Last 46 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
PCB Bancorp's quarterly P/E stands at 8.5x, down 23.1% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has expanded 143.1% YoY to 6.8x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.29 | 8.46 | 6.73 | 8.46 | 8.83 | 11.00 | 9.03 | 9.47 | 12.37 | 11.24 | 7.88 | 7.07 | 5.18 |
| — | -23.1% | -25.5% | -10.6% | -28.7% | -2.1% | +14.6% | +33.8% | +139.1% | +47.4% | -19.7% | -9.1% | -39.6% | |
| P/S Ratio | 1.63 | 1.47 | 1.37 | 1.43 | 1.36 | 1.47 | 1.39 | 1.23 | 1.26 | 1.52 | 1.34 | 1.34 | 1.41 |
| — | -0.1% | -1.0% | +16.6% | +8.2% | -3.1% | +3.2% | -8.1% | -10.5% | -21.8% | -40.8% | -50.6% | -57.6% | |
| P/B Ratio | 0.88 | 0.79 | 0.78 | 0.80 | 0.66 | 0.80 | 0.74 | 0.66 | 0.67 | 0.76 | 0.65 | 0.62 | 0.63 |
| — | -1.1% | +5.3% | +21.4% | -0.9% | +5.6% | +14.4% | +6.3% | +6.6% | -3.8% | -20.6% | -26.6% | -52.9% | |
| P/FCF | 13.29 | 215.83 | 4.66 | 19.70 | 42.14 | 17.39 | 5.69 | 4.53 | 9.71 | 6.85 | 3.02 | 3.32 | 2.92 |
| — | +1141.1% | -18.1% | +334.5% | +334.0% | +154.1% | +88.2% | +36.5% | +232.7% | +42.9% | -97.9% | -58.9% | -3.1% | |
| EV / EBITDA | 7.39 | 6.76 | -0.72 | 1.87 | 2.20 | 2.78 | 2.04 | 2.80 | 2.15 | 2.17 | 0.81 | -0.12 | 0.44 |
| — | +143.1% | -135.3% | -33.2% | +2.3% | +28.0% | +151.1% | +2472.8% | +392.7% | -18.4% | -72.4% | +37.5% | -76.8% | |
| EV / EBIT | 7.39 | 6.76 | -0.77 | 2.02 | 2.42 | 3.04 | 2.25 | 3.14 | 2.45 | 2.44 | 0.90 | -0.13 | 0.47 |
| — | +122.3% | -134.4% | -35.6% | -1.2% | +24.6% | +149.9% | +2526.5% | +427.0% | -15.6% | -72.2% | +35.8% | -76.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
PCB Bancorp's operating margin was 25.0% in Q4 2025, down 3.9 pp QoQ and up 4.1 pp YoY. Gross margin expanded 9.5% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 53.3% | 53.7% | 56.1% | 52.3% | 51.1% | 49.0% | 52.0% | 50.5% | 49.1% | 52.3% | 58.5% | 61.2% | 75.1% |
| — | +9.5% | +7.8% | +3.5% | +3.9% | -6.3% | -11.1% | -17.5% | -34.6% | -30.3% | -25.1% | -36.4% | -25.7% | |
| Operating Margin | 25.1% | 25.0% | 29.0% | 24.1% | 21.8% | 20.9% | 22.0% | 18.5% | 14.0% | 19.0% | 24.2% | 26.7% | 38.5% |
| — | +19.9% | +31.8% | +30.0% | +56.0% | +9.9% | -9.0% | -30.7% | -63.7% | -47.9% | -25.6% | -45.8% | -30.0% | |
| Net Margin | 17.9% | 17.6% | 20.8% | 17.2% | 15.6% | 14.2% | 16.1% | 13.2% | 10.1% | 13.6% | 17.0% | 18.9% | 27.4% |
| — | +23.7% | +29.4% | +30.2% | +55.2% | +4.7% | -5.4% | -30.0% | -63.3% | -46.9% | -26.7% | -45.7% | -29.9% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.9% | 2.4% | 3.0% | 2.3% | 2.0% | 1.9% | 2.2% | 1.8% | 1.3% | 1.7% | 2.1% | 2.2% | 3.1% |
| — | +23.2% | +37.4% | +29.7% | +49.8% | +13.2% | +6.1% | -19.1% | -56.2% | -34.3% | -1.2% | -27.7% | -22.6% | |
| ROA | 1.2% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.4% |
| — | +17.7% | +25.8% | +26.3% | +48.3% | +7.1% | -0.7% | -25.6% | -60.3% | -39.8% | -7.9% | -26.1% | -11.1% | |
| ROIC | 9.2% | 2.3% | 2.8% | 2.1% | 1.9% | 2.0% | 2.0% | 1.6% | 1.2% | 1.6% | 2.2% | 2.3% | 3.1% |
| — | +14.6% | +39.2% | +33.1% | +60.9% | +21.1% | -6.1% | -30.7% | -61.7% | -38.0% | +0.7% | -26.2% | -21.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
PCB Bancorp's Debt/EBITDA ratio is 5.5x, up from 1.1x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 7533.1% YoY to 10.32x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.18 | 0.18 | 0.05 | 0.17 | 0.12 | 0.09 | 0.05 | 0.16 | 0.20 | 0.17 | 0.02 | 0.02 | 0.02 |
| — | +99.4% | -7.4% | +10.5% | -38.8% | -45.4% | +211.2% | +862.9% | +973.0% | +112.1% | -23.1% | -23.6% | -71.9% | |
| Debt / EBITDA | 1.37 | 5.49 | 1.12 | 4.72 | 4.16 | 2.99 | 1.64 | 5.57 | 9.37 | 6.37 | 0.53 | 0.47 | 0.40 |
| — | +83.8% | -32.1% | -15.4% | -55.6% | -53.1% | +209.9% | +1074.0% | +2218.2% | +220.0% | -23.4% | -7.7% | -64.2% | |
| Current Ratio | 0.16 | 10.32 | 0.18 | 0.15 | 0.14 | 0.14 | 0.14 | 0.14 | 0.16 | 0.17 | 0.15 | 0.17 | 0.16 |
| — | +7533.1% | +27.8% | +9.0% | -13.7% | -18.6% | -7.0% | -16.4% | +0.3% | +15.2% | +5.2% | -24.7% | -20.9% | |
| Quick Ratio | 0.16 | 10.32 | 0.18 | 0.15 | 0.14 | 0.14 | 0.14 | 0.14 | 0.16 | 0.17 | 0.15 | 0.17 | 0.16 |
| — | +7533.1% | +27.8% | +9.0% | -13.7% | -18.6% | -7.0% | -16.4% | +0.3% | +15.2% | +5.2% | -24.7% | -20.9% | |
| Interest Coverage | 0.56 | 0.56 | 0.65 | 0.54 | 0.48 | 0.45 | 0.46 | 0.38 | 0.29 | 0.43 | 0.61 | 0.70 | 1.19 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 46 years · Updated daily
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PCB Bancorp's current P/E is 9.3x. The average P/E over the last 4 quarters is 8.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
PCB Bancorp's current operating margin is 25.1%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking PCB Bancorp's business trajectory between earnings reports.