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PCB Bancorp PCB Business Segments — Net interest margin

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Other financials

Income statement

See full
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$386.93M+28.3%
Enterprise value$149.43M+159%
P/E9.3×-0.3×
P/S3.2×+0.4×

Profitability

See full
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 pcb:NetInterestMargin.

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
($ in thousands)As of or For the Three Months Ended June 30, 2026As of or For the Three Months Ended June 30, 2025As of or For the Six Months Ended June 30, 2026As of or For the Six Months Ended June 30, 2025
Earnings per share, diluted$0.73$0.62$1.47$1.15
Return on average assets1.24%1.13%1.27%1.07%
Return on average shareholders’ equity10.55%9.76%10.75%9.16%
Net interest margin3.33%3.33%3.34%3.30%
Loans held-for-investment growth percentage2.0%2.5%4.0%6.3%
Total deposits growth percentage1.2%4.0%4.6%7.9%
Tier 1 leverage ratio (consolidated)11.89%11.81%11.89%11.81%
ACL on loans to loans held-for-investment1.18%1.20%1.18%1.20%

Item 1 - Consolidated Financial Statements

FAQ

What is PCB Bancorp's business segments — net interest margin?
PCB Bancorp (PCB) reported business segments — net interest margin of 3.3% in Q2 2026.
How has PCB Bancorp's business segments — net interest margin changed year-over-year?
PCB Bancorp's business segments — net interest margin decreased by 0.0% year-over-year, from 3.3% to 3.3%.
What does business segments — net interest margin mean?
Represents the difference between interest income generated by assets and the amount of interest paid to lenders, relative to the amount of interest-earning assets. It is a fundamental measure of a bank's profitability and the effectiveness of its interest rate risk management.

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