NASDAQ : PCB
PCB Bancorp — Financial statements
Financials · Banks - Regional · United States
Last price 29.1 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 406.20M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 183.17M | 180.34M | 164.30M | 136.03M | 95.05M | 79.16M |
| Interest Income on Investments | 18.05M | 17.19M | 16.52M | 15.15M | 6.70M | 2.32M |
| Total Interest Income | 201.22M | 197.54M | 180.82M | 151.18M | 101.75M | 81.47M |
| Interest Paid on Deposits | 89.71M | 92.26M | 90.49M | 62.16M | 11.98M | 4.04M |
| Interest Paid on Borrowings | 1.76M | 1.40M | 1.71M | 508.00K | 135.00K | 292.00K |
| Total Interest Expense | 91.47M | 93.66M | 92.20M | 62.67M | 12.12M | 4.33M |
| Net Interest Income | 109.75M | 103.88M | 88.62M | 88.50M | 89.63M | 77.14M |
| Other Non-Interest Income | 6.08M | 5.68M | 5.80M | 5.64M | 5.18M | 4.31M |
| Total Non-Interest Income | 12.70M | 11.84M | 11.09M | 10.68M | 14.50M | 18.43M |
| Revenues Before Loan Losses | 122.44M | 115.71M | 99.71M | 99.19M | 104.13M | 95.57M |
| Provision for Loan Losses | 1.71M | 4.03M | 3.40M | -132.00K | 3.60M | -4.60M |
| Revenue | 120.73M | 111.69M | 96.31M | 99.32M | 100.53M | 100.17M |
| Salaries and Employee Benefits | 37.66M | 35.58M | 35.16M | 34.08M | 32.52M | 27.52M |
| Occupancy Expenses | 5.35M | 5.46M | 5.49M | 4.78M | 3.73M | 3.00M |
| Selling, General & Administrative | 12.03M | 11.91M | 11.83M | 11.35M | 10.09M | 9.01M |
| Other Non-Interest Expense | 5.51M | 5.79M | 7.04M | 5.84M | 4.79M | 3.68M |
| Total Non-Interest Expense | 60.55M | 58.74M | 59.52M | 56.06M | 51.13M | 43.21M |
| EBT Excluding Unusual Items | 60.18M | 52.94M | 36.79M | 43.26M | 49.40M | 56.96M |
| Asset Writedown | -238.00K | -238.00K | ||||
| Legal Settlements | -217.00K | -217.00K | ||||
| Other Unusual Items | -508.00K | |||||
| Pretax Income | 59.73M | 52.49M | 36.29M | 43.26M | 49.40M | 56.96M |
| Income Tax Expense | 17.12M | 15.04M | 10.48M | 12.56M | 14.42M | 16.86M |
| Net Income | 42.60M | 37.45M | 25.81M | 30.70M | 34.99M | 40.10M |
| Preferred Dividends & Other Adjustments | 642.00K | 596.00K | 881.00K | 95.00K | 157.00K | 156.00K |
| Net Income to Common | 41.96M | 36.86M | 24.93M | 30.61M | 34.83M | 39.95M |
| Basic Shares Outstanding | 14.09M | 14.20M | 14.24M | 14.30M | 14.82M | 15.02M |
| Diluted Shares Outstanding | 14.16M | 14.28M | 14.34M | 14.42M | 15.07M | 15.25M |
| EPS (Basic) | 2.98 | 2.59 | 1.75 | 2.14 | 2.35 | 2.66 |
| EPS (Diluted) | 2.96 | 2.58 | 1.74 | 2.12 | 2.31 | 2.62 |
| Dividend Per Share | 0.86 | 0.80 | 0.72 | 0.69 | 0.60 | 0.44 |
| Effective Tax Rate | 28.67% | 28.64% | 28.87% | 29.03% | 29.18% | 29.59% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 413.20M | 207.14M | 198.79M | 242.34M | 147.03M | 203.28M |
| Investment Securities | 18.62M | 20.97M | 18.86M | 22.31M | 21.03M | |
| Mortgage-Backed Securities | 190.19M | 148.58M | 133.68M | 128.26M | 123.86M | 103.77M |
| Total Investments | 190.19M | 167.21M | 154.65M | 147.12M | 146.16M | 124.80M |
| Gross Loans | 2.84B | 2.82B | 2.63B | 2.32B | 2.05B | 1.73B |
| Allowance for Loan Losses | -34.09M | -33.38M | -30.63M | -27.53M | -24.94M | -22.38M |
| Net Loans | 2.81B | 2.79B | 2.60B | 2.30B | 2.02B | 1.71B |
| Property, Plant & Equipment | 22.96M | 25.35M | 25.53M | 24.91M | 13.27M | 9.88M |
| Loans Held for Sale | 2.32M | 12.08M | 6.29M | 5.16M | 22.81M | 37.03M |
| Accrued Interest Receivable | 10.95M | 10.67M | 10.47M | 9.47M | 7.47M | 5.37M |
| Long-Term Deferred Tax Assets | 10.14M | 9.21M | 7.25M | 3.12M | 10.82M | |
| Other Real Estate Owned & Foreclosed | 2.56M | |||||
| Other Long-Term Assets | 61.98M | 48.29M | 48.33M | 49.53M | 49.05M | 40.33M |
| Total Assets | 3.54B | 3.28B | 3.06B | 2.79B | 2.42B | 2.15B |
| Interest Bearing Deposits | 1.65B | 1.53B | 1.40B | 1.18B | 897.12M | 764.48M |
| Institutional Deposits | 847.11M | 708.63M | 665.12M | 575.70M | 413.88M | 272.27M |
| Non-Interest Bearing Deposits | 579.78M | 555.64M | 547.85M | 594.67M | 734.99M | 830.38M |
| Total Deposits | 3.08B | 2.80B | 2.62B | 2.35B | 2.05B | 1.87B |
| Short-Term Borrowings | 34.00M | 15.00M | 39.00M | 20.00M | ||
| Current Portion of Long-Term Debt | 10.00M | |||||
| Current Portion of Leases | 3.56M | 2.71M | ||||
| Accrued Interest Payable | 41.13M | 25.23M | 24.41M | 18.05M | 3.16M | 771.00K |
| Long-Term Leases | 17.82M | 15.43M | 18.67M | 20.14M | 6.81M | 4.74M |
| Long-Term Deferred Tax Liabilities | 876.00K | |||||
| Other Long-Term Liabilities | 18.11M | 26.29M | 10.96M | 8.64M | 8.10M | |
| Total Liabilities | 3.14B | 2.89B | 2.70B | 2.44B | 2.08B | 1.89B |
| Preferred Stock, Redeemable | 69.14M | 69.14M | 69.14M | 69.14M | 69.14M | |
| Common Stock | 134.77M | 139.26M | 143.19M | 142.56M | 149.63M | 154.99M |
| Retained Earnings | 210.25M | 186.49M | 160.80M | 146.09M | 127.18M | 101.14M |
| Comprehensive Income & Other | -12.02M | -4.86M | -9.32M | -8.92M | -10.51M | 154.00K |
| Total Common Equity | 332.99M | 320.88M | 294.67M | 279.73M | 266.30M | 256.29M |
| Shareholders' Equity | 402.13M | 390.03M | 363.81M | 348.87M | 335.44M | 256.29M |
| Total Liabilities & Equity | 3.54B | 3.28B | 3.06B | 2.79B | 2.42B | 2.15B |
| Total Debt | 17.82M | 53.00M | 33.67M | 59.14M | 26.81M | 17.44M |
| Net Cash (Debt) | 395.38M | 154.15M | 165.12M | 183.21M | 120.22M | 185.84M |
| Net Cash Per Share | 27.92 | 10.80 | 11.51 | 12.71 | 7.98 | 12.18 |
| Filing Date Shares Outstanding | 13.97M | 14.13M | 14.26M | 14.22M | 14.35M | 14.86M |
| Total Common Shares Outstanding | 13.97M | 14.14M | 14.26M | 14.22M | 14.56M | 14.81M |
| Book Value Per Share | 23.83 | 22.69 | 20.66 | 19.67 | 18.29 | 17.30 |
| Tangible Book Value | 332.99M | 320.88M | 294.67M | 279.73M | 266.30M | 256.29M |
| Tangible Book Value Per Share | 23.83 | 22.69 | 20.66 | 19.67 | 18.29 | 17.30 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 37.45M | 25.81M | 30.70M | 34.99M | 40.10M | |
| Depreciation & Amortization | 4.29M | 4.02M | 4.07M | 3.73M | 3.38M | |
| Gain (Loss) on Sale of Investments | 146.00K | 159.00K | 209.00K | 367.00K | 1.00M | |
| Provision for Credit Losses | 4.03M | 3.40M | -132.00K | 3.60M | -4.60M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -1.26M | 3.90M | 18.38M | 27.31M | -21.98M | |
| Accrued Interest Receivable | 2.18M | -3.72M | -934.00K | -12.74M | 2.66M | |
| Other Operating Activities | -6.25M | -10.14M | 2.25M | 9.29M | -8.16M | |
| Operating Cash Flow | 26.59M | 38.98M | 63.34M | 57.27M | -1.62M | |
| Capital Expenditures | -2.19M | -4.08M | -1.31M | -5.45M | -430.00K | |
| Investment in Securities | -7.46M | -4.73M | 594.00K | -34.16M | -6.23M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -189.55M | -304.65M | -272.02M | -316.64M | -142.62M | |
| Other Investing Activities | -936.00K | 1.71M | -2.53M | -415.00K | -29.38M | |
| Investing Cash Flow | -200.14M | -311.74M | -275.27M | -356.67M | -175.22M | |
| Short-Term Debt Issued | 19.00M | 15.00M | 20.00M | |||
| Long-Term Debt Issued | 50.00M | 39.00M | ||||
| Total Debt Issued | 19.00M | 65.00M | 39.00M | 20.00M | ||
| Short-Term Debt Repaid | -20.00M | |||||
| Long-Term Debt Repaid | -89.00M | -10.00M | -70.00M | |||
| Total Debt Repaid | -89.00M | -20.00M | -10.00M | -70.00M | ||
| Net Debt Issued (Repaid) | 19.00M | -24.00M | 19.00M | 10.00M | -70.00M | |
| Issuance of Common Stock | 2.28M | 353.00K | 1.35M | 840.00K | 1.28M | |
| Repurchase of Common Stock | -7.19M | -287.00K | -8.83M | -6.74M | -10.88M | |
| Preferred Stock Issued | 69.14M | |||||
| Common Dividends Paid | -11.46M | -10.27M | -9.91M | -8.95M | -6.66M | |
| Preferred Dividends Paid | -346.00K | -772.00K | ||||
| Total Dividends Paid | -11.81M | -11.04M | -9.91M | -8.95M | -6.66M | |
| Net Increase (Decrease) in Deposit Accounts | 179.62M | 264.18M | 305.63M | 178.85M | 272.28M | |
| Financing Cash Flow | 181.90M | 229.20M | 307.24M | 243.14M | 186.03M | |
| Net Cash Flow | 8.35M | -43.55M | 95.31M | -56.25M | 9.19M | |
| Free Cash Flow | 24.40M | 34.91M | 62.03M | 51.81M | -2.05M | |
| Free Cash Flow Margin | 21.84% | 36.25% | 62.45% | 51.54% | -2.04% | |
| Free Cash Flow Per Share | 1.71 | 2.43 | 4.30 | 3.44 | -0.13 | |
| Cash Interest Paid | 92.84M | 85.84M | 47.78M | 9.73M | 5.79M | |
| Cash Income Tax Paid | 23.05M | 6.37M | 4.28M | 13.98M | 14.98M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 420.11M | 306.21M | 288.37M | 262.02M | 260.72M | 324.71M |
| Last Close Price | 29.25 | 21.09 | 18.96 | 16.55 | 15.21 | 18.33 |
| PE Ratio | 10.16 | 8.31 | 11.57 | 8.56 | 7.49 | 8.13 |
| PS Ratio | 3.38 | 2.74 | 2.99 | 2.64 | 2.59 | 3.24 |
| PB Ratio | 1.23 | 0.79 | 0.79 | 0.75 | 0.78 | 1.27 |
| P/FCF Ratio | 10.00 | 12.55 | 8.26 | 4.22 | 5.03 | |
| P/OCF Ratio | 9.88 | 11.52 | 7.40 | 4.14 | 4.55 | |
| Debt / Equity Ratio | 0.04 | 0.14 | 0.09 | 0.17 | 0.08 | 0.07 |
| Debt / FCF Ratio | 2.17 | 0.96 | 0.95 | 0.52 | ||
| Net Debt / Equity Ratio | -0.98 | -0.40 | -0.45 | -0.53 | -0.36 | -0.72 |
| Net Debt / FCF Ratio | -6.32 | -4.73 | -2.95 | -2.32 | 90.79 | |
| Return on Equity (ROE) | 10.83% | 9.94% | 7.24% | 8.97% | 11.82% | 16.37% |
| Return on Assets (ROA) | 1.23% | 1.18% | 0.88% | 1.18% | 1.53% | 1.97% |
| Earnings Yield | 9.85% | 12.23% | 8.95% | 11.72% | 13.42% | 12.35% |
| FCF Yield | 10.00% | 7.97% | 12.11% | 23.67% | 19.87% | -0.63% |
| Dividend Yield | 2.95% | 3.69% | 3.56% | 3.74% | 3.35% | 2.01% |
| Payout Ratio | 29.72% | 31.54% | 42.79% | 32.27% | 25.57% | 16.59% |
| Buyback Yield / Dilution | 1.41% | 0.44% | 0.52% | 4.30% | 1.24% | 1.26% |
| Total Shareholder Return | 4.42% | 4.13% | 4.08% | 8.04% | 4.59% | 3.27% |