PCB Bancorp (PCB) — Cash Flow Quality Index
PCB Bancorp (PCB) has a Cash Flow Quality Index of 1.44x as of September 2025. Operating cash flow of $16.42 Million exceeds net income of $11.41 Million, indicating high earnings quality where cash backs reported profits. Explore how well can PCB Bancorp service its debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
PCB Bancorp Cash Flow Quality Index (2004–2024)
Historical Cash Flow Quality Index for PCB Bancorp across 19 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see how efficiently does PCB Bancorp generate cash.
Annual Cash Flow Quality Index for PCB Bancorp (2004–2024)
Year-by-year earnings quality comparison for PCB Bancorp.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.51x | $38.98 Million | $25.81 Million | ▼ -26.8% |
| 2023 | 2.06x | $63.34 Million | $30.70 Million | ▲ +26.0% |
| 2022 | 1.64x | $57.27 Million | $34.99 Million | ▲ +4159.4% |
| 2021 | -0.04x | $-1.62 Million | $40.10 Million | ▼ -103.8% |
| 2020 | 1.06x | $17.09 Million | $16.18 Million | ▼ -15.4% |
| 2019 | 1.25x | $30.12 Million | $24.11 Million | ▼ -1.0% |
| 2018 | 1.26x | $30.68 Million | $24.30 Million | ▼ -2.4% |
| 2017 | 1.29x | $21.21 Million | $16.40 Million | ▼ -55.0% |
| 2016 | 2.87x | $40.20 Million | $14.00 Million | ▼ -38.5% |
| 2015 | 4.66x | $56.84 Million | $12.19 Million | ▲ +206.9% |
| 2014 | 1.52x | $17.96 Million | $11.82 Million | ▲ +17.0% |
| 2013 | 1.30x | $27.79 Million | $21.38 Million | ▲ +7.5% |
| 2012 | 1.21x | $9.72 Million | $8.04 Million | ▼ -96.3% |
| 2011 | 32.31x | $27.20 Million | $841.68K | ▲ +523.3% |
| 2008 | 5.18x | $3.74 Million | $720.85K | ▲ +139.2% |
| 2007 | 2.17x | $5.37 Million | $2.48 Million | ▼ -1.8% |
| 2006 | 2.21x | $6.21 Million | $2.81 Million | ▲ +66.0% |
| 2005 | 1.33x | $2.87 Million | $2.16 Million | ▲ +185.6% |
| 2004 | 0.47x | $485.15K | $1.04 Million | — |