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Side-by-side financial comparison of PCB BANCORP (PCB) and SmartRent, Inc. (SMRT). Click either name above to swap in a different company.
SmartRent, Inc. is the larger business by last-quarter revenue ($36.5M vs $29.2M, roughly 1.3× PCB BANCORP). On growth, PCB BANCORP posted the faster year-over-year revenue change (11.3% vs 3.1%). PCB BANCORP produced more free cash flow last quarter ($24.4M vs $7.7M). Over the past eight quarters, PCB BANCORP's revenue compounded faster (10.4% CAGR vs -15.0%).
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.
Budget Rent a Car System, Inc. is an American car rental company that was founded in 1958 in Los Angeles, California by Morris Mirkin. Budget is a subsidiary of the Avis Budget Group, with its operations headquartered in Parsippany, New Jersey.
PCB vs SMRT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $29.2M | $36.5M |
| Net Profit | — | $-3.2M |
| Gross Margin | — | 38.6% |
| Operating Margin | 45.0% | -10.9% |
| Net Margin | — | -8.9% |
| Revenue YoY | 11.3% | 3.1% |
| Net Profit YoY | — | 71.6% |
| EPS (diluted) | $0.65 | $-0.02 |
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 | $29.2M | $36.5M | ||
| Q3 25 | $30.4M | $36.2M | ||
| Q2 25 | $29.3M | $38.3M | ||
| Q1 25 | $26.9M | $41.3M | ||
| Q4 24 | $26.2M | $35.4M | ||
| Q3 24 | $25.3M | $40.5M | ||
| Q2 24 | $24.2M | $48.5M | ||
| Q1 24 | $23.9M | $50.5M |
| Q4 25 | — | $-3.2M | ||
| Q3 25 | $11.4M | $-6.3M | ||
| Q2 25 | $9.1M | $-10.9M | ||
| Q1 25 | $7.7M | $-40.2M | ||
| Q4 24 | — | $-11.4M | ||
| Q3 24 | $7.8M | $-9.9M | ||
| Q2 24 | $6.3M | $-4.6M | ||
| Q1 24 | $4.7M | $-7.7M |
| Q4 25 | — | 38.6% | ||
| Q3 25 | — | 26.4% | ||
| Q2 25 | — | 33.1% | ||
| Q1 25 | — | 32.8% | ||
| Q4 24 | — | 28.7% | ||
| Q3 24 | — | 33.2% | ||
| Q2 24 | — | 35.7% | ||
| Q1 24 | — | 38.5% |
| Q4 25 | 45.0% | -10.9% | ||
| Q3 25 | 52.3% | -19.4% | ||
| Q2 25 | 43.3% | -30.5% | ||
| Q1 25 | 40.2% | -99.9% | ||
| Q4 24 | 39.3% | -36.6% | ||
| Q3 24 | 42.2% | -29.0% | ||
| Q2 24 | 36.3% | -14.3% | ||
| Q1 24 | 27.2% | -20.1% |
| Q4 25 | — | -8.9% | ||
| Q3 25 | 37.5% | -17.3% | ||
| Q2 25 | 31.0% | -28.3% | ||
| Q1 25 | 28.8% | -97.2% | ||
| Q4 24 | — | -32.3% | ||
| Q3 24 | 30.8% | -24.5% | ||
| Q2 24 | 25.9% | -9.5% | ||
| Q1 24 | 19.6% | -15.2% |
| Q4 25 | $0.65 | $-0.02 | ||
| Q3 25 | $0.78 | $-0.03 | ||
| Q2 25 | $0.62 | $-0.06 | ||
| Q1 25 | $0.53 | $-0.21 | ||
| Q4 24 | $0.46 | $-0.06 | ||
| Q3 24 | $0.52 | $-0.05 | ||
| Q2 24 | $0.43 | $-0.02 | ||
| Q1 24 | $0.33 | $-0.04 |
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 | $104.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $390.0M | $232.1M |
| Total Assets | $3.3B | $320.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $207.1M | $104.5M | ||
| Q3 25 | $369.5M | $100.0M | ||
| Q2 25 | $263.6M | $105.0M | ||
| Q1 25 | $214.3M | $125.6M | ||
| Q4 24 | $198.8M | $142.5M | ||
| Q3 24 | $193.1M | $163.4M | ||
| Q2 24 | $177.6M | $187.4M | ||
| Q1 24 | $239.8M | $204.7M |
| Q4 25 | $390.0M | $232.1M | ||
| Q3 25 | $384.5M | $234.4M | ||
| Q2 25 | $376.5M | $238.8M | ||
| Q1 25 | $370.9M | $250.7M | ||
| Q4 24 | $363.8M | $289.4M | ||
| Q3 24 | $362.3M | $305.1M | ||
| Q2 24 | $353.5M | $329.4M | ||
| Q1 24 | $350.0M | $333.1M |
| Q4 25 | $3.3B | $320.9M | ||
| Q3 25 | $3.4B | $335.8M | ||
| Q2 25 | $3.3B | $354.0M | ||
| Q1 25 | $3.2B | $366.1M | ||
| Q4 24 | $3.1B | $420.2M | ||
| Q3 24 | $2.9B | $448.6M | ||
| Q2 24 | $2.9B | $475.3M | ||
| Q1 24 | $2.9B | $485.5M |
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 | $26.6M | $7.7M |
| Free Cash FlowOCF − Capex | $24.4M | $7.7M |
| FCF MarginFCF / Revenue | 83.6% | 21.0% |
| Capex IntensityCapex / Revenue | 7.5% | 0.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $46.0M | $-25.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $26.6M | $7.7M | ||
| Q3 25 | $16.4M | $-2.1M | ||
| Q2 25 | $4.9M | $-14.9M | ||
| Q1 25 | $2.3M | $-12.2M | ||
| Q4 24 | $39.0M | $-12.0M | ||
| Q3 24 | $11.9M | $-3.7M | ||
| Q2 24 | $14.6M | $-13.9M | ||
| Q1 24 | $8.2M | $-3.3M |
| Q4 25 | $24.4M | $7.7M | ||
| Q3 25 | $16.2M | $-2.2M | ||
| Q2 25 | $3.8M | $-16.2M | ||
| Q1 25 | $1.6M | $-14.3M | ||
| Q4 24 | $34.9M | $-13.3M | ||
| Q3 24 | $11.9M | $-3.9M | ||
| Q2 24 | $12.8M | $-14.1M | ||
| Q1 24 | $6.0M | $-3.4M |
| Q4 25 | 83.6% | 21.0% | ||
| Q3 25 | 53.2% | -6.1% | ||
| Q2 25 | 13.1% | -42.3% | ||
| Q1 25 | 6.0% | -34.7% | ||
| Q4 24 | 133.2% | -37.5% | ||
| Q3 24 | 46.8% | -9.7% | ||
| Q2 24 | 53.1% | -29.1% | ||
| Q1 24 | 25.2% | -6.7% |
| Q4 25 | 7.5% | 0.0% | ||
| Q3 25 | 0.8% | 0.2% | ||
| Q2 25 | 3.7% | 3.3% | ||
| Q1 25 | 2.8% | 5.3% | ||
| Q4 24 | 15.5% | 3.5% | ||
| Q3 24 | 0.1% | 0.6% | ||
| Q2 24 | 7.3% | 0.5% | ||
| Q1 24 | 9.3% | 0.1% |
| 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.
Revenue Breakdown by Segment
PCB
Segment breakdown not available.
SMRT
| Hosted Services | $18.1M | 50% |
| Hardware Service | $12.5M | 34% |
| Smart Operations Solutions | $2.6M | 7% |
| Access Control | $2.0M | 5% |
| Other Smart Communities Solutions | $1.3M | 3% |
