{ "ok": true, "cik": "1423869", "ticker": "PCB", "name": "PCB BANCORP", "filings": [ { "form": "8-K", "filed": "2026-09-24", "items": [ "5.02 Departure or Election of Directors; Appointment of Officers", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/1423869/000142386926000029/0001423869-26-000029-index.htm" }, { "form": "10-Q", "filed": "2026-08-06", "items": [], "url": "https://www.sec.gov/Archives/edgar/data/1423869/000142386926000027/0001423869-26-000027-index.htm" }, { "form": "8-K", "filed": "2026-07-23", "items": [ "2.02 Results of Operations and Financial Condition", "7.01 Regulation FD Disclosure", "8.01 Other Events", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/1423869/000142386926000022/0001423869-26-000022-index.htm" }, { "form": "8-K", "filed": "2026-05-27", "items": [ "5.07 Submission of Matters to a Vote of Security Holders" ], "url": "https://www.sec.gov/Archives/edgar/data/1423869/000142386926000020/0001423869-26-000020-index.htm" }, { "form": "10-Q", "filed": "2026-05-07", "items": [], "url": "https://www.sec.gov/Archives/edgar/data/1423869/000142386926000018/0001423869-26-000018-index.htm" }, { "form": "8-K", "filed": "2026-04-23", "items": [ "2.02 Results of Operations and Financial Condition", "7.01 Regulation FD Disclosure", "8.01 Other Events", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/1423869/000142386926000015/0001423869-26-000015-index.htm" } ], "events12m": 6, "sources": { "facts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0001423869.json", "filings": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1423869" }, "license": "Figures as filed with the SEC. Card text CC BY 4.0, POPS4.", "notAdvice": "Reporting, not investment advice. No price targets and no trading recommendations.", "edgar": "🫧 Edgar looked up PCB BANCORP ($PCB). Last filing: 8-K (5.02 Departure or Election of Directors; Appointment of Officers), 2026-09-24. 6 event filings (8-K) in the past twelve months. Non-reliance (8-K Item 4.02) filed 2025-07-24.", "auditor": { "changes": [], "nonReliance": [ { "filed": "2025-07-24", "url": "https://www.sec.gov/Archives/edgar/data/1423869/000142386925000036/0001423869-25-000036-index.htm" } ], "restatedSince": true }, "metrics": { "fiscalYearEnd": "2025-12-31", "revenue": 2899000, "revenueGrowth1y": 0.045061283345349645, "revenueGrowthPerYear": 0.051770023093910655, "yearsOfData": 5, "operatingMargin": null, "operatingMarginPrior": null, "netMargin": 12.919282511210762, "operatingCashFlow": 26589000, "capitalSpending": 2193000, "freeCashFlow": 24396000, "researchAndDevelopment": null, "researchShareOfRevenue": null, "cash": 207142000, "longTermDebt": null, "longTermDebtChange": null, "revenueHistory": [ { "fiscalYearEnd": "2021-12-31", "revenue": 2369000 }, { "fiscalYearEnd": "2022-12-31", "revenue": 2642000 }, { "fiscalYearEnd": "2023-12-31", "revenue": 2650000 }, { "fiscalYearEnd": "2024-12-31", "revenue": 2774000 }, { "fiscalYearEnd": "2025-12-31", "revenue": 2899000 } ], "totalEquity": 390026000, "totalAssets": 3281771000, "equityRatio": 0.11884619615445441, "returnOnEquity": 0.09602693153789747, "dividendsPaid": 11465000, "payoutRatio": 0.3061169999732999, "dividendPerShare": 0.8, "dividendYearsRising": 7, "dividendCut": false, "priceBased": "Dividend yield, price/earnings and price/book need a share price. The boards carry filings only, so they are not shown.", "earningsPerShare": 2.59, "sharesOutstanding": 14279130, "bookValuePerShare": 27.314409211205444, "revenuePerShare": 0.20302357356505613, "range80": { "low": 2010832.4743096926, "high": 4310043.101670417, "baseline": 3009869.668499885, "n": 2483, "band": "b000", "bandLabel": "under $50M", "method": "v4.1", "credibility": 0.625, "growthYears": 6, "ownVolatility": 0.0834039507768532, "classVolatility": 0.3000583276631395, "volatility": 0.19521977839922458 }, "ifPaceHeld": { "low": 2010832.4743096926, "high": 4310043.101670417 } }, "edgarette": "🔖 Exposure: revenue $2.9M (FY2025). Experience: revenue up 4.5% on the year, up 5.2% a year over 4 years. Soundness: equity 11.9% of assets, return on equity 9.6%, payout 30.6% of profit, dividend per share up 7 years running. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $2.0M and $4.3M next year (method v4.1: its own 6-year record of growth weighed at 63% against under $50M filers; on a year the method never saw, 83.4% landed inside). In a shock year the stress range is $1.9M to $4.5M. A range, not a forecast. Against peers (31 filers, $50M+ revenue, state commercial banks): growth 4.5% against 7.5%.", "peers": { "sic": 6022, "sicDescription": "State Commercial Banks", "calendarYear": 2025, "minRevenue": 50000000, "depth": 4, "group": "6022", "growth": [ 0.0753, 31 ], "equityRatio": [ 0.1055, 31 ], "returnOnEquity": [ 0.0969, 31 ], "payoutRatio": [ 0.3789, 29 ] }, "summary": "Pcb Bancorp (PCB) grew revenue 4.5% in FY2025 to $3 million, equity 11.9% of assets, and dividend per share up 7 years running. Every figure is from the company’s own annual report filed with the SEC.", "chart": "
PCB BANCORP against its own record and its peers
Revenue, on the yearPeer median 7.5%4.5%Equity of assetsPeer median 10.5%11.9%Return on equityPeer median 9.7%9.6%Payout of profitPeer median 37.9%30.6%Gold tick: the median of 29–31 peers with $50M+ revenue in state commercial banks
", "chartHorizon": "
Handed back now, or kept to compound
Of each dollar of profit30.6% paid out69.4% keptHanded back per share$0.8up 7 years runningGrowth its own profit can fund6.7%retained x return on equityRevenue growth it managed4.5%last year, for comparison

Gold is paid out to shareholders; navy is kept in the business. Retained profit times return on equity is the pace a company can fund from itself. Facts from the filings, not a recommendation.

", "backtest": { "tests": 6, "hits": 6, "rate": 1, "method": "v4", "byYear": { "2020": [ 1, 1 ], "2021": [ 1, 1 ], "2022": [ 1, 1 ], "2023": [ 1, 1 ], "2024": [ 1, 1 ], "2025": [ 1, 1 ] }, "note": "hindsight: the same credibility-weighted range on the company's own past years. Years 2018-2023 were used to fit or tune the method, so only 2025 outcomes are fully out of sample." }, "registry": { "logged": "2026-09-25T14:00:21.720Z", "hash": "8af74bd56bb3fa2a", "status": "open" }, "caution": "Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.", "schema": "pops4.edgarette.card/1", "card": { "summary": "Pcb Bancorp (PCB) grew revenue 4.5% in FY2025 to $3 million, equity 11.9% of assets, and dividend per share up 7 years running. Every figure is from the company’s own annual report filed with the SEC.", "exposure": { "fiscalYearEnd": "2025-12-31", "revenue": 2899000, "totalDebt": null, "cash": 207142000 }, "experience": { "revenueGrowth1y": 0.045061283345349645, "revenueGrowthPerYear": 0.051770023093910655, "operatingMargin": null, "operatingMarginPrior": null, "netMargin": 12.919282511210762, "freeCashFlow": 24396000 }, "soundness": { "equityRatio": 0.11884619615445441, "returnOnEquity": 0.09602693153789747, "payoutRatio": 0.3061169999732999, "dividendPerShare": 0.8, "dividendYearsRising": 7, "dividendCut": false, "note": "Dividend yield, price/earnings and price/book need a share price. The boards carry filings only, so they are not shown." }, "peers": { "sic": 6022, "sicDescription": "State Commercial Banks", "calendarYear": 2025, "minRevenue": 50000000, "depth": 4, "group": "6022", "growth": [ 0.0753, 31 ], "equityRatio": [ 0.1055, 31 ], "returnOnEquity": [ 0.0969, 31 ], "payoutRatio": [ 0.3789, 29 ] }, "credibility": { "auditedYears": 5, "weight": "reasonable", "standard": "ASOP No. 25", "nonReliance": { "filed": "2025-07-24", "url": "https://www.sec.gov/Archives/edgar/data/1423869/000142386925000036/0001423869-25-000036-index.htm", "restatedSince": true, "markedDown": false }, "auditorChange": null }, "range": { "low": 2010832.4743096926, "high": 4310043.101670417, "baseline": 3009869.668499885, "coverage": 0.8, "method": "v4.1", "basis": "next fiscal year revenue: baseline = revenue x (1 + mean of one-year and three-year pace); width = the company's own volatility of yearly growth, credibility-weighted against its size class (Buhlmann), scaled to the 80% target on 2023 and tested on 2024", "calibratedOn": { "companyYears": 2483, "sizeBand": "under $50M", "fitYears": [ 2018, 2022 ], "tuneYear": 2023, "testYear": 2024, "coverageOnTestYear": 0.8341 }, "credibility": { "weightOnOwnRecord": 0.625, "growthYears": 6, "ownVolatility": 0.0834039507768532, "classVolatility": 0.3000583276631395, "pricedVolatility": 0.19521977839922458, "k": 3 }, "stress": { "low": 1908402.9864085868, "high": 4549635.552282236, "basis": "the same range with widths set to hold 80% across 2018-2023, pandemic years included" }, "kind": "a statistical range, not company guidance; no view on the share price", "track": { "backtest": { "tests": 6, "hits": 6, "rate": 1, "method": "v4", "byYear": { "2020": [ 1, 1 ], "2021": [ 1, 1 ], "2022": [ 1, 1 ], "2023": [ 1, 1 ], "2024": [ 1, 1 ], "2025": [ 1, 1 ] }, "note": "hindsight: the same credibility-weighted range on the company's own past years. Years 2018-2023 were used to fit or tune the method, so only 2025 outcomes are fully out of sample." }, "registry": { "logged": "2026-09-25T14:00:21.720Z", "hash": "8af74bd56bb3fa2a", "status": "open" }, "scorecard": "https://www.pops4.com/boards/scorecard" } }, "caution": "Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.", "sources": { "facts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0001423869.json", "filings": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1423869" } }, "definitions": { "operatingMargin": "Operating income divided by revenue.", "netMargin": "Net income divided by revenue.", "freeCashFlow": "Cash from operations minus spending on property and equipment.", "researchShareOfRevenue": "Research and development expense for the year as a share of revenue, both as filed.", "equityRatio": "Shareholders equity as a share of total assets, both as filed. Higher means less of the company is owed to someone else.", "returnOnEquity": "Net income for the year against shareholders equity at year end.", "payoutRatio": "Dividends paid as a share of net income, in the year the cash went out.", "dividendYearsRising": "Consecutive years, counted back from the last on record, in which dividend per share rose. A fall ends the run and is reported as dividendCut.", "revenueGrowthPerYear": "Compound annual growth between the first and latest fiscal years shown.", "credibility": "How much weight a record deserves, in the actuarial sense (ASOP No. 25): more audited years, more weight.", "peers": "Medians of SEC filers with $50M+ revenue in the same industry code (SIC), narrowest group with at least 8 filers, calendar-year figures from SEC XBRL frames.", "backtest": "The same if-the-pace-held arithmetic applied to the company's own past years, scored against what it actually reported next. Hindsight, and labelled so." } }