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Side-by-side financial comparison of JFB Construction Holdings (JFB) and PCB BANCORP (PCB). Click either name above to swap in a different company.
PCB BANCORP is the larger business by last-quarter revenue ($29.2M vs $16.0M, roughly 1.8× JFB Construction Holdings). PCB BANCORP produced more free cash flow last quarter ($24.4M vs $-9.1M).
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.
JFB vs PCB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $16.0M | $29.2M |
| Net Profit | $-1.9M | — |
| Gross Margin | 4.3% | — |
| Operating Margin | -12.7% | 45.0% |
| Net Margin | -11.7% | — |
| Revenue YoY | — | 11.3% |
| Net Profit YoY | — | — |
| EPS (diluted) | $0.06 | $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 | $16.0M | $29.2M | ||
| Q3 25 | $5.0M | $30.4M | ||
| Q2 25 | $3.7M | $29.3M | ||
| Q1 25 | $5.9M | $26.9M | ||
| Q4 24 | — | $26.2M | ||
| Q3 24 | — | $25.3M | ||
| Q2 24 | — | $24.2M | ||
| Q1 24 | — | $23.9M |
| Q4 25 | $-1.9M | — | ||
| Q3 25 | $-1.1M | $11.4M | ||
| Q2 25 | $-2.4M | $9.1M | ||
| Q1 25 | $30.3K | $7.7M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $7.8M | ||
| Q2 24 | — | $6.3M | ||
| Q1 24 | — | $4.7M |
| Q4 25 | 4.3% | — | ||
| Q3 25 | 14.9% | — | ||
| Q2 25 | 7.0% | — | ||
| Q1 25 | 24.8% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | -12.7% | 45.0% | ||
| Q3 25 | -22.6% | 52.3% | ||
| Q2 25 | -67.2% | 43.3% | ||
| Q1 25 | -0.5% | 40.2% | ||
| Q4 24 | — | 39.3% | ||
| Q3 24 | — | 42.2% | ||
| Q2 24 | — | 36.3% | ||
| Q1 24 | — | 27.2% |
| Q4 25 | -11.7% | — | ||
| Q3 25 | -21.3% | 37.5% | ||
| Q2 25 | -64.3% | 31.0% | ||
| Q1 25 | 0.5% | 28.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 30.8% | ||
| Q2 24 | — | 25.9% | ||
| Q1 24 | — | 19.6% |
| Q4 25 | $0.06 | $0.65 | ||
| Q3 25 | $-0.11 | $0.78 | ||
| Q2 25 | $-0.26 | $0.62 | ||
| Q1 25 | $0.00 | $0.53 | ||
| Q4 24 | — | $0.46 | ||
| Q3 24 | — | $0.52 | ||
| Q2 24 | — | $0.43 | ||
| Q1 24 | — | $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 | — | $207.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $37.8M | $390.0M |
| Total Assets | $40.0M | $3.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $207.1M | ||
| Q3 25 | — | $369.5M | ||
| Q2 25 | — | $263.6M | ||
| Q1 25 | — | $214.3M | ||
| Q4 24 | — | $198.8M | ||
| Q3 24 | — | $193.1M | ||
| Q2 24 | — | $177.6M | ||
| Q1 24 | — | $239.8M |
| Q4 25 | $37.8M | $390.0M | ||
| Q3 25 | $11.6M | $384.5M | ||
| Q2 25 | $10.1M | $376.5M | ||
| Q1 25 | $11.0M | $370.9M | ||
| Q4 24 | — | $363.8M | ||
| Q3 24 | — | $362.3M | ||
| Q2 24 | — | $353.5M | ||
| Q1 24 | — | $350.0M |
| Q4 25 | $40.0M | $3.3B | ||
| Q3 25 | $14.0M | $3.4B | ||
| Q2 25 | $12.0M | $3.3B | ||
| Q1 25 | $13.3M | $3.2B | ||
| Q4 24 | — | $3.1B | ||
| Q3 24 | — | $2.9B | ||
| Q2 24 | — | $2.9B | ||
| Q1 24 | — | $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 | $-9.0M | $26.6M |
| Free Cash FlowOCF − Capex | $-9.1M | $24.4M |
| FCF MarginFCF / Revenue | -57.2% | 83.6% |
| Capex IntensityCapex / Revenue | 1.1% | 7.5% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-12.0M | $46.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-9.0M | $26.6M | ||
| Q3 25 | $-719.0K | $16.4M | ||
| Q2 25 | $-2.5M | $4.9M | ||
| Q1 25 | $392.8K | $2.3M | ||
| Q4 24 | — | $39.0M | ||
| Q3 24 | — | $11.9M | ||
| Q2 24 | — | $14.6M | ||
| Q1 24 | — | $8.2M |
| Q4 25 | $-9.1M | $24.4M | ||
| Q3 25 | $-730.9K | $16.2M | ||
| Q2 25 | $-2.5M | $3.8M | ||
| Q1 25 | $347.0K | $1.6M | ||
| Q4 24 | — | $34.9M | ||
| Q3 24 | — | $11.9M | ||
| Q2 24 | — | $12.8M | ||
| Q1 24 | — | $6.0M |
| Q4 25 | -57.2% | 83.6% | ||
| Q3 25 | -14.7% | 53.2% | ||
| Q2 25 | -68.0% | 13.1% | ||
| Q1 25 | 5.9% | 6.0% | ||
| Q4 24 | — | 133.2% | ||
| Q3 24 | — | 46.8% | ||
| Q2 24 | — | 53.1% | ||
| Q1 24 | — | 25.2% |
| Q4 25 | 1.1% | 7.5% | ||
| Q3 25 | 0.2% | 0.8% | ||
| Q2 25 | 0.0% | 3.7% | ||
| Q1 25 | 0.8% | 2.8% | ||
| Q4 24 | — | 15.5% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 7.3% | ||
| Q1 24 | — | 9.3% |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.44× | ||
| Q2 25 | — | 0.54× | ||
| Q1 25 | 12.96× | 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.
Revenue Breakdown by Segment
JFB
| Nonrelated Party | $12.5M | 78% |
| Other | $3.5M | 22% |
PCB
Segment breakdown not available.
