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Friday 6 November 2026 Export PCB’s income statement to Excel — free account

PCB Bancorp

PCB Financial Banks Regional

PCB Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $209.4 million, up 9.10% from fiscal 2024.

Revenue
+2.13%
EPS
+8.86%
Free cash flow
−6.30%
Total debt
+200.0%

Quarter to September 2026, against a year earlier

30.24 0.71 −2.29%
Market cap
$424.1M
P/E
10.2×
Fwd P/E
9.9×
Dividend yield
2.84%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.42
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 2 2 — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 25.50%

Capital & Financial Ratios $m

Size
Market Cap 424.10
Revenue ttm 213.91
Net income ttm 42.60
Free cash flow ttm 39.84
Net debt Q (413.20)
Valuation
P/E 10.18
Forward P/E 9.86
Price / sales 1.98
Forward P/S Powerpack
Price / FCF 10.60
Price / book 1.27
Financial health
Current ratio Q 0.00
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +2.13% (above 0%: growing)
Operating income growth Q +7.17% (above 0%: growing)
EPS, this year +19.25% (at or above 15%: strong)
EPS, next year A +5.20%
Revenue, next year A −40.30% (below 0%: weak)
EPS, past 5 yrs +19.93% (at or above 15%: strong)
EPS, next 5 yrs A +10.10%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 70.09%
10-year low 10-year high
P/S against its own 10 years 54.41%
10-year low 10-year high
P/B against its own 10 years 86.21%
10-year low 10-year high

Dividends

Yield
2.84%
Annual rate
0.86
Payout ratio
29.1%
Growth, 2017–25
+26.8%/yr
  1. 0.12 ’17
  2. 0.12 ’18 +0
  3. 0.25 ’19 +108
  4. 0.40 ’20 +60
  5. 0.44 ’21 +10
  6. 0.60 ’22 +36
  7. 0.69 ’23 +15
  8. 0.90 ’24 +30
  9. 0.80 ’25 −11
  10. 0.89 ’26e +11
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 242 199 207 413
Receivables — — — —
Inventory — — — —
Other — — — —
2,553 2,814 3,017 —
2023 2024 2025 Q'26
Payables 2,352 2,616 2,795 3,077
ST’ Debt — — — —
Other — — — —
2,381 2,666 2,839 3,118

Compound Annual Growth %

10y 5y 3y
Sales — 18.00% 21.67%
Cash Flow — 9.24% (22.57%)
Earnings — 17.91% 1.90%
Book Value — 10.78% 5.15%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.74 Actual 0.85

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.61 0.64 Beat by 0.03
Q1 FY26 0.67 0.74 Beat by 0.07
Q2 FY26 0.73 0.73 Met by 0.00
Q3 FY26 0.74 0.85 Beat by 0.11
Q4 FY26 0.73 — Reports 4 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.74 0.73 0.85 — —
’25 0.53 0.62 0.78 0.64 2.58
’24 0.33 0.43 0.52 0.46 1.74
’23 0.70 0.52 0.49 0.41 2.12
’22 0.67 0.60 0.46 0.58 2.31
’21 0.55 0.64 0.73 0.70 2.62
’20 0.23 0.22 0.22 0.38 1.04
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 52 53 56 — —
’25 49 53 55 52 209
’24 47 47 49 49 192
’23 38 39 41 43 162
’22 26 26 30 34 116
’21 22 25 27 26 100
’20 24 22 22 24 92
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 21 1 15 — —
’25 2 5 16 3 27
’24 8 15 12 4 39
’23 18 16 19 10 63
’22 29 10 2 17 57
’21 9 (2) (8) (1) (2)
’20 (6) 11 (24) 36 17
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 21 1 15 — —
’25 2 4 16 3 24
’24 6 13 12 4 35
’23 18 16 18 10 62
’22 29 9 0 14 52
’21 9 (2) (8) (1) (2)
’20 (8) 11 (24) 36 15
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 66 79 94 105 92 100 116 162 192 209 214 +13.6% 125 134 — (20.1%)
Gross margin, % 89.41 87.24 80.93 77.19 85.17 95.66 89.58 61.28 51.96 55.27 57.24 (34.1) pt
EBT 24 31 35 34 23 57 49 43 36 52 60 +8.9%
EBT margin, % 36.85 39.59 36.90 32.77 25.15 57.01 42.50 26.73 18.91 25.07 27.92 (11.8) pt
Net income 14 16 24 24 16 40 35 31 26 37 43 +11.6%
Per share, $
Per share, $ Revenue 5.28 5.90 6.54 6.60 5.95 6.65 7.84 11.32 13.47 14.74 15.31 +12.1%
Earnings 1.12 1.22 1.69 1.52 1.05 2.66 2.35 2.14 1.75 2.59 2.97 +9.8%
Cash flow 3.21 1.58 2.13 1.90 1.11 (0.11) 3.86 4.43 2.74 1.87 2.89 (5.8%)
Capex (0.16) (0.10) (0.08) (0.04) (0.12) (0.03) (0.37) (0.09) (0.29) (0.15) (0.03) (0.3%)
Free cash flow 3.05 1.49 2.05 1.85 1.00 (0.14) 3.50 4.34 2.45 1.72 2.85 (6.2%)
Book value 10.13 10.60 14.61 14.29 15.20 17.07 22.63 24.39 25.55 27.46 28.78 +11.7%
Shares, m 13 13 14 16 15 15 15 14 14 14 14 +1.4%
Valuation, ×
Valuation, × P/E 11.06 11.06 9.33 11.44 9.63 8.26 7.57 8.48 11.57 8.36 10.18 9.7
P/S 0.00 0.00 2.39 2.62 1.70 3.30 2.28 1.60 1.50 1.47 1.98 1.7
P/B 0.00 1.56 1.07 1.21 0.67 1.29 0.99 0.92 0.98 0.96 1.27 1.0
EV/Sales 1.54 1.54 0.99 1.41 0.45 1.37 1.19 0.34 0.54 0.64 — 1.0
EV/FCF 7.35 7.35 3.15 5.03 2.71 (66.68) 2.66 0.89 2.99 5.51 — (2.9)
Cash, $m
Cash, $m Operating cash flow 40 21 31 30 17 (2) 57 63 39 27 40 (4.5%)
Capex (2) (1) (1) (1) (2) 0 (5) (1) (4) (2) 0 +1.1%
Free cash flow 38 20 30 29 15 (2) 52 62 35 24 40 (4.9%)
Balance, $m
Balance, $m Working capital 2 7 48 100 162 79 141 172 148 178 (3,118) +62.3%
Net debt (70) (34) (132) (126) (114) (193) (127) (203) (184) (173) (413) +10.6%
Shareholders’ equity 127 142 210 227 234 256 335 349 364 390 402 +13.3%
Returns, %
Returns, % ROA 1.05 1.23 1.55 1.40 0.88 1.97 1.52 1.18 0.85 1.16 0.00 +0.1 pt
ROIC 26.73 18.05 27.83 21.34 12.02 56.51 14.82 18.58 12.60 15.13 0.00 (11.6) pt
ROE 10.41 12.19 13.79 11.03 7.02 16.37 13.33 11.21 8.68 11.98 0.00 +1.6 pt
People
People Employees — — — 256 248 249 274 271 263 265 — +0.6%
Revenue/emp, $m 0.00 0.00 0.00 0.41 0.37 0.40 0.42 0.60 0.73 0.79 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

PCB Bancorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
CBK Commercial Bancgroup, Inc. $447.5M 11.0× 10.9× +4.55% (above 0%: growing) +3.01% (above 0%: growing) +28.43% (above 0%: growing) 73.79% 0.00% Compare
PLBC Plumas Bancorp $435.6M 10.4× 10.7× +5.59% (above 0%: growing) +121.62% (above 0%: growing) +204.74% (above 0%: growing) 86.67% 0.00% Compare
SUPV Grupo Supervielle S.A. $433.5M — (loss-making) — −1.93% (below 0%: shrinking) −28.57% (below 0%: shrinking) −129.06% (below 0%: shrinking) 64.28% 0.00% Compare
RBB RBB Bancorp $432.5M 10.5× 10.1× −4.00% (below 0%: shrinking) +13.21% (above 0%: growing) +4.05% (above 0%: growing) 55.01% 0.00% Compare
PCB PCB Bancorp $424.1M 10.2× 9.9× +2.13% (above 0%: growing) +8.86% (above 0%: growing) −6.30% (below 0%: shrinking) 57.79% 0.00%
CZFS Citizens Financial Services Inc. $413.9M 9.6× 9.8× +8.19% (above 0%: growing) +18.66% (above 0%: growing) +84.04% (above 0%: growing) 66.14% 0.00% Compare
FNLC First Bancorp, Inc (ME) $412.9M 10.3× 10.2× +2.14% (above 0%: growing) +17.07% (above 0%: growing) −23.54% (below 0%: shrinking) 59.15% 0.00% Compare
CHMG Chemung Financial Corp $410.8M 10.7× 10.1× +6.14% (above 0%: growing) +62.35% (above 0%: growing) −3.80% (below 0%: shrinking) 75.38% 0.00% Compare
FCBM FIRST CAROL FIN $410.1M — — — — — 60.28% 0.00% Compare
Median of peers $423.2M 10.4× 10.1× +4.55% +17.07% +4.05% 65.21% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 9 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.07m 1.09m 110.92
2024 921.73k 960.31k 113.73
2023 1.10m 1.17m 108.08

Ownership

Directors and executive officers, together 27.00%
Sang Young Lee, Chairman of the Board 14.34%
BlackRock, Inc. 5.76%
Don Rhee, Director 5.34%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

PCB Bancorp (PCB) Latest News

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stockrow.com/PCB · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com