and individuals.

Last close 28.64 2026-10-23
Market cap $402.2M 2026-06-30 share count
52-week range 20.78 - 30.84

Valuation FY2025 figures against the last close

P/S138.8x
P/E11.1x
P/FCF16.5x
EV/EBITDA—
Dividend yield2.9%
Diluted EPS2.58

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $2.9M$2.8M$2.6M$2.6M$2.4M$2.2M$2.6M$2.4M$2.2M$2.2M
Interest expense $103.9M$88.6M$88.5M$89.6M$4.3M$13.6M$23.9M$18.0M$10.1M$7.0M
Pre-tax income $52.5M$36.3M$43.3M$49.4M$57.0M$23.0M$34.4M$34.7M$31.3M$24.4M
Income tax $15.0M$10.5M$12.6M$14.4M$16.9M$6.8M$10.2M$10.4M$14.9M$10.4M
Net income $37.5M$25.8M$30.7M$35.0M$40.1M$16.2M$24.1M$24.3M$16.4M$14.0M
EPS, basic 2.591.752.142.352.661.051.521.691.221.12
EPS, diluted 2.581.742.122.312.621.041.491.651.211.11
Shares, diluted (wtd. avg.) 14.3M14.3M14.4M15.1M15.3M15.4M16.2M14.7M13.5M12.6M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $207.1M$198.8M$242.3M$147.0M$203.3M$194.1M$146.2M$162.3M$73.7M$70.0M
Property, plant and equipment $8.2M$8.3M$6.0M$6.9M$3.1M$4.0M$3.8M$4.6M$4.7M—
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—
Retained earnings $186.5M$160.8M$146.1M$127.2M$101.1M$67.7M$57.7M$37.6M$15.0M—
Total equity $390.0M$363.8M$348.9M$335.4M$256.3M$233.8M$226.8M$210.3M$142.2M$127.0M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $26.6M$39.0M$63.3M$57.3M-$1.6M$17.1M$30.1M$30.7M$21.2M$40.2M
Depreciation and amortisation $2.2M$2.3M$2.2M$1.6M$1.4M$1.5M$1.5M$1.3M$1.1M$1.0M
Stock-based compensation $973.0K$504.0K$488.0K$539.0K$453.0K$715.0K$709.0K$648.0K$699.0K$717.0K
Capital expenditure $2.2M$4.1M$1.3M$5.5M$430.0K$1.8M$710.0K$1.1M$1.3M$2.0M
Investing cash flow -$200.1M-$311.7M-$275.3M-$356.7M-$175.2M-$132.8M-$61.9M-$168.1M-$215.5M-$214.0M
Financing cash flow $181.9M$229.2M$307.2M$243.1M$186.0M$163.6M$15.7M$226.1M$198.0M$166.8M
Dividends paid $11.5M$10.3M$9.9M$8.9M$6.7M$6.2M$4.0M$1.8M$1.6M$1.4M
Buybacks $7.1M$222.0K$8.8M$6.7M$10.9M$6.5M$6.5M$0$0—

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001423869-26-000011.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 20M 40M 60M Revenue, FY2016: 2.2M Net income, FY2016: 14M Revenue, FY2017: 2.2M Net income, FY2017: 16.4M Revenue, FY2018: 2.4M Net income, FY2018: 24.3M Revenue, FY2019: 2.6M Net income, FY2019: 24.1M Revenue, FY2020: 2.2M Net income, FY2020: 16.2M Revenue, FY2021: 2.4M Net income, FY2021: 40.1M Revenue, FY2022: 2.6M Net income, FY2022: 35M Revenue, FY2023: 2.6M Net income, FY2023: 30.7M Revenue, FY2024: 2.8M Net income, FY2024: 25.8M Revenue, FY2025: 2.9M Net income, FY2025: 37.5M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $2.2M $2.2M $2.4M $2.6M $2.2M $2.4M $2.6M $2.6M $2.8M $2.9M
Gross profit — — — — — — — — — —
Net income $14.0M $16.4M $24.3M $24.1M $16.2M $40.1M $35.0M $30.7M $25.8M $37.5M

Recent filings and events

  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Item 7.01
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Other event Item 8.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Other event Item 8.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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