MARKETS / NASDAQ / PCB

NASDAQ · STATE COMMERCIAL BANKS · MID CAP

PCB Bancorp PCB

10 fiscal years on record · USD · FY2025 reported · SEC filings only

7 YEARS OF DIVIDEND GROWTH

Revenue

$2.9M

▲ 4.5% YoY

Net income

$37.5M

▲ 45.1% YoY

Free cash flow

$24.4M

▼ 30.1% YoY

In brief

What this company does

The Company has no material operations other than those of the Bank. The Bank is a California state-chartered commercial bank. The Bank offers a broad range of loans, deposits, and other products and services predominantly to small and middle market businesses and individuals. The Company’s core lending strategy is, through the Bank, to build and maintain a diversified loan portfolio based on the type of customers (e.g., businesses versus individuals), loan products (e.g., commercial real estate (“CRE”) loans, commercial and industrial (“C&I”) loans, and consumer loans), geographical locations, and different industries in which its business customers are engaged (e.g., manufacturing, wholesale and retail trade, hospitality, etc.). The Company maintains a conservative credit culture with strict underwriting standards.

Written from the business description in PCB Bancorp's annual report to the U.S. Securities and Exchange Commission, filed 16 March 2026. Every sentence was checked against that document before publication.

Growth

USD 2.9M

Revenue, FY2025 · full 10-year series below

Revenue $M Net income $M

FY2025 · Revenue 2.9 · Net income 37.5

Compound annual growth

Revenue

+3.1%

+5.4%

Net income

+2.3%

+18.3%

EPS, diluted

+3.8%

+19.9%

Dividend / share

+10.1%

+14.9%

Returned to shareholders

+3.2%

+6.4%

3 yrs

5 yrs

10 yrs

15 yrs

Revenue compounded at +5.4% a year over five years — but profit grew faster: net income at +18.3%, earnings per share at +19.9%.

The share count fell from 0.02B to 0.01B — the buyback concentrates the same profit into fewer slices.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

1292 cents

of every revenue dollar became profit

Operating margin Net margin

FY2025 · Operating 1810.6% · Net 1291.9%

ROE

FY2025 · ROE 9.9%

Gross margin—

Operating margin1810.6%

Net margin1291.9%

Return on assets1.2%

EBITDAUSD 54.7M

Each USD of equity produced 10 cents of profit this year.

Cash & shareholders

USD 16.3M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 24.4

Net buybacks $M Dividends $M

FY2025 · Dividends 11.5 · Net buybacks 4.8

Dividends paidUSD 11.5M

Net buybacksUSD 4.8M

Share of profit43.5%

Consecutive raises7 years

USD 11.5M in dividends and USD 4.8M in buybacks — 43% of the year's profit went back to shareholders.

Total assetsUSD 3.3B

EquityUSD 390.0M

CashUSD 207.1M

Gross debtUSD 0.00

Net debtUSD -207.1M

DepositsUSD 2.8B

The company holds more cash than debt.

The 10-year record

10 fiscal years

Every figure from documents filed with the SEC · USD

row low → row highnegative

Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Revenue $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Operating income $B	0.1	0.0	0.0	0.0	0.1	0.0	0.0	0.0	0.0	0.0
EBITDA $B	0.1	0.0	0.0	0.1	0.1	0.0	0.0	0.0	0.0	0.0
Income tax $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net income $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Free cash flow $B	0.0	0.0	0.1	0.1	−0.0	0.0	0.0	0.0	0.0	0.0
EPS, diluted $	2.58	1.74	2.12	2.31	2.62	1.04	1.49	1.65	1.21	1.11
Dividend / sh $	0.80	0.72	0.69	0.60	0.44	0.40	0.25	0.12	0.12	·
Payout %	31	40	32	26	17	38	16	7	10	10
ROE %	9.9	7.2	9.0	11.8	16.4	7.0	11.0	13.8	12.2	11.0
Shares out B	0.01	0.01	0.01	0.01	0.01	0.02	0.02	0.02	0.01	·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance

Company facts, as filed

How we verify · 0 failures in 29 reconciliationsAUDITED

Reconciled in 10 of 19 fiscal years. 28 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures

ActivityState Commercial Banks

Listed onNASDAQ

Incorporated innot stated in the filings

Fiscal year endsDecember 31

SEC categorysmaller reporting company

Data on record since2016