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PCB Bancorp key statistics and ratios

In fiscal 2025, PCB Bancorp had return on equity of 9.9% and a net margin of 32.4%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin23.7%23.8%31.9%29.8%20.8%42.0%33.6%31.0%25.9%32.4%34.7%
Return on equity11.0%12.2%13.8%11.0%7.0%16.4%11.8%9.0%7.2%9.9%10.6%
Return on assets—1.1%1.5%1.4%0.9%2.0%1.5%1.2%0.9%1.2%1.2%
Effective tax rate42.6%47.7%30.1%29.8%29.7%29.6%29.2%29.0%28.9%28.6%28.6%
Dividends ÷ net income9.9%9.8%7.2%16.4%38.0%16.6%25.6%32.3%39.8%30.6%28.7%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

85 /100

Strong moat

How hard PCB Bancorp's competitive advantage looks for rivals to wear away, judged from 9 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 15 / 20

    Net income has been a median 1.2% of total assets over 9 years.

  • Durability 20 / 20

    Net margin has been a median 32.2%; its worst year was 23.1%.

  • Discipline 19 / 20

    The diluted share count fell 7.7% over five years; stock-based pay has been a median 0.7% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (90 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: CHMG vs PCBPCB vs PDLBISTR vs PCBBWFG vs PCB

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from PCB Bancorp's SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to PCB Bancorp.