PCB Bancorp (PCB) Balance Sheet
PCB balance sheet, 2025
December 31, 2025 · U.S. dollars$3.28B assets = $2.89B liabilities + $390.0M equity
Both columns are drawn to the same scale: what PCB owns equals what it owes plus shareholders’ equity. Hover a block for its value.
PCB financial health
Descriptive bands, not a rating. Fiscal 2025.
PCB balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $1.23B2016 | $3.28B2025 | +11.6%/yr | |
| Total liabilities | $1.10B2016 | $2.89B2025 | +11.3%/yr | |
| Shareholders’ equity | $127.0M2016 | $390.0M2025 | +13.3%/yr | |
| Cash & short-term investments | $152.8M2016 | $185.3M2025 | +2.2%/yr | |
| Total debt | $40.0M2017 | $72.0M2025 | +7.6%/yr | |
| Net cash (debt) | $163.3M2017 | $113.3M2025 | −$50.0M | |
| Working capital | −$936.8M2016 | −$1.03B2025 | −$92.8M | |
| Book value per share | $10.072016 | $27.312025 | +11.7%/yr | |
| Debt / equity | 0.282017 | 0.182025 | −0.10 | |
| Shares outstanding | 12.6M2016 | 14.3M2025 | +1.4%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
PCB assets
PCB liabilities and equity
PCB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
PCB balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $185.3M | $345.1M | $385.7M | $288.9M | $326.5M | $314.6M | $243.8M | $309.3M | $203.3M | $152.8M |
| Cash & equivalents | $25.3M | $198.8M | $242.3M | $147.0M | $203.3M | $194.1M | $146.2M | $162.3M | $73.7M | $70.0M |
| Short-term investments | $160.0M | $146.3M | $143.3M | $141.9M | $123.2M | $120.5M | $97.6M | $147.0M | $129.7M | $82.8M |
| Receivables | $10.7M | $10.5M | $9.5M | $7.5M | $5.4M | $9.3M | $5.1M | $11.6M | $10.3M | $10.0M |
| Inventory | $0 | $0 | −$251.8M | −$154.5M | −$208.7M | −$204.8M | −$151.4M | −$167.5M | −$78.0M | −$70.5M |
| Other current assets | $0 | $0 | $251.8M | $154.5M | $208.7M | $204.8M | $151.4M | $167.5M | $78.0M | $70.5M |
| Total current assets | $196.0M | $355.6M | $395.1M | $296.4M | $331.9M | $324.0M | $248.9M | $320.9M | $213.6M | $162.8M |
| Property, plant & equipment (net) | $25.4M | $25.5M | $24.9M | $13.3M | $9.9M | $11.7M | $12.8M | $4.6M | $4.7M | $4.6M |
| Goodwill & intangible assets | $5.6M | $5.8M | $6.7M | $7.3M | $122.3M | $124.1M | $125.2M | $173.9M | $9.0M | $8.3M |
| Long-term investments | $160.0M | $146.3M | $143.3M | $141.9M | $123.2M | $120.5M | $117.7M | $168.8M | $150.8M | $100.4M |
| Other non-current assets | $2.89B | $2.53B | $2.22B | $1.96B | $1.56B | $1.34B | $1.24B | $1.03B | $1.06B | $950.5M |
| Total assets | $3.28B | $3.06B | $2.79B | $2.42B | $2.15B | $1.92B | $1.75B | $1.70B | $1.44B | $1.23B |
| Liabilities | ||||||||||
| Accounts payable | — | — | $29.0M | $11.8M | $8.9M | $5.8M | $10.2M | $13.0M | $8.5M | $7.8M |
| Short-term debt | $19.0M | $15.0M | $42.4M | $22.7M | $12.7M | $72.5M | $12.7M | $10.0M | $10.0M | — |
| Deferred revenue | — | — | −$29.0M | −$10.9M | −$3.8M | −$66.7M | −$2.5M | $3.0M | −$1.5M | — |
| Total current liabilities | $1.23B | $2.63B | $2.38B | $2.06B | $1.88B | $1.60B | $1.49B | $1.46B | $1.26B | $1.10B |
| Long-term debt | $34.0M | $0 | $39.0M | $20.0M | $10.0M | $80.0M | $20.0M | $30.0M | $40.0M | $0 |
| Lease obligations | $19.0M | $18.7M | $20.1M | $6.8M | $7.4M | $8.5M | $10.0M | — | — | — |
| Other long-term liabilities | $2.84B | $69.4M | $21.0M | $6.8M | $7.4M | $8.5M | $10.0M | $0 | $0 | $1.10B |
| Total liabilities | $2.89B | $2.70B | $2.44B | $2.08B | $1.89B | $1.69B | $1.52B | $1.49B | $1.30B | $1.10B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $139.3M | $143.2M | $142.6M | $149.6M | $155.0M | $164.1M | $169.2M | $174.4M | $125.4M | $125.1M |
| Retained earnings (deficit) | $186.5M | $160.8M | $146.1M | $127.2M | $101.1M | $67.7M | $57.7M | $37.6M | $15.0M | $0 |
| Accumulated other comprehensive income | −$4.9M | −$9.3M | −$8.9M | −$10.5M | $154,000 | $2.0M | −$57,000 | −$4.9M | −$1.2M | −$531,000 |
| Total shareholders' equity | $390.0M | $363.8M | $348.9M | $335.4M | $256.3M | $233.8M | $226.8M | $210.3M | $142.2M | $127.0M |
| Key figures | ||||||||||
| Total debt | $72.0M | $33.7M | $59.1M | $26.8M | $17.4M | $88.5M | $30.0M | $30.0M | $40.0M | — |
| Net cash (debt) | $113.3M | $311.5M | $326.5M | $262.1M | $309.0M | $226.2M | $213.8M | $279.3M | $163.3M | — |
| Working capital | −$1.03B | −$2.28B | −$1.99B | −$1.76B | −$1.54B | −$1.28B | −$1.24B | −$1.14B | −$1.05B | −$936.8M |
| Tangible book value | $384.4M | $358.0M | $342.2M | $328.1M | $134.0M | $109.7M | $101.7M | $36.4M | $133.2M | $118.7M |
| Book value per share | $27.31 | $25.37 | $24.20 | $22.27 | $16.80 | $15.13 | $14.03 | $14.34 | $10.50 | $10.07 |
| Shares outstanding | 14.3M | 14.3M | 14.4M | 15.1M | 15.3M | 15.4M | 16.2M | 14.7M | 13.5M | 12.6M |
| Current ratio | 0.16 | 0.14 | 0.17 | 0.14 | 0.18 | 0.20 | 0.17 | 0.22 | 0.17 | 0.15 |
| Quick ratio | 0.16 | 0.14 | 0.17 | 0.14 | 0.18 | 0.20 | 0.17 | 0.22 | 0.17 | 0.15 |
| Debt / equity | 0.18 | 0.09 | 0.17 | 0.08 | 0.07 | 0.38 | 0.13 | 0.14 | 0.28 | — |
| Equity / assets | 11.9% | 11.9% | 12.5% | 13.9% | 11.9% | 12.2% | 13.0% | 12.4% | 9.9% | 10.4% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $30.9M | $195.3M | $367.2M | $519.8M | $418.2M | $362.5M | $345.1M | $340.7M | $325.6M | $378.0M | $385.7M | $331.6M |
| Cash & equivalents | $30.9M | $24.8M | $207.1M | $369.5M | $263.6M | $214.3M | $198.8M | $193.1M | $177.6M | $239.8M | $242.3M | $192.3M |
| Short-term investments | $184.3M | $170.5M | $160.0M | $150.3M | $154.6M | $148.2M | $146.3M | $147.6M | $148.0M | $138.2M | $143.3M | $139.2M |
| Receivables | $10.6M | $11.0M | $10.7M | $10.8M | $10.9M | $11.0M | $10.5M | $9.9M | $10.5M | $10.4M | $9.5M | $8.7M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$187.5M | −$188.1M | −$250.2M | −$251.8M | −$209.8M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $187.5M | $188.1M | $250.2M | $251.8M | $209.8M |
| Total current assets | $41.5M | $35.7M | $377.8M | $530.6M | $429.1M | $373.5M | $355.6M | $350.6M | $336.1M | $388.4M | $395.1M | $340.3M |
| Property, plant & equipment (net) | $23.1M | $24.1M | $25.4M | $25.7M | $26.8M | $26.2M | $25.5M | $26.3M | $26.5M | $27.1M | $24.9M | $11.9M |
| Goodwill & intangible assets | $0 | $0 | $5.6M | $0 | $5.8M | $5.6M | $5.8M | $5.9M | $6.2M | $6.5M | $6.7M | $146.6M |
| Long-term investments | $184.3M | $170.5M | $160.0M | $150.3M | $154.6M | $148.2M | $146.3M | $147.6M | $148.0M | $138.2M | $143.3M | $139.2M |
| Other non-current assets | $3.22B | $3.17B | $2.71B | $2.66B | $2.69B | $2.67B | $2.53B | $2.36B | $2.34B | $2.29B | $2.22B | $1.93B |
| Total assets | $3.47B | $3.40B | $3.28B | $3.36B | $3.31B | $3.22B | $3.06B | $2.89B | $2.85B | $2.85B | $2.79B | $2.57B |
| Liabilities | ||||||||||||
| Accounts payable | — | — | — | — | — | — | — | — | — | $31.6M | $29.0M | $28.1M |
| Short-term debt | $10.0M | $52.6M | $19.0M | $19.0M | $46.9M | $32.7M | $15.0M | $862,000 | $4.0M | $52.6M | $42.4M | $465,000 |
| Deferred revenue | — | — | — | — | — | — | — | — | — | −$31.6M | −$29.0M | −$28.1M |
| Total current liabilities | $10.0M | $52.6M | $2.80B | $2.91B | $2.82B | $2.71B | $2.63B | $2.46B | $2.41B | $2.43B | $2.38B | $2.22B |
| Long-term debt | $80.0M | $50.0M | $34.0M | $0 | $45.0M | $30.0M | $0 | $0 | $32.0M | $50.0M | $39.0M | $0 |
| Lease obligations | $17.7M | $18.3M | $19.0M | $19.0M | $19.7M | $19.5M | $18.7M | $19.3M | $18.9M | $19.6M | $20.1M | $5.9M |
| Other long-term liabilities | $2.98B | $2.90B | $62.3M | $65.5M | $61.2M | $68.5M | $69.4M | $67.9M | $57.2M | $19.8M | $21.0M | $5.9M |
| Total liabilities | $3.07B | $3.00B | $2.89B | $2.98B | $2.93B | $2.81B | $2.70B | $2.53B | $2.50B | $2.50B | $2.44B | $2.23B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $136.2M | $139.4M | $139.3M | $140.6M | $142.2M | $178.9M | $143.2M | $142.9M | $142.7M | $142.7M | $142.6M | $143.4M |
| Retained earnings (deficit) | $201.2M | $193.9M | $186.5M | $180.2M | $171.7M | $165.6M | $160.8M | $156.7M | $151.8M | $148.2M | $146.1M | $142.8M |
| Accumulated other comprehensive income | −$6.1M | −$5.8M | −$4.9M | −$5.4M | −$6.5M | −$7.0M | −$9.3M | −$6.4M | −$10.2M | −$10.1M | −$8.9M | −$13.4M |
| Total shareholders' equity | $400.5M | $396.7M | $390.0M | $384.5M | $376.5M | $406.6M | $363.8M | $362.3M | $353.5M | $350.0M | $348.9M | $341.9M |
| Key figures | ||||||||||||
| Total debt | $107.7M | $68.3M | $53.0M | $19.0M | $64.7M | $49.5M | $33.7M | $19.3M | $54.9M | $69.6M | $59.1M | $5.9M |
| Net cash (debt) | −$76.8M | $127.0M | $314.2M | $500.8M | $353.5M | $313.1M | $311.5M | $321.4M | $270.7M | $308.4M | $326.5M | $325.7M |
| Working capital | $31.5M | −$16.9M | −$2.42B | −$2.38B | −$2.39B | −$2.34B | −$2.28B | −$2.11B | −$2.07B | −$2.05B | −$1.99B | −$1.88B |
| Tangible book value | $400.5M | $396.7M | $384.4M | $384.5M | $370.7M | $401.0M | $358.0M | $356.4M | $347.3M | $343.5M | $342.2M | $195.3M |
| Book value per share | $28.16 | $27.86 | $27.40 | $26.79 | $26.21 | $28.23 | $25.34 | $25.24 | $24.70 | $24.42 | $24.37 | $23.75 |
| Shares outstanding | 14.2M | 14.2M | 14.2M | 14.4M | 14.4M | 14.4M | 14.4M | 14.4M | 14.3M | 14.3M | 14.3M | 14.4M |
| Current ratio | 4.15 | 0.68 | 0.14 | 0.18 | 0.15 | 0.14 | 0.14 | 0.14 | 0.14 | 0.16 | 0.17 | 0.15 |
| Quick ratio | 4.15 | 3.92 | 0.14 | 0.18 | 0.15 | 0.14 | 0.14 | 0.14 | 0.14 | 0.16 | 0.17 | 0.15 |
| Debt / equity | 0.27 | 0.17 | 0.14 | 0.05 | 0.17 | 0.12 | 0.09 | 0.05 | 0.16 | 0.20 | 0.17 | 0.02 |
| Equity / assets | 11.5% | 11.7% | 11.9% | 11.4% | 11.4% | 12.6% | 11.9% | 12.5% | 12.4% | 12.3% | 12.5% | 13.3% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 16, 2026); data from EODHD.
PCB financial position
At the end of fiscal 2025 (December 31, 2025), PCB Bancorp had total assets of $3.3 billion (up 7.1% from a year earlier), total liabilities of $2.9 billion and shareholders' equity of $390.0 million. It held $185.3 million in cash and short-term investments against $72.0 million of debt, a net cash position of $113.3 million. Its current ratio was 0.16. In the latest quarter (ended June 30, 2026) total assets were $3.5 billion and equity $400.5 million.
Related: PCB income statement, PCB cash flow statement, PCB key metrics. See the PCB stock overview for the latest quote and news.
PCB balance sheet FAQ
What are PCB Bancorp's total assets?
PCB Bancorp reported total assets of $3.3 billion at the end of fiscal 2025 (December 31, 2025), compared with $3.1 billion a year earlier.
How much debt does PCB Bancorp have?
PCB Bancorp had $72.0 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.18.
How much cash does PCB Bancorp have?
PCB Bancorp held $185.3 million in cash and short-term investments at the end of fiscal 2025; with $72.0 million of debt that is net cash of $113.3 million.
What is PCB Bancorp's book value?
PCB Bancorp's shareholders' equity (book value) was $390.0 million at the end of fiscal 2025, or $27.31 per share.
What is PCB Bancorp's current ratio?
PCB Bancorp had current assets of $196.0 million and current liabilities of $1.2 billion, a current ratio of 0.16 (current liabilities exceed current assets).
How much goodwill does PCB Bancorp have?
PCB Bancorp carried $5.6 million of goodwill and intangible assets, 0.2% of total assets, at the end of fiscal 2025.