vs
Side-by-side financial comparison of PCB BANCORP (PCB) and Zeo Energy Corp. (ZEO). Click either name above to swap in a different company.
PCB BANCORP is the larger business by last-quarter revenue ($29.2M vs $18.6M, roughly 1.6× Zeo Energy Corp.). On growth, PCB BANCORP posted the faster year-over-year revenue change (11.3% vs -0.4%). PCB BANCORP produced more free cash flow last quarter ($24.4M vs $2.3M). Over the past eight quarters, PCB BANCORP's revenue compounded faster (10.4% CAGR vs -4.0%).
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.
PCB vs ZEO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $29.2M | $18.6M |
| Net Profit | — | $-2.0M |
| Gross Margin | — | — |
| Operating Margin | 45.0% | -11.8% |
| Net Margin | — | -10.8% |
| Revenue YoY | 11.3% | -0.4% |
| Net Profit YoY | — | -360.9% |
| EPS (diluted) | $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 | $29.2M | $18.6M | ||
| Q3 25 | $30.4M | $23.9M | ||
| Q2 25 | $29.3M | $18.1M | ||
| Q1 25 | $26.9M | $8.8M | ||
| Q4 24 | $26.2M | $18.6M | ||
| Q3 24 | $25.3M | $19.7M | ||
| Q2 24 | $24.2M | $14.8M | ||
| Q1 24 | $23.9M | $20.1M |
| Q4 25 | — | $-2.0M | ||
| Q3 25 | $11.4M | $-3.2M | ||
| Q2 25 | $9.1M | $-2.4M | ||
| Q1 25 | $7.7M | $-6.4M | ||
| Q4 24 | — | $-435.3K | ||
| Q3 24 | $7.8M | $-424.3K | ||
| Q2 24 | $6.3M | $-277.8K | ||
| Q1 24 | $4.7M | $-1.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | 57.9% | ||
| Q2 25 | — | 59.8% | ||
| Q1 25 | — | 99.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 50.2% | ||
| Q2 24 | — | 52.3% | ||
| Q1 24 | — | — |
| Q4 25 | 45.0% | -11.8% | ||
| Q3 25 | 52.3% | -8.3% | ||
| Q2 25 | 43.3% | -15.8% | ||
| Q1 25 | 40.2% | -153.8% | ||
| Q4 24 | 39.3% | -6.0% | ||
| Q3 24 | 42.2% | -15.2% | ||
| Q2 24 | 36.3% | -18.0% | ||
| Q1 24 | 27.2% | -20.1% |
| Q4 25 | — | -10.8% | ||
| Q3 25 | 37.5% | -13.5% | ||
| Q2 25 | 31.0% | -13.3% | ||
| Q1 25 | 28.8% | -72.4% | ||
| Q4 24 | — | -2.3% | ||
| Q3 24 | 30.8% | -2.2% | ||
| Q2 24 | 25.9% | -1.9% | ||
| Q1 24 | 19.6% | -7.6% |
| Q4 25 | $0.65 | — | ||
| Q3 25 | $0.78 | — | ||
| Q2 25 | $0.62 | — | ||
| Q1 25 | $0.53 | $-0.48 | ||
| Q4 24 | $0.46 | $1.11 | ||
| Q3 24 | $0.52 | $-0.08 | ||
| Q2 24 | $0.43 | $0.03 | ||
| Q1 24 | $0.33 | $-1.54 |
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 | $6.1M |
| Total DebtLower is stronger | — | $79.1K |
| Stockholders' EquityBook value | $390.0M | $5.3M |
| Total Assets | $3.3B | $56.9M |
| Debt / EquityLower = less leverage | — | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $207.1M | $6.1M | ||
| Q3 25 | $369.5M | $3.9M | ||
| Q2 25 | $263.6M | $68.7K | ||
| Q1 25 | $214.3M | $2.9M | ||
| Q4 24 | $198.8M | $5.6M | ||
| Q3 24 | $193.1M | $4.3M | ||
| Q2 24 | $177.6M | $5.3M | ||
| Q1 24 | $239.8M | — |
| Q4 25 | — | $79.1K | ||
| Q3 25 | — | $84.6K | ||
| Q2 25 | — | $642.8K | ||
| Q1 25 | — | $715.4K | ||
| Q4 24 | — | $787.7K | ||
| Q3 24 | — | $858.6K | ||
| Q2 24 | — | $1.6M | ||
| Q1 24 | — | $748.8K |
| Q4 25 | $390.0M | $5.3M | ||
| Q3 25 | $384.5M | $-1.7M | ||
| Q2 25 | $376.5M | $-59.4M | ||
| Q1 25 | $370.9M | $-23.1M | ||
| Q4 24 | $363.8M | $-88.9M | ||
| Q3 24 | $362.3M | $-39.3M | ||
| Q2 24 | $353.5M | $-53.0M | ||
| Q1 24 | $350.0M | $-173.0M |
| Q4 25 | $3.3B | $56.9M | ||
| Q3 25 | $3.4B | $58.5M | ||
| Q2 25 | $3.3B | $46.2M | ||
| Q1 25 | $3.2B | $47.4M | ||
| Q4 24 | $3.1B | $61.0M | ||
| Q3 24 | $2.9B | $47.1M | ||
| Q2 24 | $2.9B | $49.1M | ||
| Q1 24 | $2.9B | $50.1M |
| Q4 25 | — | 0.01× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $2.4M |
| Free Cash FlowOCF − Capex | $24.4M | $2.3M |
| FCF MarginFCF / Revenue | 83.6% | 12.2% |
| Capex IntensityCapex / Revenue | 7.5% | 0.9% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $46.0M | $-9.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $26.6M | $2.4M | ||
| Q3 25 | $16.4M | $-6.6M | ||
| Q2 25 | $4.9M | $-2.3M | ||
| Q1 25 | $2.3M | $-2.3M | ||
| Q4 24 | $39.0M | $3.5M | ||
| Q3 24 | $11.9M | $162.2K | ||
| Q2 24 | $14.6M | $-2.2M | ||
| Q1 24 | $8.2M | $-10.2M |
| Q4 25 | $24.4M | $2.3M | ||
| Q3 25 | $16.2M | $-6.8M | ||
| Q2 25 | $3.8M | $-2.7M | ||
| Q1 25 | $1.6M | $-2.6M | ||
| Q4 24 | $34.9M | $3.4M | ||
| Q3 24 | $11.9M | $116.5K | ||
| Q2 24 | $12.8M | $-2.3M | ||
| Q1 24 | $6.0M | $-10.4M |
| Q4 25 | 83.6% | 12.2% | ||
| Q3 25 | 53.2% | -28.6% | ||
| Q2 25 | 13.1% | -15.0% | ||
| Q1 25 | 6.0% | -30.0% | ||
| Q4 24 | 133.2% | 18.2% | ||
| Q3 24 | 46.8% | 0.6% | ||
| Q2 24 | 53.1% | -15.6% | ||
| Q1 24 | 25.2% | -51.5% |
| Q4 25 | 7.5% | 0.9% | ||
| Q3 25 | 0.8% | 1.0% | ||
| Q2 25 | 3.7% | 2.4% | ||
| Q1 25 | 2.8% | 4.2% | ||
| Q4 24 | 15.5% | 0.5% | ||
| Q3 24 | 0.1% | 0.2% | ||
| Q2 24 | 7.3% | 0.7% | ||
| Q1 24 | 9.3% | 1.1% |
| 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.
ZEO
| Nonrelated Party | $18.1M | 98% |
| Related Party | $432.1K | 2% |
