Saturday 17 October 2026 Export PCB’s income statement to Excel — free account

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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Market cap: $390.4M
P/E: 9.6×
Fwd P/E: 8.7×
Dividend yield: 3.07%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.42

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	2	2	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 26.28%

Capital & Financial Ratios $m

Market Cap 390.44

Revenue 212.74

Net Income 41.81

Free Cash Flow 40.86

Net Debt (175.20)

Current Ratio 1.07

Debt/Equity 0.22

P/E ratio 9.64

Fwd P/E 8.67

P/S ratio 1.85

P/B ratio 1.19

Past 5Y EPS Growth 19.93%

This Y EPS Growth 14.60%

Next Y EPS Growth 2.37%

Next Y revenue growth (40.30%)

Next 5Y EPS Growth 5.74%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 55.42%

10-year low 10-year high

P/S against its own 10 years 52.11%

10-year low 10-year high

P/B against its own 10 years 79.44%

10-year low 10-year high

Dividends

Payout Ratio 0.30

Annual Dividend Rate 0.86

Annual Dividend Yield 3.07%

	total	individual payouts
2027	Powerpack
2026	0.89	0.22 0.22 0.22
2025	0.80	0.20 0.20 0.20 0.20
2024	0.90	0.18 0.18 0.18 0.18 0.18
2023	0.69	0.15 0.18 0.18 0.18
2022	0.60	0.15 0.15 0.15 0.15
2021	0.44	0.10 0.10 0.12 0.12
2020	0.40	0.10 0.10 0.10 0.10
2019	0.25	0.05 0.06 0.06 0.08
2018	0.12	0.03 0.03 0.03 0.03
2017	0.12	0.03 0.03 0.03 0.03
2016	0.11	0.03 0.03 0.03 0.03

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	242	199	207	265
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	2,553	2,814	3,017	3,176

	2023	2024	2025	Q'26
Payables	2,352	2,616	2,795	2,923
ST’ Debt	—	—	—	—
Other	—	—	—	—
	2,381	2,666	2,839	2,962

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	52	53	—	—	—
’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	—	—	—
’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	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.74	0.73	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	13.36	13.82	7.31	10.00	17.60	12.86	14.50	16.00	Analyst estimates 2026–2028 Powerpack
	High	—	—	20.95	19.18	17.44	23.50	26.04	19.41	22.20	24.04
People
People	Employees	—	—	—	256	248	249	274	271	263	265
	Revenue/emp, $m	0.00	0.00	0.00	0.41	0.37	0.40	0.42	0.60	0.73	0.79
Income, $m
Income, $m	Revenue	66	79	94	105	92	100	116	162	192	209
	Gross margin, %	89.41	87.24	80.93	77.19	85.17	95.66	89.58	61.28	51.96	55.27
	EBT	24	31	35	34	23	57	49	43	36	52
	EBT margin, %	36.85	39.59	36.90	32.77	25.15	57.01	42.50	26.73	18.91	25.07
	Net income	14	16	24	24	16	40	35	31	26	37
	Depreciation	4	4	5	5	4	4	4	4	4	4
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
	Earnings	1.12	1.22	1.69	1.52	1.05	2.66	2.35	2.14	1.75	2.59
	Cash flow	3.21	1.58	2.13	1.90	1.11	(0.11)	3.86	4.43	2.74	1.87
	Capex	(0.16)	(0.10)	(0.08)	(0.04)	(0.12)	(0.03)	(0.37)	(0.09)	(0.29)	(0.15)
	Free cash flow	3.05	1.49	2.05	1.85	1.00	(0.14)	3.50	4.34	2.45	1.72
	Book value	10.13	10.60	14.61	14.29	15.20	17.07	22.63	24.39	25.55	27.46
	Shares, m	13	13	14	16	15	15	15	14	14	14
Valuation, ×
Valuation, ×	P/E	12.99	12.99	9.33	11.44	9.63	8.26	7.57	8.48	11.57	8.36
	P/S	3.18	3.18	2.39	2.62	1.70	3.30	2.28	1.60	1.50	1.47
	P/B	1.77	1.77	1.07	1.21	0.67	1.29	0.99	0.92	0.98	0.96
	EV/Sales	1.54	1.54	0.99	1.41	0.45	1.37	1.19	0.34	0.54	0.64
	EV/FCF	7.35	7.35	3.15	5.03	2.71	(66.68)	2.66	0.89	2.99	5.51
Cash, $m
Cash, $m	Operating cash flow	40	21	31	30	17	(2)	57	63	39	27
	Capex	(2)	(1)	(1)	(1)	(2)	0	(5)	(1)	(4)	(2)
	Free cash flow	38	20	30	29	15	(2)	52	62	35	24
Balance, $m
Balance, $m	Working capital	2	7	48	100	162	79	141	172	148	178
	Total debt	—	40	30	20	80	10	20	39	15	34
	Net debt	(70)	(34)	(132)	(126)	(114)	(193)	(127)	(203)	(184)	(173)
	Shareholders’ equity	127	142	210	227	234	256	335	349	364	390
Returns, %
Returns, %	ROA	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
	ROE	10.41	12.19	13.79	11.03	7.02	16.37	13.33	11.21	8.68	11.98

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
ISTR Investar Holding Corporation	$395.3M	16.4×	10.1×	+48.21% (above 0%: growing)	+39.13% (above 0%: growing)	+108.35% (above 0%: growing)	64.92%	0.00%	Compare
PCB PCB Bancorp	$390.4M	9.6×	8.7×	+1.21% (above 0%: growing)	+15.87% (above 0%: growing)	−67.53% (below 0%: shrinking)	57.65%	0.00%
CHMG Chemung Financial Corp	$383.8M	11.6×	9.9×	+85.38% (above 0%: growing)	n/m	−18.05% (below 0%: shrinking)	75.31%	0.00%	Compare
PKBK Parke Bancorp, Inc.	$383.7M	8.3×	—	+9.73% (above 0%: growing)	+48.57% (above 0%: growing)	−12.38% (below 0%: shrinking)	60.74%	0.00%	Compare
FRST Primis Financial Corp.	$382.9M	7.2×	12.8×	+19.34% (above 0%: growing)	+285.01% (above 0%: growing)	+85.35% (above 0%: growing)	71.20%	0.00%	Compare
FNLC First Bancorp, Inc (ME)	$381.4M	10.1×	10.2×	+1.24% (above 0%: growing)	+17.81% (above 0%: growing)	−281.41% (below 0%: shrinking)	58.03%	0.00%	Compare
NECB Northeast Community Bancorp Inc.	$381.0M	8.6×	8.3×	−5.64% (below 0%: shrinking)	−11.76% (below 0%: shrinking)	−14.85% (below 0%: shrinking)	68.91%	0.00%	Compare
CZFS Citizens Financial Services Inc.	$380.6M	9.4×	7.9×	+2.61% (above 0%: growing)	+20.45% (above 0%: growing)	−106.85% (below 0%: shrinking)	68.26%	0.00%	Compare
MVBF Mvb Financial Corp.	$377.0M	9.6×	12.3×	+33.88% (above 0%: growing)	+493.75% (above 0%: growing)	−42.33% (below 0%: shrinking)	75.80%	0.00%	Compare
Median of peers	$382.1M	9.5×	10.1×	+14.53%	+39.13%	−16.45%	68.59%	0.00%

All 323 Banks Regional stocks →

PCB Bancorp (PCB) key facts

Strength: PCB Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $209.4 million, up 9.10% from fiscal 2024.
Strength: Net income was $37.5 million, or $2.59 per share (basic), a net margin of 17.6%.
PCB Bancorp (PCB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, PCB traded at $27.97, a market capitalization of $390.4 million.
At that price the stock trades at 9.6× trailing-twelve-month earnings and 1.9× sales; its P/E is higher than 55% of its own readings over the past ten years.
PCB Bancorp pays an annual dividend of $0.86 per share, a yield of 3.07%, with a payout ratio of 29.8%.
Return on equity was 12.0% and debt-to-equity 0.22.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.