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PCB Bancorp PCB Q3 2025 earnings

Reported October 23, 2025 · Before market open

Revenue$30.4MBeat by $992.0K
EPS$0.78Beat by $0.17
Revenue estimate$29.4M
EPS estimate$0.61

Next report

Oct 22, 2026 (in a month)
Revenue estimate$31.9M
EPS estimate$0.74

Financials

Q3 2025

Income statement

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Revenue$30.4M+19.9%
Net income$11.4M+46.0%
EPS (diluted)$0.78+50.0%

Balance sheet

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Cash & equivalents$369.5M+91.4%
Total debt$19.0M-1.8%
Total equity$384.5M+6.1%
Total assets$3.4B+16.4%

Cash flow

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Operating cash flow$16.4M+38.1%
CapEx$247.0K+752%
Free cash flow$16.2M+36.4%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$301.34M+12.6%
Enterprise value-$49.2M-152%
P/E8.5×-2.3×
P/S2.7×-0.1×

Profitability

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Net margin31.3%+6.1pp
FCF margin22.9%-18.4pp

Returns & leverage

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Return on equity9.4%+2.4pp
Debt / equity0×0.0×

Segments

By product

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Account analysis fees$217.0K-13.2%
Non-sufficient funds charges$102.0K+6.3%
Monthly service fees$31.0K+14.8%
Other deposit related fees$27.0K+3.8%

By segment

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Reportable Segment$30.4M+19.9%

FAQ

When did PCB Bancorp report Q3 2025 earnings?
PCB Bancorp (PCB) reported Q3 2025 earnings on October 23, 2025 before market open.
What were PCB Bancorp's Q3 2025 revenue and EPS?
PCB Bancorp reported revenue of $30.4M and eps of $0.78 for Q3 2025.
Did PCB Bancorp beat estimates in Q3 2025?
Revenue beat the consensus estimate of $29.4M by $992.0K. EPS beat the consensus estimate of $0.61 by $0.17.
How did PCB Bancorp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 19.9% from $25.3M a year earlier and eps grew 50.0% from $0.52.
Where can I find PCB Bancorp's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001423869-25-000047) and the 10-Q periodic report (0001423869-25-000050) directly on SEC EDGAR. The filing index links above go to sec.gov.