PCB Bancorp (PCB)

PCB Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	103.88	88.62	88.5	89.63	77.14
Net Interest Income Growth	17.22%	0.13%	-1.26%	16.20%	16.54%
Non-Interest Income	11.84	11.09	10.68	14.5	18.43
Non-Interest Income Growth	6.70%	3.84%	-26.32%	-21.35%	57.02%
Revenues Before Loan Losses	115.71	99.71	99.19	104.13	95.57
Provision for Credit Losses	4.03	3.4	-0.13	3.6	-4.6
Revenue	111.69	96.31	99.32	100.53	100.17
Revenue Growth (YoY)	15.97%	-3.03%	-1.20%	0.36%	54.79%
Compensation Expenses	36.55	35.66	34.57	33.06	27.97
Selling, General & Admin	16.4	16.82	15.65	13.28	11.56
Other Non-Interest Expenses	6.25	7.55	5.84	4.79	3.68
Total Non-Interest Expense	59.2	60.02	56.06	51.13	43.21
Pretax Income	52.49	36.29	43.26	49.4	56.96
Provision for Income Taxes	15.04	10.48	12.56	14.42	16.86
Net Income	37.15	24.98	30.71	34.99	40.1
Net Income Attributable to Preferred Dividends	0.3	0.83	-	-	-
Net Income to Common	37.15	24.98	30.71	34.99	40.1
Net Income Growth	48.75%	-18.66%	-12.24%	-12.76%	147.93%
Shares Outstanding (Basic)	14	14	14	15	15
Shares Outstanding (Diluted)	14	14	14	15	15
Shares Change (YoY)	-0.44%	-0.52%	-4.30%	-1.24%	-1.26%
EPS (Basic)	2.59	1.75	2.14	2.35	2.66
EPS (Diluted)	2.58	1.74	2.12	2.31	2.62
EPS Growth	48.28%	-17.93%	-8.22%	-11.83%	151.92%
Free Cash Flow	24.4	34.91	62.03	51.81	-2.05
Free Cash Flow Growth	-30.12%	-43.72%	19.71%	-	-
Free Cash Flow Per Share	1.71	2.43	4.30	3.44	-0.13
Dividends Per Share	0.800	0.720	0.690	0.600	0.440
Dividend Growth	11.11%	4.35%	15.00%	36.36%	10.00%
Profit Margin	33.53%	26.80%	30.92%	34.80%	40.04%
FCF Margin	21.84%	36.25%	62.45%	51.54%	-2.04%
EBITDA	4.29	4.02	4.07	3.73	3.38
EBITDA Margin	3.84%	4.17%	4.09%	3.71%	3.38%
Effective Tax Rate	28.64%	28.87%	29.03%	29.18%	29.59%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q