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PCB Bancorp vs First Carolina Financial Services: PCB and FCBM compared
PCB Bancorp is the larger company: $32.4M of revenue in its latest quarter (Q3 2026) against $32.3M for First Carolina Financial Services (Q2 2026). PCB Bancorp is growing faster (+7% against -12% a year earlier). PCB Bancorp is more profitable, with an operating margin of 52.6% against 20.1%.
Where the money goes: PCB and FCBM
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.
First Carolina Financial Services (FCBM) · Q2 2026
First Carolina Financial Services, Q2 2026: revenue $32.3M (-12% year over year), operating margin 20.1%, net earnings $5.1M. The chart follows the revenue to costs, profit and cash.
| PCB Bancorp (PCB) | First Carolina Financial Services (FCBM) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q2 2026 |
| Revenue | $32.4M | $32.3M |
| Revenue growth, Y/Y | +7% | -12% |
| Operating margin | 52.6% | 20.1% |
| Net earnings | $12.2M | $5.1M |
| Net margin | 37.7% | 15.8% |
| Operating cash flow | $15.4M | — |
| Free cash flow | $15.2M | — |
Questions
Which is bigger, PCB Bancorp or First Carolina Financial Services?
PCB Bancorp is the larger company: $32.4M of revenue in its latest quarter (Q3 2026) against $32.3M for First Carolina Financial Services (Q2 2026).
Is PCB Bancorp or First Carolina Financial Services growing faster?
PCB Bancorp is growing faster (+7% against -12% a year earlier).
Which is more profitable, PCB Bancorp or First Carolina Financial Services?
PCB Bancorp is more profitable, with an operating margin of 52.6% against 20.1%.
More: PCB Bancorp earnings · how PCB Bancorp makes money · First Carolina Financial Services earnings · how First Carolina Financial Services makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Aug 14, 2026). Fiscal quarters can end on different dates. Not investment advice.