Filing Flows › PCB Bancorp (PCB) › Q3 2025
PCB Bancorp (PCB) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 7, 2025
PCB Bancorp (PCB) reported revenue of $30.4M for the third quarter 2025 (Q3 2025), +20% from a year earlier and +4% from the quarter before. Operating margin was 52.3%, net earnings $11.4M (37.5% of revenue).
PCB Bancorp, Q3 2025: revenue $30.4M (+20% year over year), operating margin 52.3%, net earnings $11.4M, operating cash flow $16.4M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $30.4M | +4% | +20% |
| Operating profit | $15.9M | +26% | +49% |
| Net earnings | $11.4M | +26% | +46% |
| Operating cash flow | $16.4M | +235% | +38% |
| Free cash flow | $16.2M | +323% | +36% |
What changed
Revenue was $30.4M in Q3 2025, up 20% year over year and up 4% from the previous quarter.
Operating profit was $15.9M, a 52.3% margin (up 10.2 points year over year). Of the extra revenue versus a year earlier, 103% reached operating profit, above the 42% margin then. Total costs fell 1% while revenue rose 20%. Net earnings were $11.4M, up 46% year over year. The effective tax rate was 28.2%.
Operating cash flow was $16.4M (up 38% year over year), 144% of net earnings. Non-cash charges added back $565K of depreciation and $227K of share-based compensation. Working capital and other items added $4.2M. Capital expenditures of $247K left free cash flow of $16.2M.
Questions
What was PCB Bancorp's revenue in the third quarter 2025?
PCB Bancorp (PCB) reported revenue of $30.4M for the third quarter 2025 (Q3 2025), +20% from a year earlier and +4% from the quarter before.
Was PCB Bancorp profitable in the third quarter 2025?
Operating profit was $15.9M (52.3% of revenue) and net earnings $11.4M.
Source: PCB Bancorp 10-Q on SEC EDGAR.