Filing Flows › PCB Bancorp (PCB) › Q2 2025
PCB Bancorp (PCB) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 8, 2025
PCB Bancorp (PCB) reported revenue of $29.3M for the second quarter 2025 (Q2 2025), +21% from a year earlier and +9% from the quarter before. Operating margin was 43.3%, net earnings $9.1M (31.0% of revenue).
PCB Bancorp, Q2 2025: revenue $29.3M (+21% year over year), operating margin 43.3%, net earnings $9.1M, operating cash flow $4.9M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $29.3M | +9% | +21% |
| Operating profit | $12.7M | +17% | +44% |
| Net earnings | $9.1M | +17% | +44% |
| Operating cash flow | $4.9M | +109% | -67% |
| Free cash flow | $3.8M | +139% | -70% |
What changed
Revenue was $29.3M in Q2 2025, up 21% year over year and up 9% from the previous quarter.
Operating profit was $12.7M, a 43.3% margin (up 7.0 points year over year). Of the extra revenue versus a year earlier, 77% reached operating profit, above the 36% margin then. Total costs grew 8% against revenue growth of 21%. The fastest-growing cost line was Other operating costs (+590%). Net earnings were $9.1M, up 44% year over year. The effective tax rate was 28.4%.
Operating cash flow was $4.9M (down 67% year over year), 54% of net earnings. Non-cash charges added back $548K of depreciation and $232K of share-based compensation. Working capital and other items used $5.0M. Capital expenditures of $1.1M left free cash flow of $3.8M.
Questions
What was PCB Bancorp's revenue in the second quarter 2025?
PCB Bancorp (PCB) reported revenue of $29.3M for the second quarter 2025 (Q2 2025), +21% from a year earlier and +9% from the quarter before.
Was PCB Bancorp profitable in the second quarter 2025?
Operating profit was $12.7M (43.3% of revenue) and net earnings $9.1M.
Source: PCB Bancorp 10-Q on SEC EDGAR.