PCB Bancorp

PCBNASDAQFinancial Services● Active

$25.37

+$0.17(+0.67%)

Market Cap$361134339

P/E Ratio—

52W High$25.7

52W Low$19.44

Avg Volume25K

Open$25.34

Beta0.52

Free Cash Flow Financials Revenue

PCB Bancorp (PCB) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

PCB · free cash flow · updated Jun 9, 2026

Core FCF metrics

PCB · FCF · TTM · margin & CAGR

Free cash flow was $24.4M for FY2025 (fiscal year ending 2025-12-31), down 30.1% year-over-year The FCF margin was 11.7%. Five-year CAGR stands at +9.8%.

FY2025 Free Cash Flow$24.4M▼ -30.1% YoY

Trailing 12M (TTM)$41.0Mtrailing 4 quarters sum

FCF Margin11.7%$24.4M ÷ revenue

3-Year CAGR-22.2%FY2022 → FY2025

5-Year CAGR+9.8%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

PCB · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$26.6M(2M)$24.4M▼ 30.1%11.7%

FY2024$39.0M(4M)$34.9M▼ 43.7%18.2%

FY2023$63.3M(1M)$62.0M▲ +19.7%38.3%

FY2022$57.3M(5M)$51.8M▲ +2631.2%44.6%

FY2021−$1.6M(0M)−$2.0M▼ 113.4%-2.0%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

PCB · P/FCF · FCF yield · FCF per share

PCB Bancorp (PCB) trades at a FCF yield of 11.35% and a price-to-free-cash-flow ratio of 8.8x. FCF per share stands at $2.89, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

11.35%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$2.89

TTM FCF ÷ Shares Outstanding

Price / FCF

x8.8

Share Price ÷ FCF per Share

EV / FCF (TTM)

x9.9

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

PCB · cash flow statement · operating / investing / financing

For FY2025, PCB Bancorp generated $26.6M in operating cash flow and spent 2M in capital expenditures, yielding $24.4M in free cash flow.

Operating Activities

+$26.6M

Cash from core business operations

2025-12-31

Investing Activities

−$200.1M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$181.9M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($26.6M) − |CapEx| (2M) = FCF ($24.4M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

PCB vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

PCB BancorpYOU

PCB

$24.4M-30.1%11.7%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

PCB Bancorp (PCB) reported free cash flow of $24.4M for FY2025 (fiscal year ending 2025-12-31), down 30.1% year-over-year. The FCF margin was 11.7%.

Based on available data, PCB Bancorp has maintained positive free cash flow for at least 14 fiscal year(s). FCF peaked at $62.0M in FY2023. The 5-year CAGR stands at +9.8%.

PCB Bancorp's FCF yield is 11.35% and price-to-FCF ratio is 8.8x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

PCB free cash flow · 8 questions

PCB Bancorp free cash flow was $24.4M for FY2025, down 30.1% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $41.0M.

PCB free cash flowPCB FCFPCB FCF 2025PCB free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · PCB Bancorp · PCB Bancorp SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026