PCB Bancorp

PCB Bancorp

PCBยทNASDAQ

$24.00

-2.1%
Financial ServicesBanks - Regional

PCB Bancorp operates as the bank holding company for Pacific City Bank that provides various banking products and services to small to medium-sized businesses, individuals, and professionals in Southern California. The company offers demand, savings, money market, and time deposits, as well as certificates of deposit; and remote deposit capture, courier deposit services, positive pay services, zero balance accounts, and sweep accounts. It also provides real estate loans, including commercial and residential, Small Business Administration (SBA) property, and construction loans; commercial and industrial loans, such as commercial term and lines of credit, SBA commercial term, and SBA Paycheck Protection Program loans; and other consumer loans comprising automobile secured loans and personal loans. In addition, the company offers access to account balances, online transfers, and online bill payment and electronic delivery of customer statements; and mobile banking solutions that include remote check deposit and mobile bill pay. Further, it provides automated teller machines; and banking by telephone, mail, personal appointment, debit cards, direct deposit, and cashier's checks, as well as treasury management, wire transfer, and automated clearing house services. The company operates through a network of 11 full-service branches in Los Angeles and Orange counties, California; and one full-service branch in each of Englewood Cliffs, New Jersey, and Bayside, New York. It also operates 10 loan production offices in Irvine, Artesia, and Los Angeles, California; Annandale, Virginia; Atlanta, Georgia; Chicago, Illinois; Bellevue, Washington; Aurora, Colorado; Carrollton, Texas; and New York, New York. The company was formerly known as Pacific City Financial Corporation and changed its name to PCB Bancorp in July 2019. PCB Bancorp was founded in 2003 and is headquartered in Los Angeles, California.

At a Glance

Live Snapshot
Market Cap$341.63M
EPS2.6200
P/E Ratio9.16
Earnings Date07/23/2026
3Y-54.0%
5Y+56.0%
10Y-34.0%
3Y-44.0%
5Y+51.0%
10Y-6.0%
3Y-25.0%
5Y+11.0%
10Y+9.0%
PCB

PCB Bancorp Cash Conversion Engine

PCB ยท NASDAQ
Net Income37.45M
Depreciation & Amortization0.00
Stock-Based Compensation0.00
Change in Working Capital-5.39M
Others-5.48M
Capital Expenditures-2.19M
Free Cash Flow25.66M

Cash Flow Quality Analysis

FCF Conversion Rate

68.5%

Moderate conversion rate. Some gap between earnings and cash flow may warrant investigation into working capital or non-cash items.

CapEx Intensity

8.2%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

-26.5%

Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.

Working Capital Impact

-$5.39M

Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.

Cash Flow Quality Insight

Solid cash generation: Positive free cash flow with reasonable earnings quality provides financial flexibility for growth investments, debt reduction, or shareholder returns.

PCB Bancorp Cash Flow Statement

PCB โ€ข NASDAQ

PCB Bancorp Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
37.5M
25.8M
30.7M
35M
40.1M
16.2M
24.1M
24.3M
16.4M
14M
12.2M
11.8M
21.4M
8M
841.7K
-17.7M
-16.1M
720.9K
2.5M
2.8M
0.0
4M
4.1M
3.7M
3.4M
3.4M
3.9M
4M
3.4M
3.1M
3.2M
1.1M
891.8K
502.2K
653.4K
873K
984.9K
1.1M
925.8K
457.6K
0.0
-8M
4.1M
12.2M
-2M
-3.7M
-2.6M
641K
1.7M
39K
1.5M
1.5M
-7.6M
0.0
48.2K
4M
-804.4K
-822K
-825K
-695K
0.0
504K
488K
539K
453K
715K
709K
648K
699K
717K
291K
182K
134K
31.9K
156.2K
287.1K
394.5K
463K
505.5K
0.0
-5.5M
-1.2M
10.8M
16.9M
-48.2M
9.6M
5.3M
-2M
-1.5M
24.2M
40.9M
540K
11.1M
430.2K
25.5M
12.9M
29.4M
2.3M
2.3M
2M
(23.1M)
(6.4M)
(4.3M)
(14M)
(15M)
(10.1M)
(13.4M)
(7.6M)
(12.1M)
(11.6M)
(8.8M)
(5.7M)
(2.8M)
(104.1K)
(260K)
(3.1M)
(1.2M)
(1.8M)
(3.2M)
(0.0)
-5.4M
17.9M
13.1M
-11M
4.6M
-9.2M
-1.3M
3.1M
557K
-1.9M
-1.1M
2.9M
1.9M
716.9K
-427K
3.9M
-2.6M
-1M
0.0
1.6M
26.6M
39M
63.3M
57.3M
-1.6M
17.1M
30.1M
30.7M
21.2M
40.2M
56.8M
18M
27.8M
9.7M
27.2M
386K
13.7M
3.7M
5.4M
6.2M
INVESTING ACTIVITIES
(0.0)
-4.1M
-1.3M
-5.5M
-430K
-1.8M
-710K
-1.1M
-1.3M
-2M
-2.4M
-647K
-1.6M
-312.4K
-203.4K
-210.2K
-149.6K
-195.4K
-2.4M
-2.3M
(0.0)
-24.5M
-17.3M
-57.4M
-47.3M
-39.4M
-14.1M
-44M
-73M
-23M
-52.4M
-19.2M
-44.1M
-46.3M
-1M
-6M
-8M
-12.9M
-23.6M
-6M
0.0
19.8M
17.9M
23.2M
41.1M
38.5M
67.4M
24.7M
21M
23.8M
12M
23.3M
22.6M
2.7M
2.6M
7.1M
10.7M
25M
14M
0.0
-200.1M
-302.9M
-274.6M
-317.1M
-168.6M
-130.1M
-114.4M
-147.6M
-162.3M
-212.8M
-140.5M
-149.7M
-118.5M
-71.6M
-8.9M
18.2M
32M
-103.9M
-148.4M
-108.1M
-200.1M
-311.7M
-275.3M
-356.7M
-175.2M
-132.8M
-61.9M
-168.1M
-215.5M
-214M
-183.4M
-146.3M
-141.6M
-115.6M
-7.5M
(19.1M)
(34.5M)
-92M
-160.4M
-116.4M
FINANCING ACTIVITIES
-4.9M
-222K
-8.8M
-6.7M
-10.9M
-6.5M
-6.5M
45M
0.0
15.2M
0.0
5.9M
0.0
0.0
3.8M
18.7M
3.6M
6.1M
-310K
68K
19M
-24M
19M
10M
-70M
60M
-10M
-10M
40M
0.0
0.0
-853K
0.0
0.0
-8.2M
8.2M
-5M
5M
5M
0.0
-11.8M
-11M
-9.9M
-8.9M
-6.7M
-6.2M
-4M
-1.8M
-1.6M
-1.4M
-882K
-1.2M
-3.7M
(0.0)
(0.0)
(0.0)
-358.1K
(0.0)
(0.0)
(0.0)
-7.2M
-222K
-8.8M
-6.7M
-10.9M
-6.5M
-6.5M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-8.3M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-310K
(0.0)
179.6M
264.5M
307M
179.7M
273.6M
116.2M
36.2M
192.8M
159.6M
152.9M
136.8M
128.8M
135.5M
56.7M
11.7M
-8.8M
-25.1M
46.4M
109.4M
112.6M
181.9M
229.2M
307.2M
243.1M
186M
163.6M
15.7M
226.1M
198M
166.8M
135.9M
124.3M
123.5M
56.7M
7.3M
18.1M
-26.8M
73.7M
114.1M
112.6M
CASH FLOW SUMMARY
8.4M
-43.6M
95.3M
-56.3M
9.2M
47.9M
-16M
88.6M
3.7M
-7M
9.4M
-4M
9.7M
-49.1M
27M
37.6M
21.5M
-14.6M
-40.9M
2.4M
198.8M
242.3M
147M
203.3M
194.1M
146.2M
162.3M
73.7M
70M
77M
67.5M
71.5M
61.8M
110.9M
83.9M
46.3M
24.8M
39.4M
80.3M
77.8M
207.1M
198.8M
242.3M
147M
203.3M
194.1M
146.2M
162.3M
73.7M
70M
77M
67.5M
71.5M
61.8M
110.9M
83.9M
46.3M
24.8M
39.4M
80.3M
25.7M
34.9M
62M
51.8M
-2M
15.3M
29.4M
29.5M
19.9M
38.2M
54.4M
17.3M
26.2M
9.4M
27M
175.8K
13.6M
3.5M
2.9M
3.9M

SEC Filings

PCB - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 27, 2026
May 27, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 07, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 22, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 09, 2026
May 27, 2026
2026
10-K

10-K 2025 FY

FY

March 16, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 29, 2026
January 28, 2026
2026
10-Q

10-Q 2025 Q3

Q3

November 07, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

October 23, 2025
October 22, 2025
2025
10-Q

10-Q 2025 Q2

Q2

August 08, 2025
June 30, 2025
2025
8-K

8-K 2025

N/A

July 24, 2025
July 23, 2025
2025
Showing 1 to 10 of 129 filings