For the year ending 2025-12-31, PCB had $8,350K increase in cash & cash equivalents over the period. $24,396K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Income before income taxes | 52,488 |
| Income tax benefit | 15,035 |
| Net income | 37,453 |
| Depreciation of premises and equipment | 2,213 |
| Net amortization of premiums on securities | -146 |
| Net accretion of discounts on loans | 2,791 |
| Net accretion of deferred loan fees | 1,368 |
| Amortization of servicing assets | 2,080 |
| Provision (reversal) for credit losses on loans | 3,675 |
| Provision (reversal) for credit losses on off-balance sheet credit exposures | 353 |
| Provision (reversal) for credit losses | 4,028 |
| Bank-owned life insurance income | 1,030 |
| Deferred tax expense (benefit) | -3,847 |
| Share-based compensation | 973 |
| Gain on sale of loans | 4,617 |
| Originations of loans held-for-sale | 92,198 |
| Proceeds from sales of and principal collected on loans held-for-sale | 90,935 |
| Change in accrued interest receivable and other assets | -2,180 |
| Change in accrued interest payable and other liabilities | -7,568 |
| Net cash provided by operating activities | 26,589 |
| Purchase of securities available-for-sale | 31,655 |
| Proceeds from maturities, calls, and paydowns of securities available-for-sale | 24,198 |
| Proceeds from sales of and principal collected on loans held-for-sale previously classified as held-for-investment | 0 |
| Net increase in loans held-for-investment | 189,551 |
| Purchase of loans held-for-investment | 0 |
| Purchase of federal home loan bank and other restricted stock | 936 |
| Proceeds from sale of other real estate owned | 0 |
| Purchases of premises and equipment | 2,193 |
| Investment in private equity | 0 |
| Net cash used in investing activities | -200,137 |
| Net increase in deposits | 179,621 |
| Net change in short-term federal home loan bank advances and other borrowings | 19,000 |
| Proceeds from long-term federal home loan bank advances | 0 |
| Repayment of long-term federal home loan bank advances | 0 |
| Stock options exercised | 2,278 |
| Restricted stock surrendered due to employee tax liability | 81 |
| Stock repurchase excise tax | -8 |
| Repurchase of common stock | 7,101 |
| Cash dividends paid on preferred stock | 346 |
| Cash dividends paid on common stock | 11,465 |
| Net cash provided by financing activities | 181,898 |
| Net increase (decrease) in cash and cash equivalents | 8,350 |
| Cash and cash equivalents at beginning of year | 198,792 |
| Cash and cash equivalents at end of year | 207,142 |
PCB BANCORP (PCB)
PCB BANCORP (PCB)