PCB Bancorp (PCB) Income Statement
PCB 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsPCB revenue and net income
Where PCB's revenue goes
2025Each bar shows an amount and its share of revenue. PCB kept 17.9% of revenue as net income.
PCB profit margins
PCB growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +9.1% | +21.7% | +18.0% | +14.1% |
| Gross profit | +16.0% | +3.6% | +11.5% | +8.5% |
| Operating income | +44.7% | +2.0% | +17.9% | +9.5% |
| Net income | +45.1% | +2.3% | +18.3% | +11.9% |
| EPS (diluted) | +48.3% | +3.8% | +19.7% | +9.9% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
PCB quarterly EPS vs estimates
PCB Bancorp beat the analyst EPS estimate in 8 of the last 8 quarters. Next report: October 22, 2026 (estimate $0.74).
PCB income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $209.4M | $191.9M | $161.9M | $116.2M | $99.9M | $91.5M | $104.8M | $94.2M | $79.2M | $65.9M |
| Cost of revenue | $97.7M | $95.6M | $62.5M | $15.7M | −$261,000 | $26.8M | $28.1M | $19.2M | $11.9M | $9.3M |
| Gross profit | $111.7M | $96.3M | $99.3M | $100.5M | $100.2M | $64.7M | $76.7M | $75.0M | $67.2M | $56.6M |
| Sales, general & admin | $39.6M | $38.5M | $37.7M | $35.9M | $30.2M | $28.1M | $28.4M | $27.4M | $25.2M | $22.1M |
| Total operating expenses | $59.2M | $60.0M | $56.1M | $51.1M | $43.2M | $41.7M | $42.3M | $40.2M | $35.9M | $32.2M |
| Operating income | $52.5M | $36.3M | $43.3M | $49.4M | $57.0M | $23.0M | $34.4M | $34.7M | $31.3M | $24.4M |
| Interest income | $197.5M | $180.8M | $141.8M | $101.8M | $81.5M | $79.8M | $92.9M | $83.7M | $65.3M | $52.6M |
| Interest expense | $93.7M | $92.2M | $62.7M | $12.1M | $4.3M | $13.6M | $23.9M | $18.0M | $10.1M | $7.0M |
| Income before taxes | $52.5M | $36.3M | $43.3M | $49.4M | $57.0M | $23.0M | $34.4M | $34.7M | $31.3M | $24.4M |
| Income taxes | $15.0M | $10.5M | $12.6M | $14.4M | $16.9M | $6.8M | $10.2M | $10.4M | $14.9M | $10.4M |
| Net income | $37.5M | $25.8M | $30.7M | $35.0M | $40.1M | $16.2M | $24.1M | $24.3M | $16.4M | $14.0M |
| EBITDA | $56.8M | $40.3M | $47.3M | $53.1M | $60.3M | $26.4M | $38.3M | $38.8M | $34.7M | $27.5M |
| EPS (diluted) | $2.58 | $1.74 | $2.12 | $2.31 | $2.62 | $1.05 | $1.45 | $2.45 | $1.21 | $1.11 |
| Gross margin | 53.3% | 50.2% | 61.4% | 86.5% | 100.3% | 70.7% | 73.1% | 79.6% | 84.9% | 85.9% |
| Operating margin | 25.1% | 18.9% | 26.7% | 42.5% | 57.0% | 25.1% | 32.8% | 36.9% | 39.6% | 37.0% |
| Net margin | 17.9% | 13.4% | 19.0% | 30.1% | 40.1% | 17.7% | 23.0% | 25.8% | 20.7% | 21.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $53.2M | $52.2M | $52.4M | $54.9M | $52.6M | $49.5M | $49.4M | $48.6M | $24.2M | $23.9M | $24.4M | $41.4M |
| Cost of revenue | $23.5M | $22.5M | $24.3M | $24.1M | $25.1M | $24.2M | $25.2M | $23.3M | $23.5M | $23.6M | $20.7M | $17.2M |
| Gross profit | $29.8M | $29.7M | $28.1M | $30.8M | $27.5M | $25.3M | $24.2M | $25.3M | $24.2M | $23.9M | $24.4M | $24.2M |
| Sales, general & admin | $1.1M | $990,000 | $12.1M | $11.8M | $9.7M | $9.5M | $9.2M | $9.7M | $9.4M | $9.4M | $8.6M | $9.7M |
| Total operating expenses | $15.1M | $14.8M | $15.0M | $14.9M | $14.8M | $14.5M | $13.9M | $14.6M | $3.6M | $4.8M | $3.9M | $14.2M |
| Operating income | $14.7M | $14.9M | $13.1M | $15.9M | $12.7M | $10.8M | $10.3M | $10.7M | $8.8M | $6.5M | $39.5M | $10.0M |
| Interest income | $50.0M | $48.8M | $49.9M | $51.5M | $49.3M | $46.9M | $46.3M | $46.0M | $44.9M | $43.6M | $41.0M | $38.9M |
| Interest expense | $22.5M | $22.0M | $23.2M | $24.5M | $23.3M | $22.6M | $23.2M | $23.3M | $23.2M | $22.6M | $299,000 | $16.4M |
| Income before taxes | $14.7M | $14.9M | $13.1M | $15.9M | $12.7M | $10.8M | $10.3M | $10.7M | $8.8M | $6.5M | $8.3M | $10.0M |
| Income taxes | $4.2M | $4.2M | $3.9M | $4.5M | $3.6M | $3.1M | $3.3M | $2.9M | $2.5M | $1.8M | $2.4M | $3.0M |
| Net income | $10.5M | $10.7M | $9.2M | $11.4M | $9.1M | $7.7M | $7.0M | $7.8M | $6.3M | $4.7M | $5.9M | $7.0M |
| EBITDA | $15.6M | $15.8M | $14.2M | $17.0M | $13.7M | $11.9M | $11.3M | $11.7M | $9.9M | $7.4M | −$17,000 | $11.0M |
| EPS (diluted) | $0.73 | $0.74 | $0.64 | $0.79 | $0.62 | $0.53 | $0.46 | $0.52 | $0.43 | $0.33 | $0.41 | $0.49 |
| Gross margin | 55.9% | 56.9% | 53.7% | 56.1% | 52.3% | 51.1% | 49.0% | 52.0% | 100.0% | 100.0% | 100.0% | 58.5% |
| Operating margin | 27.5% | 28.5% | 25.0% | 29.0% | 24.1% | 21.8% | 20.9% | 22.0% | 36.3% | 27.2% | 161.8% | 24.2% |
| Net margin | 19.7% | 20.4% | 17.6% | 20.8% | 17.2% | 15.6% | 14.2% | 16.1% | 25.9% | 19.6% | 24.2% | 17.0% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in PCB's financial statements (latest annual report filed March 16, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
PCB financial results
In fiscal year 2025 (ended December 31, 2025), PCB Bancorp reported revenue of $209.4 million, up 9.1% from the year before. It had net income of $37.5 million (up 45.1%), a net profit margin of 17.9%. Diluted earnings per share came to $2.58. Over five years revenue grew at an average rate of 18.0% a year.
See the PCB stock overview for the latest quote and news, or the PCB chart for price history and technical indicators.
PCB income statement FAQ
What is PCB Bancorp's annual revenue?
PCB Bancorp reported total revenue of $209.4 million for fiscal year 2025, which ended on December 31, 2025. That was up 9.1% from $191.9 million the previous year.
Is PCB Bancorp profitable?
Yes. PCB Bancorp reported net income of $37.5 million in fiscal 2025, a net profit margin of 17.9%; its operating margin was 25.1%.
What is PCB Bancorp's gross margin?
PCB Bancorp's gross margin was 53.3% in fiscal 2025: for every $100 of revenue, PCB Bancorp kept $53 after the direct cost of its products and services.
How fast is PCB Bancorp growing?
Revenue grew 18.0% a year on average over the last five fiscal years, from $91.5 million to $209.4 million.
What are PCB Bancorp's earnings per share?
PCB Bancorp earned $2.58 per diluted share in fiscal 2025, compared with $1.74 a year earlier.
When will PCB Bancorp report its next earnings?
PCB Bancorp is expected to report results for the quarter ending September 30, 2026 on October 22, 2026 after the market closes.
When does PCB Bancorp's fiscal year end?
PCB Bancorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 16, 2026.