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PCB Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$15.2M in Q3 2026 · $39.8M over twelve months

Operating cash flow$15.4M
Capital spending−$225K
Free cash flow+$15.2M
Cash / net income1.3×

Analysis

In Q3 2026, PCB Bancorp generated $15.4M of operating cash flow and spent $225K on capital projects, leaving free cash flow of $15.2M. That is $1.0M less than in Q3 2025 ($16.2M).

Over the twelve months to Sep 30, 2026, operating cash flow was $40.3M; the largest uses were other investing ($140M), dividends ($12.2M), buybacks ($8.0M); besides operations, cash came from other financing ($163M), shares issued ($1.3M); the cash balance rose by $43.7M.

Operating cash flow was $15.4M against net income of $12.2M — 1.3× profit, cash ran ahead of reported earnings. The largest differences: deferred taxes +$2.2M, depreciation & amortization +$499K, stock-based pay +$231K.

Free cash flow

PCB Bancorp: free cash flow by quarterPCB Bancorp: free cash flow by quarter$4.2MQ4 2024$1.6MQ1 2025$3.8MQ2 2025$16.2MQ3 2025$2.8MQ4 2025$20.6MQ1 2026$1.2MQ2 2026$15.2MQ3 2026
Operating cash flow less capital spending.
PCB Bancorp: operating cash flow against capital spendingPCB Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$4.2M$46KQ4 2024$2.3M$749KQ1 2025$4.9M$1.1MQ2 2025$16.4M$247KQ3 2025$2.9M$126KQ4 2025$20.7M$28KQ1 2026$1.4M$108KQ2 2026$15.4M$225KQ3 2026
Latest (Q3 2026): Operating cash flow $15.4M, Capital spending $225K.

Capital allocation, year by year

PCB Bancorp: where the cash came from (up) and went (down), by fiscal yearPCB Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingBuybacksDividendsFY2021: Operating cash flow −$1.6MFY2021: Shares issued $1.3MFY2021: Capital spending −$430KFY2021: Buybacks −$10.9MFY2021: Dividends −$6.7M$1.3MFY2021FY2022: Operating cash flow $57.3MFY2022: Net borrowing $20.0MFY2022: Shares issued $70.0MFY2022: Capital spending −$5.5MFY2022: Buybacks −$6.7MFY2022: Dividends −$8.9M$147MFY2022FY2023: Operating cash flow $63.3MFY2023: Net borrowing −$20.0MFY2023: Shares issued $1.4MFY2023: Capital spending −$1.3MFY2023: Buybacks −$8.8MFY2023: Dividends −$9.9M$64.7MFY2023FY2024: Operating cash flow $39.0MFY2024: Net borrowing $15.0MFY2024: Shares issued $353KFY2024: Capital spending −$4.1MFY2024: Buybacks −$222KFY2024: Dividends −$10.3M$54.3MFY2024FY2025: Operating cash flow $26.6MFY2025: Net borrowing $19.0MFY2025: Shares issued $2.3MFY2025: Capital spending −$2.2MFY2025: Buybacks −$7.1MFY2025: Dividends −$11.5M$47.9MFY2025
Over these 5 years operating cash flow totalled $185M; the largest uses were dividends ($47.2M) and buybacks ($33.8M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$413M
Debtnone
Net cash$413M

PCB Bancorp funds itself: free cash flow was $39.8M over the last twelve months, with $413M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

PCB Bancorp: sources (+) and uses (−) of cash, Q3 2026PCB Bancorp: sources (+) and uses (−) of cash, Q3 2026Other financing$154MCash drawn (+) / kept (−)−$148MNet borrowing (+) / repaid (−)−$90.0MOther investing$73.8MOperating cash flow$15.4MDividends−$3.1MBuybacks−$2.0MShares issued$341KCapital spending−$225K
PCB Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026PCB Bancorp: sources (+) and uses (−) of cash, 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 profit to cash

PCB Bancorp: net income to operating cash flow, Q3 2026PCB Bancorp: net income to operating cash flow, Q3 2026Net income$12.2MDepreciation & amortization$499KStock-based pay$231KDeferred taxes$2.2MOperating cash flow$15.4M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$15.4M−$225K−$2.0M−$3.1M−$90.0M$341K−$148M$15.2M
Q2 2026$1.4M−$108K−$3.6M−$3.1M$90.0M$201K$2.2M$1.2M
Q1 2026$20.7M−$28K−$193K−$3.1M−$34.0M$112K−$60.3M$20.6M
Q4 2025$2.9M−$126K−$2.1M−$2.9M$34.0M$610K$162M$2.8M
Q3 2025$16.4M−$247K−$2.2M−$2.9M−$45.0M$450K−$106M$16.2M
Q2 2025$4.9M−$1.1M−$1.8M−$2.9M$15.0M$534K−$49.2M$3.8M
Q1 2025$2.3M−$749K−$953K−$2.9M$15.0M$684K−$15.6M$1.6M
Q4 2024$4.2M−$46K—−$2.6M$15.0M$143K−$5.7M$4.2M

PCB Bancorp: income statement and cash flow

PCB Bancorp, Q3 2026: revenue $32.4M (+7% year over year), operating margin 52.6%. The chart follows the revenue to costs, profit and cash.

PCB Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.