PCB BANCORP
PCBNasdaqFinancials · State Commercial Banks · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $2.9M | $2.8M | $2.6M | $2.6M | $2.4M | $2.2M |
| Operating income | — | — | — | — | — | — |
| Net income | $37.5M | $25.8M | $30.7M | $35.0M | $40.1M | $16.2M |
| Total assets | $3.28B | $3.06B | $2.79B | $2.42B | $2.15B | $1.92B |
| Total liabilities | $2.89B | $2.70B | $2.44B | $2.08B | $1.89B | $1.69B |
| Equity | $390.0M | $363.8M | $348.9M | $335.4M | $256.3M | $233.8M |
| EPS (diluted) | $2.58 | $1.74 | $2.12 | $2.31 | $2.62 | $1.04 |
| Shares out. | 14.4M | 14.3M | 14.4M | 14.9M | 15.5M | 15.4M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 1291.9%
- Return on equity
- 9.6%
- Return on assets
- 1.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 88.1%
- Debt / equity
- 7.41×
- Book value / share
- $27.12
- Revenue growth (YoY)
- 4.5%
- Net income growth (YoY)
- 45.1%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- 0.3%clean
- Piotroski F-Score
- 4/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 3 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗May 13, 2025
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 143,352 | 5.8 | +11.6% |
| Apr 30, 2026 | 128,497 | 4.8 | +0.6% |
| Apr 15, 2026 | 127,779 | 5.8 | -13.1% |
| Mar 31, 2026 | 147,055 | 5.5 | -4.3% |
| Mar 13, 2026 | 153,643 | 7.3 | +16.4% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteMay 27, 2026
- Results of operations · Regulation FD disclosure · Other material eventApr 23, 2026
- Results of operations · Regulation FD disclosure · Other material eventJan 29, 2026
- Results of operations · Regulation FD disclosure · Other material eventOct 23, 2025
- Results of operations · Regulation FD disclosure · Other material eventJul 24, 2025
- Prior financials not reliable (restatement)Jul 24, 2025
- Shareholder voteMay 29, 2025
- Delisting / listing-standard notice · Regulation FD disclosureMay 23, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.