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PCB Bancorp (PCB) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · PCB Bancorp (PCB) Q3 2026 earnings results →

Q3 2026 Revenue up 7% year over year to $32.4M · 38¢ of every $1 of revenue kept as net profit · operating margin 52.6%

PCB Bancorp made $32.4M in Q3 2026 (+7% Y/Y). Operating margin 52.6%, net earnings $12.2M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.

Revenue$32.4M
Year over year+7%
Operating margin52.6%
Net earnings$12.2M
Operating cash flow$15.4M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $32.4M in Q3 2026, up 7% year over year and up 6% from the previous quarter.

Operating profit was $17.0M, a 52.6% margin (up 0.3 points year over year). Of the extra revenue versus Q3 2025, 57% reached operating profit, above the 52% margin then. Total costs grew 6% against revenue growth of 7%. Net earnings were $12.2M, up 7% year over year. The effective tax rate was 28.4%.

Operating cash flow was $15.4M (down 6% year over year), 126% of net earnings. Non-cash charges added back $499K of depreciation and $231K of share-based compensation. Working capital and other items added $2.4M. Capital expenditures of $225K left free cash flow of $15.2M.

Quarterly history

PCB Bancorp revenue by quarterPCB Bancorp revenue by quarter$26.9MQ1 2025$29.3MQ2 2025$30.4MQ3 2025$29.2MQ4 2025$30.2MQ1 2026$30.7MQ2 2026$32.4MQ3 2026
PCB Bancorp net earnings by quarterPCB Bancorp net earnings by quarter$7.7MQ1 2025$9.1MQ2 2025$11.4MQ3 2025$9.2MQ4 2025$10.7MQ1 2026$10.5MQ2 2026$12.2MQ3 2026
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 5, 2026$32.4M+7%52.6%$12.2M$15.4M
Q2 202610-QAug 6, 2026$30.7M+5%47.8%$10.5M$1.4M
Q1 202610-QMay 7, 2026$30.2M+12%49.4%$10.7M$20.7M
Q4 202510-KMar 16, 2026$29.2M+11%45.0%$9.2M$2.9M
Q3 202510-QNov 7, 2025$30.4M+20%52.3%$11.4M$16.4M
Q2 202510-QAug 8, 2025$29.3M+21%43.3%$9.1M$4.9M
Q1 202510-QJun 9, 2025$26.9M+12%40.2%$7.7M$2.3M

Charts

PCB Bancorp: revenue growth, year over year and quarter over quarterPCB Bancorp: revenue growth, year over year and quarter over quarterY/YQ/Q+12%Q1 2025+21%+9%Q2 2025+20%+4%Q3 2025+11%-4%Q4 2025+12%+3%Q1 2026+5%+2%Q2 2026+7%+6%Q3 2026
Latest (Q3 2026): Y/Y +7%, Q/Q +6%.
PCB Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026PCB Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026Other financing$163MOther investing−$140MCash drawn (+) / kept (−)−$43.7MOperating cash flow$40.3MDividends−$12.2MBuybacks−$8.0MShares issued$1.3MCapital spending−$487KTaxes on employees’ shares−$92K
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
PCB Bancorp: profit against cash, quarter by quarterPCB Bancorp: profit against cash, quarter by quarterNet incomeOperating cash flow$7.0M$4.2MQ4 2024$7.7M$2.3MQ1 2025$9.1M$4.9MQ2 2025$11.4M$16.4MQ3 2025$9.2M$2.9MQ4 2025$10.7M$20.7MQ1 2026$10.5M$1.4MQ2 2026$12.2M$15.4MQ3 2026
Latest (Q3 2026): Net income $12.2M, Operating cash flow $15.4M.
PCB Bancorp: diluted shares by fiscal yearPCB Bancorp: diluted shares by fiscal year15MFY202015MFY202115MFY202214MFY202314MFY202414MFY2025
-7.6% since FY2020: buybacks shrank the count.
PCB Bancorp in its industry: growth against margin (133 companies, SIC 6022)PCB Bancorp in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFPCB (+7%, 53%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About PCB Bancorp

PCB Bancorp is a California corporation incorporated in 2007 as a registered bank holding company subject to the Bank Holding Company Act of 1956, as amended (“BHCA”), to serve as the holding company for PCB Bank (the “Bank”), which was founded in 2003. The Company has no material operations other than those of the Bank. The Bank is a California state-chartered commercial bank. The Bank’s deposit accounts are insured by the Federal Deposit Insurance Corporation (“FDIC”) up to the maximum amount currently allowable under federal law.

In its own words, from its 10-K, filed Mar 16, 2026.

PCB Bancorp against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +7% against the peers' median +10%. Operating margin: 52.6% against the peers' median 34.7%.

CompanyQuarterRevenueY/YOp. margin
PCB PCB BancorpQ3 2026$32.4M+7%52.6%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: PCB Bancorp 10-Q on SEC EDGAR · CIK 1423869 · State Commercial Banks

Guidance and outlook

PCB Bancorp: what its forward-looking statements are about (10-Q filed 2026-11-05)PCB Bancorp: what its forward-looking statements are about (10-Q filed 2026-11-05)The economy6Other5Financing1Costs1Margins1
14 statements; tone -0.43 (−1 all cautious, +1 all confident); 2 hedged.
PCB Bancorp: outlook statements against the filing beforePCB Bancorp: outlook statements against the filing beforeConfident1Cautious7

13F: who owns PCB and who is buying

Largest holders of PCB (13F)Largest holders of PCB (13F)BlackRock$24.5MDimensional Fund Advisors LP$18.1MVanguard Group$14.8MVanguard Capital Management LLC$14.1MAcadian Asset Management LLC$8.1MGeode Capital Management, LLC$8.0MState Street$6.0MMaltese Capital Management LLC$5.9MBridgeway Capital Management, LLC$4.5MGoldman Sachs Group$3.7M
Funds' net buying of PCB by quarter (13F)Funds' net buying of PCB by quarter (13F)−$1.1M2024-09$527K2024-12−$166K2025-03$4.1M2025-06−$433K2025-09$2.8M2025-12$1.2M2026-03$5.1M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

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History

Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results

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