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Side-by-side financial comparison of PCB BANCORP (PCB) and YORK WATER CO (YORW). Click either name above to swap in a different company.
PCB BANCORP is the larger business by last-quarter revenue ($29.2M vs $19.4M, roughly 1.5× YORK WATER CO). On growth, PCB BANCORP posted the faster year-over-year revenue change (11.3% vs 3.2%). Over the past eight quarters, PCB BANCORP's revenue compounded faster (10.4% CAGR vs 5.1%).
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.
The York Water Company is an investor-owned, public utility company based in York, Pennsylvania and operating throughout Pennsylvania. The company was founded in 1816 by a group of local businessmen concerned about fire protection.
PCB vs YORW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $29.2M | $19.4M |
| Net Profit | — | $5.2M |
| Gross Margin | — | — |
| Operating Margin | 45.0% | 33.2% |
| Net Margin | — | 26.7% |
| Revenue YoY | 11.3% | 3.2% |
| Net Profit YoY | — | 0.5% |
| EPS (diluted) | $0.65 | $0.36 |
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 | $19.4M | ||
| Q3 25 | $30.4M | $20.2M | ||
| Q2 25 | $29.3M | $19.1M | ||
| Q1 25 | $26.9M | $18.3M | ||
| Q4 24 | $26.2M | $18.8M | ||
| Q3 24 | $25.3M | $19.6M | ||
| Q2 24 | $24.2M | $18.6M | ||
| Q1 24 | $23.9M | $17.5M |
| Q4 25 | — | $5.2M | ||
| Q3 25 | $11.4M | $6.2M | ||
| Q2 25 | $9.1M | $5.1M | ||
| Q1 25 | $7.7M | $3.6M | ||
| Q4 24 | — | $5.1M | ||
| Q3 24 | $7.8M | $5.9M | ||
| Q2 24 | $6.3M | $5.0M | ||
| Q1 24 | $4.7M | $4.3M |
| Q4 25 | 45.0% | 33.2% | ||
| Q3 25 | 52.3% | 39.1% | ||
| Q2 25 | 43.3% | 37.1% | ||
| Q1 25 | 40.2% | 34.3% | ||
| Q4 24 | 39.3% | 35.8% | ||
| Q3 24 | 42.2% | 41.1% | ||
| Q2 24 | 36.3% | 37.9% | ||
| Q1 24 | 27.2% | 35.5% |
| Q4 25 | — | 26.7% | ||
| Q3 25 | 37.5% | 30.6% | ||
| Q2 25 | 31.0% | 26.5% | ||
| Q1 25 | 28.8% | 19.8% | ||
| Q4 24 | — | 27.4% | ||
| Q3 24 | 30.8% | 29.9% | ||
| Q2 24 | 25.9% | 26.8% | ||
| Q1 24 | 19.6% | 24.7% |
| Q4 25 | $0.65 | $0.36 | ||
| Q3 25 | $0.78 | $0.43 | ||
| Q2 25 | $0.62 | $0.35 | ||
| Q1 25 | $0.53 | $0.25 | ||
| Q4 24 | $0.46 | $0.36 | ||
| Q3 24 | $0.52 | $0.41 | ||
| Q2 24 | $0.43 | $0.35 | ||
| Q1 24 | $0.33 | $0.30 |
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 | $1.0K |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $390.0M | $240.3M |
| Total Assets | $3.3B | $680.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $207.1M | $1.0K | ||
| Q3 25 | $369.5M | $1.0K | ||
| Q2 25 | $263.6M | $1.0K | ||
| Q1 25 | $214.3M | $1.0K | ||
| Q4 24 | $198.8M | $1.0K | ||
| Q3 24 | $193.1M | $1.0K | ||
| Q2 24 | $177.6M | $1.0K | ||
| Q1 24 | $239.8M | $3.3M |
| Q4 25 | $390.0M | $240.3M | ||
| Q3 25 | $384.5M | $238.0M | ||
| Q2 25 | $376.5M | $234.6M | ||
| Q1 25 | $370.9M | $232.1M | ||
| Q4 24 | $363.8M | $231.2M | ||
| Q3 24 | $362.3M | $228.7M | ||
| Q2 24 | $353.5M | $225.4M | ||
| Q1 24 | $350.0M | $222.9M |
| Q4 25 | $3.3B | $680.9M | ||
| Q3 25 | $3.4B | $667.1M | ||
| Q2 25 | $3.3B | $653.7M | ||
| Q1 25 | $3.2B | $641.8M | ||
| Q4 24 | $3.1B | $633.5M | ||
| Q3 24 | $2.9B | $621.4M | ||
| Q2 24 | $2.9B | $610.4M | ||
| Q1 24 | $2.9B | $602.3M |
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 | $8.4M |
| Free Cash FlowOCF − Capex | $24.4M | — |
| FCF MarginFCF / Revenue | 83.6% | — |
| Capex IntensityCapex / Revenue | 7.5% | — |
| Cash ConversionOCF / Net Profit | — | 1.63× |
| TTM Free Cash FlowTrailing 4 quarters | $46.0M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $26.6M | $8.4M | ||
| Q3 25 | $16.4M | $7.8M | ||
| Q2 25 | $4.9M | $7.6M | ||
| Q1 25 | $2.3M | $6.0M | ||
| Q4 24 | $39.0M | $10.2M | ||
| Q3 24 | $11.9M | $7.5M | ||
| Q2 24 | $14.6M | $6.7M | ||
| Q1 24 | $8.2M | $6.1M |
| 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 | — | 1.63× | ||
| Q3 25 | 1.44× | 1.26× | ||
| Q2 25 | 0.54× | 1.50× | ||
| Q1 25 | 0.30× | 1.65× | ||
| Q4 24 | — | 1.98× | ||
| Q3 24 | 1.52× | 1.29× | ||
| Q2 24 | 2.33× | 1.34× | ||
| Q1 24 | 1.76× | 1.42× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
