vs
Side-by-side financial comparison of Expensify, Inc. (EXFY) and PCB BANCORP (PCB). Click either name above to swap in a different company.
Expensify, Inc. is the larger business by last-quarter revenue ($35.2M vs $29.2M, roughly 1.2× PCB BANCORP). On growth, PCB BANCORP posted the faster year-over-year revenue change (11.3% vs -4.9%). Over the past eight quarters, PCB BANCORP's revenue compounded faster (10.4% CAGR vs 2.4%).
Expensify, Inc. is a software company that develops an expense management system for personal and business use. Expensify also offers a business credit card called the Expensify Card.
PCB Bank is an American community bank that focuses on the Korean-American community based in California and offers commercial banking services. It has branches in 8 states and is the third largest Korean American Bank after Bank of Hope and Hanmi Bank.
EXFY vs PCB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.2M | $29.2M |
| Net Profit | — | — |
| Gross Margin | 49.2% | — |
| Operating Margin | -11.2% | 45.0% |
| Net Margin | — | — |
| Revenue YoY | -4.9% | 11.3% |
| Net Profit YoY | — | — |
| EPS (diluted) | $-0.07 | $0.65 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $35.2M | $29.2M | ||
| Q3 25 | $35.1M | $30.4M | ||
| Q2 25 | $35.8M | $29.3M | ||
| Q1 25 | $36.1M | $26.9M | ||
| Q4 24 | $37.0M | $26.2M | ||
| Q3 24 | $35.4M | $25.3M | ||
| Q2 24 | $33.3M | $24.2M | ||
| Q1 24 | $33.5M | $23.9M |
| Q4 25 | — | — | ||
| Q3 25 | $-2.3M | $11.4M | ||
| Q2 25 | $-8.8M | $9.1M | ||
| Q1 25 | $-3.2M | $7.7M | ||
| Q4 24 | — | — | ||
| Q3 24 | $-2.2M | $7.8M | ||
| Q2 24 | $-2.8M | $6.3M | ||
| Q1 24 | $-3.8M | $4.7M |
| Q4 25 | 49.2% | — | ||
| Q3 25 | 49.6% | — | ||
| Q2 25 | 51.9% | — | ||
| Q1 25 | 50.6% | — | ||
| Q4 24 | 51.0% | — | ||
| Q3 24 | 51.6% | — | ||
| Q2 24 | 56.9% | — | ||
| Q1 24 | 56.5% | — |
| Q4 25 | -11.2% | 45.0% | ||
| Q3 25 | -6.4% | 52.3% | ||
| Q2 25 | -28.9% | 43.3% | ||
| Q1 25 | -4.1% | 40.2% | ||
| Q4 24 | 1.3% | 39.3% | ||
| Q3 24 | 0.8% | 42.2% | ||
| Q2 24 | 0.7% | 36.3% | ||
| Q1 24 | -5.3% | 27.2% |
| Q4 25 | — | — | ||
| Q3 25 | -6.6% | 37.5% | ||
| Q2 25 | -24.6% | 31.0% | ||
| Q1 25 | -8.8% | 28.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | -6.2% | 30.8% | ||
| Q2 24 | -8.3% | 25.9% | ||
| Q1 24 | -11.3% | 19.6% |
| Q4 25 | $-0.07 | $0.65 | ||
| Q3 25 | $-0.03 | $0.78 | ||
| Q2 25 | $-0.10 | $0.62 | ||
| Q1 25 | $-0.03 | $0.53 | ||
| Q4 24 | $-0.03 | $0.46 | ||
| Q3 24 | $-0.02 | $0.52 | ||
| Q2 24 | $-0.03 | $0.43 | ||
| Q1 24 | $-0.04 | $0.33 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $63.1M | $207.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $132.7M | $390.0M |
| Total Assets | $186.0M | $3.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $63.1M | $207.1M | ||
| Q3 25 | $61.5M | $369.5M | ||
| Q2 25 | $60.5M | $263.6M | ||
| Q1 25 | $59.6M | $214.3M | ||
| Q4 24 | $48.8M | $198.8M | ||
| Q3 24 | $39.2M | $193.1M | ||
| Q2 24 | $53.2M | $177.6M | ||
| Q1 24 | $49.3M | $239.8M |
| Q4 25 | $132.7M | $390.0M | ||
| Q3 25 | $135.7M | $384.5M | ||
| Q2 25 | $131.8M | $376.5M | ||
| Q1 25 | $134.7M | $370.9M | ||
| Q4 24 | $128.2M | $363.8M | ||
| Q3 24 | $119.9M | $362.3M | ||
| Q2 24 | $114.0M | $353.5M | ||
| Q1 24 | $106.5M | $350.0M |
| Q4 25 | $186.0M | $3.3B | ||
| Q3 25 | $186.8M | $3.4B | ||
| Q2 25 | $187.1M | $3.3B | ||
| Q1 25 | $189.2M | $3.2B | ||
| Q4 24 | $173.7M | $3.1B | ||
| Q3 24 | $176.2M | $2.9B | ||
| Q2 24 | $192.9M | $2.9B | ||
| Q1 24 | $184.8M | $2.9B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $2.2M | $26.6M |
| Free Cash FlowOCF − Capex | — | $24.4M |
| FCF MarginFCF / Revenue | — | 83.6% |
| Capex IntensityCapex / Revenue | — | 7.5% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $46.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.2M | $26.6M | ||
| Q3 25 | $4.2M | $16.4M | ||
| Q2 25 | $8.9M | $4.9M | ||
| Q1 25 | $4.8M | $2.3M | ||
| Q4 24 | $7.4M | $39.0M | ||
| Q3 24 | $3.7M | $11.9M | ||
| Q2 24 | $9.3M | $14.6M | ||
| Q1 24 | $3.5M | $8.2M |
| Q4 25 | — | $24.4M | ||
| Q3 25 | — | $16.2M | ||
| Q2 25 | — | $3.8M | ||
| Q1 25 | — | $1.6M | ||
| Q4 24 | — | $34.9M | ||
| Q3 24 | — | $11.9M | ||
| Q2 24 | — | $12.8M | ||
| Q1 24 | — | $6.0M |
| Q4 25 | — | 83.6% | ||
| Q3 25 | — | 53.2% | ||
| Q2 25 | — | 13.1% | ||
| Q1 25 | — | 6.0% | ||
| Q4 24 | — | 133.2% | ||
| Q3 24 | — | 46.8% | ||
| Q2 24 | — | 53.1% | ||
| Q1 24 | — | 25.2% |
| Q4 25 | — | 7.5% | ||
| Q3 25 | 0.0% | 0.8% | ||
| Q2 25 | — | 3.7% | ||
| Q1 25 | — | 2.8% | ||
| Q4 24 | 0.0% | 15.5% | ||
| Q3 24 | 0.0% | 0.1% | ||
| Q2 24 | 0.0% | 7.3% | ||
| Q1 24 | 0.0% | 9.3% |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.44× | ||
| Q2 25 | — | 0.54× | ||
| Q1 25 | — | 0.30× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 1.52× | ||
| Q2 24 | — | 2.33× | ||
| Q1 24 | — | 1.76× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
