Pcb Bancorp
PCB Nasdaq· State Commercial Banks
Last close · Oct 27, 2026
$28.98
KIRA · Stoqly’s AI analyst, in plain words
- Pcb Bancorp had $2.9M of revenue in fiscal 2025, up 4.5% on the year before. Over five years, revenue changed +5.4% a year on average.
- Pcb Bancorp made $37.5M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 9.8% a year.
- Pcb Bancorp returned $18.6M to shareholders in fiscal 2025, 76% of free cash flow. The diluted share count fell 0.4%.
- It earned 9.9% on shareholders’ money. Running costs took 2,042.0% of revenue (the efficiency ratio; lower is better).
Market cap
$412M
P/E
10.0x
Revenue
$2.9M
Net income
$37.5M
Return on equity
9.9%
Efficiency ratio
2,042.0%
Pcb Bancorp in 30 seconds · fiscal 2025
Are sales growing?
+4.5%
Only a little. Sales grew 4.5% last year.
Does it make a profit?
1,291.9%
Yes. It keeps 1,291.9% of every sale as profit.
How lean are its costs?
2,042.0%
Costly. Running costs take 2,042.0% of revenue.
How much does it earn on its capital?
9.9%
Fair. It earns 9.9% a year on shareholders’ money.
How is the share priced?
10.0x
One share costs 10.0 times its yearly profit per share.
What Pcb Bancorp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 16, 2026
- Legal name
- PCB BANCORP
- CIK
- 0001423869
Pcb Bancorp · PCB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $2.4M | $2.6M | $2.7M | $2.8M | $2.9M |
| Revenue growth | 6.2% | 11.5% | 0.3% | 4.7% | 4.5% |
| Net interest income | $77.1M | $89.6M | $88.5M | $88.6M | $104M |
| Net income | $40.1M | $35.0M | $30.7M | $25.8M | $37.5M |
| Net margin | 1,692.8% | 1,324.3% | 1,158.7% | 930.4% | 1,291.9% |
| Diluted EPS | $2.62 | $2.31 | $2.12 | $1.74 | $2.58 |
| Cash | |||||
| Cash from operations | −$1.6M | $57.3M | $63.3M | $39.0M | $26.6M |
| Capital expenditure | $0.4M | $5.5M | $1.3M | $4.1M | $2.2M |
| Free cash flow | −$2.0M | $51.8M | $62.0M | $34.9M | $24.4M |
| FCF margin | −86.4% | 1,961.2% | 2,340.7% | 1,258.5% | 841.5% |
| Dividends paid | $6.7M | $8.9M | $9.9M | $10.3M | $11.5M |
| Share buybacks | $10.9M | $6.7M | $8.8M | $0.2M | $7.1M |
| Share count change | −1.3% | −1.2% | −4.3% | −0.5% | −0.4% |
| Debt and strength | |||||
| Cash and short-term investments | $203M | $147M | $242M | $199M | $207M |
| Loans, net | $1.7B | $2.0B | $2.3B | $2.6B | $2.8B |
| Deposits | $1.9B | $2.0B | $2.4B | $2.6B | $2.8B |
| Shareholders' equity | $256M | $335M | $349M | $364M | $390M |
| Returns and quality | |||||
| Return on equity | 16.4% | 11.8% | 9.0% | 7.2% | 9.9% |
| Return on tangible equity | 15.6% | 10.4% | 8.8% | 6.9% | 9.4% |
| Efficiency ratio | 1,823.9% | 1,935.1% | 2,115.4% | 2,163.8% | 2,042.0% |
Insiders bought, 12 months
$0.4M
1 insider
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Pcb Bancorp · PCB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $28.98 a share, the company is worth $412M: 10.0 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001423869). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.