PCB Bancorp — Earnings Quality Grade C
PCB · Financial Services
Some red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 34 days, change -5 days YoY
AR growth 1.9% vs revenue growth 16.1%
Revenue grew 16.1% but CFFO declined -31.8%
Small-cap context: Small-cap revenue/CFFO ratio is sensitive to growth-stage working-capital draws.
Expense Quality
No material inventory
CapEx growth -46.2% vs revenue 16.1%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.71. Below 1.0
FCF $0.0B, FCF/NI = 0.65
Accruals ratio = 0.3%. Low accruals
Cash $0.2B covers debt $0.1B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
PCB Bancorp is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25