Saturday 17 October 2026
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PCB Bancorp
PCB Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $209.4 million, up 9.10% from fiscal 2024. In the quarter to June 2026, revenue grew 1.21%, EPS grew 15.9%, free cash flow fell 67.5% and total debt rose 200.0%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for five; insiders bought in the last twelve months.
27.97
0.17
+0.61%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
— | — | 7 | 6 | 6 | 5 | 6 | 6 | 6 | 7 |
P/E ratio |
12.99 | 12.99 | 9.33 | 11.44 | 9.63 | 8.26 | 7.57 | 8.48 | 11.57 | 8.36 |
P/S ratio |
3.18 | 3.18 | 2.39 | 2.62 | 1.70 | 3.30 | 2.28 | 1.60 | 1.50 | 1.47 |
P/FCF ratio |
15.21 | 15.21 | 7.63 | 9.33 | 10.16 | 0.00 | 5.11 | 4.17 | 8.26 | 12.61 |
P/Operating CF |
(25.62) | (25.62) | 15.92 | 64.00 | 4.30 | (252.52) | 16.03 | 26.12 | 68.26 | 105.10 |
P/B ratio |
1.77 | 1.77 | 1.07 | 1.21 | 0.67 | 1.29 | 0.99 | 0.92 | 0.98 | 0.96 |
Price to Tangible BV |
1.88 | 1.88 | 1.11 | 1.25 | 0.68 | 1.32 | 1.02 | 0.95 | 1.00 | 0.98 |
EV/Sales |
1.54 | 1.54 | 0.99 | 1.41 | 0.45 | 1.37 | 1.19 | 0.34 | 0.54 | 0.64 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
6.68 | 6.68 | 3.03 | 4.92 | 2.42 | (84.42) | 2.41 | 0.87 | 2.68 | 5.05 |
EV/FCF |
7.35 | 7.35 | 3.15 | 5.03 | 2.71 | (66.68) | 2.66 | 0.89 | 2.99 | 5.51 |
Quick Ratio |
0.06 | 0.06 | 0.11 | 0.10 | 0.12 | 0.11 | 0.07 | 0.10 | 0.07 | 0.07 |
Current Ratio |
1.00 | 1.01 | 1.03 | 1.07 | 1.10 | 1.04 | 1.07 | 1.07 | 1.06 | 1.06 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.00% | 2.77% | 1.77% | 1.15% | 4.16% | 0.47% | 0.83% | 1.40% | 0.49% | 1.04% |
Debt/Equity |
0.00 | 0.28 | 0.14 | 0.09 | 0.34 | 0.04 | 0.06 | 0.11 | 0.04 | 0.09 |
Asset Turnover |
0.05 | 0.06 | 0.06 | 0.06 | 0.05 | 0.05 | 0.05 | 0.06 | 0.07 | 0.07 |
Operating CF/Net income |
2.87 | 1.29 | 1.26 | 1.25 | 1.06 | (0.04) | 1.64 | 2.07 | 1.56 | 0.72 |
Capex/Depreciation |
(0.52) | (0.31) | (0.24) | (0.15) | (0.41) | (0.10) | (1.33) | (0.31) | (0.98) | (0.49) |
| 10.41% | 12.19% | 13.79% | 11.03% | 7.02% | 16.37% | 13.33% | 11.21% | 8.68% | 11.98% | |
| 1.05% | 1.23% | 1.55% | 1.40% | 0.88% | 1.97% | 1.52% | 1.18% | 0.85% | 1.16% | |
ROIC |
26.73% | 18.05% | 27.83% | 21.34% | 12.02% | 56.51% | 14.82% | 18.58% | 12.60% | 15.13% |
Return on Tangible Assets |
204.80% | 137.64% | 45.79% | 23.17% | 9.75% | 48.55% | 23.60% | 17.17% | 15.97% | 19.78% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
52.55% | 47.65% | 44.03% | 44.41% | 60.02% | 38.65% | 47.08% | 34.55% | 33.05% | 30.20% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.08% | 0.88% | 0.69% | 0.68% | 0.78% | 0.45% | 0.46% | 0.30% | 0.26% | 0.46% |
Graham Net Nets |
(0.10) | (0.10) | 0.08 | 0.26 | 0.47 | 0.19 | 0.43 | 0.43 | 0.40 | 0.41 |
Graham Number |
0.00 | 0.00 | 23.48 | 22.03 | 18.95 | 31.96 | 30.89 | 30.62 | 28.54 | 36.28 |
Earnings Yield |
7.70% | 7.70% | 10.71% | 8.74% | 10.39% | 12.11% | 13.21% | 11.79% | 8.65% | 11.96% |
Free Cash Flow Yield |
6.58% | 6.58% | 13.11% | 10.72% | 9.84% | (0.62%) | 19.56% | 24.00% | 12.11% | 7.93% |
Revenue per Share |
5.28 | 5.90 | 6.54 | 6.60 | 5.95 | 6.65 | 7.84 | 11.32 | 13.47 | 14.74 |
Operating CF per Share |
3.21 | 1.58 | 2.13 | 1.90 | 1.11 | (0.11) | 3.86 | 4.43 | 2.74 | 1.87 |
Capex per Share |
(0.16) | (0.10) | (0.08) | (0.04) | (0.12) | (0.03) | (0.37) | (0.09) | (0.29) | (0.15) |
Free Cash Flow per Share |
3.05 | 1.49 | 2.05 | 1.85 | 1.00 | (0.14) | 3.50 | 4.34 | 2.45 | 1.72 |
Cash per Share |
5.58 | 5.49 | 11.27 | 9.21 | 12.62 | 13.54 | 9.92 | 16.95 | 13.96 | 14.58 |
Shareholders Equity per Share |
10.13 | 10.60 | 14.61 | 14.29 | 15.20 | 17.07 | 22.63 | 24.39 | 25.55 | 27.46 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
10.13 | 10.60 | 14.61 | 14.29 | 15.20 | 17.07 | 22.63 | 24.39 | 25.55 | 27.46 |
Free Cash Flow |
38.22 | 19.93 | 29.54 | 29.41 | 15.31 | (2.05) | 51.81 | 62.03 | 34.91 | 24.40 |
Working Capital |
2.27 | 7.19 | 48.48 | 100.29 | 161.87 | 79.50 | 140.65 | 172.26 | 147.82 | 178.16 |
Capital Expenditures |
(1.98) | (1.28) | (1.14) | (0.71) | (1.78) | (0.43) | (5.45) | (1.31) | (4.07) | (2.19) |
Net Current Asset Value |
2.27 | (32.81) | 18.48 | 70.30 | 73.41 | 62.05 | 113.84 | 112.25 | 114.15 | 125.16 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.03 | 0.02 | 0.01 | 0.01 | 0.02 | 0.00 | 0.05 | 0.01 | 0.02 | 0.01 |
Price to Operating Income |
8.27 | 8.27 | 6.48 | 7.99 | 6.76 | 5.79 | 5.36 | 5.97 | 7.94 | 5.86 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.83 | 0.88 | 1.05 | 1.28 | 1.08 | 1.42 | 0.59 | 0.71 | 0.50 | 0.54 |
Cash ROIC |
19.40% | 7.79% | 7.34% | 7.48% | 3.01% | (0.44%) | 10.31% | 9.84% | 6.04% | 3.87% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.00 | 0.01 | 0.03 | 0.04 | 0.03 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
56,816.56 | 45,233.32 | 29,356.02 | 22,581.53 | 42,891.29 | 157,209.67 | 61,620.91 | 13,695.50 | 10,355.35 | 10,894.16 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,171.55 | 1,171.55 | 1,347.52 | 1,461.53 | 1,537.08 | 1,730.99 | 1,956.56 | 2,198.80 | 2,483.70 | 2,705.60 |
Average Assets |
1,335.32 | 1,334.32 | 1,569.51 | 1,721.68 | 1,834.59 | 2,036.29 | 2,284.89 | 2,604.77 | 2,926.74 | 3,172.87 |
Average Common Equity |
134.50 | 134.60 | 176.24 | 218.57 | 230.31 | 245.04 | 261.29 | 273.02 | 287.20 | 307.78 |
Columns are period end dates