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PCB Bancorp vs Citizens Financial Services: PCB and CZFS compared
PCB Bancorp is the larger company: $32.4M of revenue in its latest quarter (Q3 2026) against $31.6M for Citizens Financial Services (Q3 2026). Citizens Financial Services is growing faster (+9% against +7% a year earlier). PCB Bancorp is more profitable, with an operating margin of 52.6% against 46.1%.
Where the money goes: PCB and CZFS
PCB Bancorp (PCB) · Q3 2026
PCB Bancorp, Q3 2026: revenue $32.4M (+7% year over year), operating margin 52.6%, net earnings $12.2M, operating cash flow $15.4M. The chart follows the revenue to costs, profit and cash.
Citizens Financial Services (CZFS) · Q3 2026
Citizens Financial Services, Q3 2026: revenue $31.6M (+9% year over year), operating margin 46.1%, net earnings $11.9M, operating cash flow $5.3M. The chart follows the revenue to costs, profit and cash.
| PCB Bancorp (PCB) | Citizens Financial Services (CZFS) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $32.4M | $31.6M |
| Revenue growth, Y/Y | +7% | +9% |
| Operating margin | 52.6% | 46.1% |
| Net earnings | $12.2M | $11.9M |
| Net margin | 37.7% | 37.8% |
| Operating cash flow | $15.4M | $5.3M |
| Free cash flow | $15.2M | $5.0M |
Where the revenue comes from
Citizens Financial Services
- Net interest income: $27.3M (86%)
- Noninterest income: $4.3M (14%)
Questions
Which is bigger, PCB Bancorp or Citizens Financial Services?
PCB Bancorp is the larger company: $32.4M of revenue in its latest quarter (Q3 2026) against $31.6M for Citizens Financial Services (Q3 2026).
Is PCB Bancorp or Citizens Financial Services growing faster?
Citizens Financial Services is growing faster (+9% against +7% a year earlier).
Which is more profitable, PCB Bancorp or Citizens Financial Services?
PCB Bancorp is more profitable, with an operating margin of 52.6% against 46.1%.
More: PCB Bancorp earnings · how PCB Bancorp makes money · Citizens Financial Services earnings · how Citizens Financial Services makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.