PCB Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	37.45	25.81	30.71	34.99	40.1
Depreciation & Amortization	4.29	4.02	4.07	3.73	3.38
Provision for Credit Losses	4.03	3.4	-0.13	3.6	-4.6
Stock-Based Compensation	0.97	0.5	0.49	0.54	0.45
Net Change in Loans Held-for-Sale	-1.26	3.9	18.38	27.31	-21.98
Other Adjustments	-13.51	-16.52	-3.31	-1.89	-23.59
Changes in Accrued Interest and Accounts Receivable	2.18	-3.72	-0.93	-12.74	2.66
Changes in Accounts Payable	-7.57	21.59	14.07	1.72	1.94
Operating Cash Flow	26.59	38.99	63.34	57.27	-1.62
Operating Cash Flow Growth	-31.80%	-38.45%	10.61%	-	-
Net Change in Loans Held-for-Investment	-189.55	-304.65	-272.02	-316.64	-142.62
Net Change in Securities and Investments	-7.46	-3.73	0.59	-34.16	-6.23
Capital Expenditures	-2.19	-4.08	-1.32	-5.45	-0.43
Other Investing Activities	-0.94	0.71	-2.53	-0.42	-25.95
Investing Cash Flow	-200.14	-311.74	-275.27	-356.67	-175.22
Net Change in Deposits	179.62	264.18	305.63	178.85	272.28
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	19	15	-20	20	-
Long-Term Debt Issued	-	50	39	-	-
Long-Term Debt Repaid	-	-89	-	-10	-70
Net Long-Term Debt Issued (Repaid)	-	-39	39	-10	-70
Issuance of Common Stock	2.28	0.35	1.35	0.84	1.28
Repurchase of Common Stock	-7.18	-0.23	-8.83	-6.74	-10.88
Net Common Stock Issued (Repurchased)	-4.9	0.13	-7.48	-5.9	-9.6
Issuance of Preferred Stock	-	-	-	69.14	-
Net Preferred Stock Issued (Repurchased)	-	-	-	69.14	-
Common Dividends Paid	-11.47	-10.27	-9.91	-8.95	-6.66
Preferred Share Dividends Paid	-0.35	-0.77	-	-	-
Other Financing Activities	-0.01	-0.06	-	-	-
Financing Cash Flow	181.9	229.2	307.24	243.14	186.03
Net Cash Flow	8.35	-43.55	95.31	-56.25	9.19
Free Cash Flow	24.4	34.91	62.03	51.81	-2.05
Free Cash Flow Growth	-30.12%	-43.72%	19.71%	-	-
FCF Margin	21.84%	36.25%	62.45%	51.54%	-2.04%
Free Cash Flow Per Share	1.71	2.43	4.30	3.44	-0.13
Levered Free Cash Flow	33.87	3.79	85.6	12.25	-22.34
Unlevered Free Cash Flow	-3.29	17.81	15.89	-12.74	7.56

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

SEC Filings: 10-K · 10-Q