PCB Bancorp (PCB) — Financial Flexibility Index
PCB Bancorp (PCB) has a Financial Flexibility Index of 0.01x as of September 2025. Free cash flow of $16.67 Million (operating CF $16.42 Million minus capex $247.00K) represents 0% of total liabilities ($2.98 Billion). Check PCB total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
PCB Bancorp Financial Flexibility Index (2003–2024)
Historical Financial Flexibility Index trend for PCB Bancorp across 22 annual periods. For the full cash flow conversion analysis, see PCB Bancorp cash conversion from operations.
Annual Financial Flexibility Index for PCB Bancorp (2003–2024)
Year-by-year free cash flow to debt coverage for PCB Bancorp. Explore PCB debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.02x | $43.06 Million | $38.98 Million | $2.70 Billion | ▼ -39.8% |
| 2023 | 0.03x | $64.66 Million | $63.34 Million | $2.44 Billion | ▼ -11.9% |
| 2022 | 0.03x | $62.72 Million | $57.27 Million | $2.08 Billion | ▲ +4899.4% |
| 2021 | 0.00x | $-1.19 Million | $-1.62 Million | $1.89 Billion | ▼ -105.6% |
| 2020 | 0.01x | $18.88 Million | $17.09 Million | $1.69 Billion | ▼ -44.9% |
| 2019 | 0.02x | $30.83 Million | $30.12 Million | $1.52 Billion | ▼ -5.2% |
| 2018 | 0.02x | $31.82 Million | $30.68 Million | $1.49 Billion | ▲ +23.7% |
| 2017 | 0.02x | $22.49 Million | $21.21 Million | $1.30 Billion | ▼ -54.9% |
| 2016 | 0.04x | $42.18 Million | $40.20 Million | $1.10 Billion | ▼ -38.8% |
| 2015 | 0.06x | $59.24 Million | $56.84 Million | $944.48 Million | ▲ +172.4% |
| 2014 | 0.02x | $18.61 Million | $17.96 Million | $808.23 Million | ▼ -46.8% |
| 2013 | 0.04x | $29.39 Million | $27.79 Million | $679.36 Million | ▲ +135.2% |
| 2012 | 0.02x | $10.03 Million | $9.72 Million | $545.25 Million | ▼ -67.3% |
| 2011 | 0.06x | $27.40 Million | $27.20 Million | $487.71 Million | ▲ +4460.5% |
| 2010 | 0.00x | $596.14K | $385.99K | $483.90 Million | ▼ -95.7% |
| 2009 | 0.03x | $13.90 Million | $13.75 Million | $485.11 Million | ▲ +277.1% |
| 2008 | 0.01x | $3.93 Million | $3.74 Million | $517.66 Million | ▼ -54.3% |
| 2007 | 0.02x | $7.80 Million | $5.37 Million | $468.84 Million | ▼ -30.8% |
| 2006 | 0.02x | $8.49 Million | $6.21 Million | $353.02 Million | ▲ +88.2% |
| 2005 | 0.01x | $3.04 Million | $2.87 Million | $238.35 Million | ▲ +139.3% |
| 2004 | 0.01x | $562.60K | $485.15K | $105.37 Million | ▼ -55.3% |
| 2003 | 0.01x | $445.23K | $-610.23K | $37.27 Million | — |