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PCB Bancorp PCB Accretion (Amortization) of Discounts and Premiums, Investments

Accretion (Amortization) of Discounts and Premiums, Investments at other companies

Equity Bancshares logo
Equity BancsharesEQBK
$3.36M+303%
ECB Bancorp, Inc. logo
ECB Bancorp, Inc.ECBK
$48K+33.3%
RBK
Rhinebeck Bancorp, Inc.RBKB
$59K-39.2%
SR Bancorp, Inc. logo
SR Bancorp, Inc.SRBK
-$42K+93.7%
Sound Financial Bancorp logo
Sound Financial BancorpSFBC
-$20K0.0%
NB Bancorp, Inc. logo
NB Bancorp, Inc.NBBK
$77K-67.6%

Other financials

Income statement

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Revenue$30.7M+4.8%
Net income$10.5M+15.8%
EPS (diluted)$0.73+17.7%

Balance sheet

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Cash & equivalents$265.2M+0.6%
Total debt$27.7M+41.0%
Total equity$400.5M+6.4%
Total assets$3.5B+5.0%

Cash flow

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Operating cash flow$1.4M-72.4%
CapEx$108.0K-89.9%
Free cash flow$1.2M-67.5%

Valuation

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Market cap$391.42M+28.3%
Enterprise value$153.93M+159%
P/E9.4×-0.3×
P/S3.3×+0.4×

Profitability

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Net margin34.7%+5.3pp
FCF margin33.9%+14.0pp

Returns & leverage

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Return on equity10.8%+2.1pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by PCB Bancorp in its filing.

Tagged under the XBRL concept us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments.

The source filing: PCB Bancorp’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 4:06 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001423869-26-000027
Line itemSix Months Ended June 30, 2026Six Months Ended June 30, 2025
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation of premises and equipment1,0311,112
Net amortization of premiums on securities7265
Net accretion of discounts on loans(1,101)(1,482)
Net accretion of deferred loan fees(710)(680)
Amortization of servicing assets8581,039
Provision for credit losses1,3933,385
Bank-owned life insurance income(555)(500)

Item 1 - Consolidated Financial Statements

FAQ

What is PCB Bancorp's accretion (amortization) of discounts and premiums, investments?
PCB Bancorp (PCB) reported accretion (amortization) of discounts and premiums, investments of $584K in Q2 2026.
How has PCB Bancorp's accretion (amortization) of discounts and premiums, investments changed year-over-year?
PCB Bancorp's accretion (amortization) of discounts and premiums, investments decreased by 4.3% year-over-year, from $610K to $584K.
What is the long-term trend for PCB Bancorp's accretion (amortization) of discounts and premiums, investments?
Over 4 years (2021 to 2025), PCB Bancorp's accretion (amortization) of discounts and premiums, investments has grown at a -5.5% compound annual growth rate (CAGR), from $3.5M to $2.79M.
What does accretion (amortization) of discounts and premiums, investments mean?
This reflects the periodic adjustment to the carrying value of investment securities due to the amortization of premiums or accretion of discounts. It bridges the gap between the coupon interest received and the effective interest income recognized in the financial statements. Investors use this to assess the quality and yield characteristics of the bank's fixed-income holdings.

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