Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.22M | $2.20M | $2.44M | $2.55M | $2.23M | $2.37M | $2.64M | $2.65M | $2.77M | $2.90M |
| Revenue growth | — | -1.0% | 10.9% | 4.6% | -12.5% | 6.2% | 11.5% | 0.3% | 4.7% | 4.5% |
| Net income | $14.0M | $16.4M | $24.3M | $24.1M | $16.2M | $40.1M | $35.0M | $30.7M | $25.8M | $37.5M |
| Net margin | 630.4% | 745.9% | 996.4% | 945.0% | 725.0% | 1692.8% | 1324.3% | 1158.7% | 930.4% | 1291.9% |
| EPS (diluted) | $1.11 | $1.21 | $1.65 | $1.49 | $1.04 | $2.62 | $2.31 | $2.12 | $1.74 | $2.58 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $40.2M | $21.2M | $30.7M | $30.1M | $17.1M | -$1.62M | $57.3M | $63.3M | $39.0M | $26.6M |
| Capital expenditures | $1.98M | $1.28M | $1.14M | $710K | $1.78M | $430K | $5.45M | $1.31M | $4.08M | $2.19M |
| Free cash flow | $38.2M | $19.9M | $29.5M | $29.4M | $15.3M | -$2.05M | $51.8M | $62.0M | $34.9M | $24.4M |
| Share buybacks | — | $0.00 | $0.00 | $6.48M | $6.49M | $10.9M | $6.73M | $8.83M | $222K | $7.10M |
| Dividends paid | $1.38M | $1.61M | $1.76M | $3.96M | $6.15M | $6.66M | $8.95M | $9.91M | $10.3M | $11.5M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $70.0M | $73.7M | $162M | $146M | $194M | $203M | $147M | $242M | $199M | $207M |
| Total assets | — | $1.44B | $1.70B | $1.75B | $1.92B | $2.15B | $2.42B | $2.79B | $3.06B | $3.28B |
| Total liabilities | — | $1.30B | $1.49B | $1.52B | $1.69B | $1.89B | $2.08B | $2.44B | $2.70B | $2.89B |
| Shareholders' equity | $127M | $142M | $210M | $227M | $234M | $256M | $335M | $349M | $364M | $390M |
| Retained earnings | — | $15.0M | $37.6M | $57.7M | $67.7M | $101M | $127M | $146M | $161M | $186M |
| Shares (wtd avg diluted) | 12.6M | 13.5M | 14.7M | 16.2M | 15.4M | 15.3M | 15.1M | 14.4M | 14.3M | 14.3M |
Every figure is extracted from PCB BANCORP’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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