PCB Bancorp (PCB)

PCB Bancorp Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	40.37	37.45	25.81	30.71	34.99	40.1
Depreciation & Amortization	4.12	4.29	4.02	4.07	3.73	3.38
Provision for Credit Losses	2.9	4.03	3.4	-0.13	3.6	-4.6
Stock-Based Compensation	0.97	0.97	0.5	0.49	0.54	0.45
Net Change in Loans Held-for-Sale	14.57	-1.26	3.9	18.38	27.31	-21.98
Other Adjustments	-11.23	-13.51	-16.52	-3.31	-1.89	-23.59
Changes in Accrued Interest and Accounts Receivable	1.48	2.18	-3.72	-0.93	-12.74	2.66
Changes in Accounts Payable	-6.01	-7.57	21.59	14.07	1.72	1.94
Operating Cash Flow	44.92	26.59	38.99	63.34	57.27	-1.62
Operating Cash Flow Growth	35.75%	-31.80%	-38.45%	10.61%	-	-
Net Change in Loans Held-for-Investment	-145.7	-189.55	-304.65	-272.02	-316.64	-142.62
Net Change in Securities and Investments	-20.56	-7.46	-3.73	0.59	-34.16	-6.23
Capital Expenditures	-1.47	-2.19	-4.08	-1.32	-5.45	-0.43
Other Investing Activities	-0.47	-0.94	0.71	-2.53	-0.42	-25.95
Investing Cash Flow	-168.66	-200.14	-311.74	-275.27	-356.67	-175.22
Net Change in Deposits	173.58	179.62	264.18	305.63	178.85	272.28
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-30	19	15	-20	20	-
Long-Term Debt Issued	50	-	50	39	-	-
Long-Term Debt Repaid	-	-	-89	-	-10	-70
Net Long-Term Debt Issued (Repaid)	50	-	-39	39	-10	-70
Issuance of Common Stock	1.71	2.28	0.35	1.35	0.84	1.28
Repurchase of Common Stock	-6.42	-7.18	-0.23	-8.83	-6.74	-10.88
Net Common Stock Issued (Repurchased)	-4.71	-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	-11.71	-11.47	-10.27	-9.91	-8.95	-6.66
Preferred Share Dividends Paid	-0.35	-0.35	-0.77	-	-	-
Other Financing Activities	-	-0.01	-0.06	-	-	-
Financing Cash Flow	176.8	181.9	229.2	307.24	243.14	186.03
Net Cash Flow	53.06	8.35	-43.55	95.31	-56.25	9.19
Free Cash Flow	43.45	24.4	34.91	62.03	51.81	-2.05
Free Cash Flow Growth	78.08%	-30.12%	-43.72%	19.71%	-	-
FCF Margin	37.41%	21.84%	36.25%	62.45%	51.54%	-2.04%
Free Cash Flow Per Share	3.04	1.71	2.43	4.30	3.44	-0.13
Levered Free Cash Flow	88.14	33.87	3.79	85.6	12.25	-22.34
Unlevered Free Cash Flow	-1.88	-3.29	17.81	15.89	-12.74	7.56

Updated May 7, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q