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PCB BANCORP

PCB

$30.11 ▼ -0.76 (-2.46%) at close

11 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

PCB BANCORP shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $427.7M

Dividend Yield 2.66%

Revenue Growth 16.1% ↗

Op. Margin 45.4% ↗

ROIC None

FCF / Share None

Trailing P/E 11.6x

Price / Book 1.1x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

11-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$115.71M

↑ +16.1% —

Net Income Profit after all expenses

$37.45M

↑ +45.1% —

Operating Margin Operating profit as % of sales

45.4%

↑ +24.6% 96th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.80 Latest / share

+11.1% YoY

+31.1% 8-yr CAGR

FY 2015

FY 2016

FY 2017

$0.12

FY 2018

$0.25

FY 2019

$0.40

FY 2020

$0.44

FY 2021

$0.60

FY 2022

$0.69

FY 2023

$0.72

FY 2024

$0.80

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Revenue Growth YoY (%)	16.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+168%)	0.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-91%)	-4.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-179%)	9.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+49%)	22.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+277%)	-3.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-161%)	6.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	10.3% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+72%)	16.7% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+178%)	—	—
EPS Growth YoY (%)	48.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-18.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-8.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-11.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	153.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-30.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-10.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	38.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	8.9% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	45.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-15.9% Weak ↓ Weak Declining Year-over-year change in net income	-12.2% Weak ↓ Weak Declining Year-over-year change in net income	-12.8% Weak ↓ Weak Declining Year-over-year change in net income	147.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-32.9% Weak ↓ Weak Declining Year-over-year change in net income	-0.8% Weak ↓ Weak Declining Year-over-year change in net income	48.1% Excellent Excellent Year-over-year change in net income	17.1% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	3.6% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	1.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	8.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	8.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.8% Fair → Fair Stable Compound annual revenue growth over 3 years	4.1% Caution Caution Compound annual revenue growth over 3 years	11.0% Good Good Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	8.2% Good ↑ Good Improving Compound annual revenue growth over 5 years	4.3% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	8.6% Good Good Compound annual revenue growth over 5 years	10.1% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	3.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-13.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	26.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	15.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	16.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-4.9% Weak Weak Compound annual EPS growth over 3 years	10.7% Good Good Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Operating Margin (%) (%)	45.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+81%)	36.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	43.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	47.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+90%)	59.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+138%)	29.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	42.5% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	45.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+82%)	45.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+82%)	41.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	—
Effective Tax Rate (%) (%)	28.6% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.9% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.0% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.2% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.6% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.7% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.8% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.1% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	47.7% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	42.6% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	32.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	25.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	31.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	33.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	42.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+91%)	20.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	29.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	31.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	23.8% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	23.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	9.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	7.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	8.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	10.4% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	15.6% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+30%)	6.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	10.6% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	11.6% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.5% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.0% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Revenue per Share (USD)	$8.15	$7.00	$6.94	$7.03	$6.36	$5.07	$5.10	$5.29	$5.15	$4.72	—
Basic EPS, GAAP (USD)	$2.59	$1.75	$2.14	$2.35	$2.66	$1.05	$1.52	$1.69	$1.22	$1.12	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.80	$0.72	$0.69	$0.60	$0.44	$0.40	$0.25	$0.12	—	—	—
Book Value per Share (USD)	$27.41	$25.30	$24.46	$22.94	$17.24	$15.19	$14.44	$13.16	$10.60	$11.77	$10.00
Tangible Book Value per Share (USD)	$27.41	$25.30	$24.46	$22.94	$17.24	$15.19	$14.44	$13.16	$10.60	$11.77	$10.00
Basic Weighted Avg Shares (shares)	14.20M	14.24M	14.30M	14.82M	15.02M	15.38M	15.87M	14.40M	13.41M	12.53M	—
Dividend Payout Ratio (%)	30.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	41.1% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	32.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	25.5% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	16.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	38.1% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	16.4% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	7.1% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$390.03M	$363.81M	$348.87M	$335.44M	$256.29M	$233.79M	$226.83M	$210.30M	$142.18M	$127.01M	$98.04M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Sales/Revenue/Turnover (USD)	$115.71M	$99.71M	$99.19M	$104.13M	$95.57M	$77.93M	$80.90M	$76.20M	$69.06M	$59.20M	—
Depreciation Expense (USD)	$2.21M	$2.25M	$2.18M	$1.60M	$1.38M	$1.49M	$1.53M	$1.27M	$1.12M	$1.03M	—
Net Income, GAAP (USD)	$37.45M	$25.81M	$30.70M	$34.99M	$40.10M	$16.18M	$24.11M	$24.30M	$16.40M	$14.00M	—
Operating Cash Flow (USD)	$26.59M	$38.98M	$63.34M	$57.27M	$-1.62M	$17.09M	$30.12M	$30.68M	$24.68M	$40.20M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Net Interest Margin (approx.) (%)	3.2%	2.9%	3.2%	3.7%	3.6%	3.4%	4.0%	3.9%	3.8%	—	—
Efficiency Ratio (%) (%)	51.2%	60.2%	56.5%	49.1%	45.2%	53.5%	52.3%	52.8%	52.0%	54.9%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 11 years · 40 quarters

PCB BANCORP

Analytical Summary

11-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

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