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Side-by-side financial comparison of PCB BANCORP (PCB) and STEM, INC. (STEM). Click either name above to swap in a different company.
STEM, INC. is the larger business by last-quarter revenue ($47.1M vs $29.2M, roughly 1.6× PCB BANCORP). On growth, PCB BANCORP posted the faster year-over-year revenue change (11.3% vs -15.6%). Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% CAGR vs 10.4%).
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.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
PCB vs STEM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $29.2M | $47.1M |
| Net Profit | — | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | 45.0% | -17.7% |
| Net Margin | — | -33.9% |
| Revenue YoY | 11.3% | -15.6% |
| Net Profit YoY | — | 68.8% |
| EPS (diluted) | $0.65 | $-4.40 |
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 | $47.1M | ||
| Q3 25 | $30.4M | $38.2M | ||
| Q2 25 | $29.3M | $38.4M | ||
| Q1 25 | $26.9M | $32.5M | ||
| Q4 24 | $26.2M | $55.8M | ||
| Q3 24 | $25.3M | $29.3M | ||
| Q2 24 | $24.2M | $34.0M | ||
| Q1 24 | $23.9M | $25.5M |
| Q4 25 | — | $-16.0M | ||
| Q3 25 | $11.4M | $-23.8M | ||
| Q2 25 | $9.1M | $202.5M | ||
| Q1 25 | $7.7M | $-25.0M | ||
| Q4 24 | — | $-51.1M | ||
| Q3 24 | $7.8M | $-148.3M | ||
| Q2 24 | $6.3M | $-582.3M | ||
| Q1 24 | $4.7M | $-72.3M |
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
| Q4 25 | 45.0% | -17.7% | ||
| Q3 25 | 52.3% | -33.6% | ||
| Q2 25 | 43.3% | -34.8% | ||
| Q1 25 | 40.2% | -65.0% | ||
| Q4 24 | 39.3% | -84.4% | ||
| Q3 24 | 42.2% | -493.2% | ||
| Q2 24 | 36.3% | -1705.5% | ||
| Q1 24 | 27.2% | -267.0% |
| Q4 25 | — | -33.9% | ||
| Q3 25 | 37.5% | -62.2% | ||
| Q2 25 | 31.0% | 527.8% | ||
| Q1 25 | 28.8% | -76.9% | ||
| Q4 24 | — | -91.6% | ||
| Q3 24 | 30.8% | -506.3% | ||
| Q2 24 | 25.9% | -1712.6% | ||
| Q1 24 | 19.6% | -283.9% |
| Q4 25 | $0.65 | $-4.40 | ||
| Q3 25 | $0.78 | $-2.84 | ||
| Q2 25 | $0.62 | $-1.79 | ||
| Q1 25 | $0.53 | $-0.15 | ||
| Q4 24 | $0.46 | $-15.29 | ||
| Q3 24 | $0.52 | $-18.24 | ||
| Q2 24 | $0.43 | $-71.81 | ||
| Q1 24 | $0.33 | $-0.46 |
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 | $48.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $390.0M | $-249.4M |
| Total Assets | $3.3B | $308.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $207.1M | $48.9M | ||
| Q3 25 | $369.5M | $43.1M | ||
| Q2 25 | $263.6M | $40.8M | ||
| Q1 25 | $214.3M | $58.6M | ||
| Q4 24 | $198.8M | $56.3M | ||
| Q3 24 | $193.1M | $75.4M | ||
| Q2 24 | $177.6M | $89.6M | ||
| Q1 24 | $239.8M | $112.8M |
| Q4 25 | $390.0M | $-249.4M | ||
| Q3 25 | $384.5M | $-235.7M | ||
| Q2 25 | $376.5M | $-214.1M | ||
| Q1 25 | $370.9M | $-417.5M | ||
| Q4 24 | $363.8M | $-398.4M | ||
| Q3 24 | $362.3M | $-344.1M | ||
| Q2 24 | $353.5M | $-203.2M | ||
| Q1 24 | $350.0M | $371.6M |
| Q4 25 | $3.3B | $308.9M | ||
| Q3 25 | $3.4B | $362.6M | ||
| Q2 25 | $3.3B | $379.2M | ||
| Q1 25 | $3.2B | $405.1M | ||
| Q4 24 | $3.1B | $437.4M | ||
| Q3 24 | $2.9B | $537.8M | ||
| Q2 24 | $2.9B | $691.5M | ||
| Q1 24 | $2.9B | $1.3B |
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 | $8.2M |
| 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 | $26.6M | $8.2M | ||
| Q3 25 | $16.4M | $11.4M | ||
| Q2 25 | $4.9M | $-21.3M | ||
| Q1 25 | $2.3M | $8.5M | ||
| Q4 24 | $39.0M | $-14.7M | ||
| Q3 24 | $11.9M | $-9.4M | ||
| Q2 24 | $14.6M | $-11.9M | ||
| Q1 24 | $8.2M | $-621.0K |
| 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 | 0.8% | — | ||
| Q2 25 | 3.7% | — | ||
| Q1 25 | 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× | -0.11× | ||
| 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.
