Filing Flows › PCB Bancorp (PCB) › Q4 2025
PCB Bancorp (PCB) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 16, 2026
PCB Bancorp (PCB) reported revenue of $29.2M for the fourth quarter 2025 (Q4 2025), +11% from a year earlier and -4% from the quarter before. Operating margin was 45.0%, net earnings $9.2M (31.7% of revenue).
PCB Bancorp, Q4 2025: revenue $29.2M (+11% year over year), operating margin 45.0%, net earnings $9.2M, operating cash flow $2.9M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $29.2M | -4% | +11% |
| Operating profit | $13.1M | -17% | +27% |
| Net earnings | $9.2M | -19% | +31% |
| Operating cash flow | $2.9M | -82% | -31% |
| Free cash flow | $2.8M | -83% | -33% |
What changed
Revenue was $29.2M in Q4 2025, up 11% year over year and down 4% from the previous quarter.
Operating profit was $13.1M, a 45.0% margin (up 5.6 points year over year). Of the extra revenue versus a year earlier, 95% reached operating profit, above the 39% margin then. Total costs grew 1% against revenue growth of 11%. Net earnings were $9.2M, up 31% year over year. The effective tax rate was 29.6%.
Operating cash flow was $2.9M (down 31% year over year), 32% of net earnings. Non-cash charges added back $536K of depreciation and $284K of share-based compensation. Working capital and other items used $7.1M. Capital expenditures of $126K left free cash flow of $2.8M.
Questions
What was PCB Bancorp's revenue in the fourth quarter 2025?
PCB Bancorp (PCB) reported revenue of $29.2M for the fourth quarter 2025 (Q4 2025), +11% from a year earlier and -4% from the quarter before.
Was PCB Bancorp profitable in the fourth quarter 2025?
Operating profit was $13.1M (45.0% of revenue) and net earnings $9.2M.
Source: PCB Bancorp 10-K on SEC EDGAR.