The earnings call highlighted several areas of improvement, including net income growth, loan growth, and asset quality, alongside strategic stock buybacks and branch expansions. However, challenges remain with flat deposit growth, unresolved OREO properties, and ongoing economic uncertainty affecting client confidence.

Company Guidance -

Q3 2025

During the Preferred Bank Second Quarter 2025 Earnings Conference Call, Li Yu, the Chairman and CEO, reported a net income of $32.8 million, or $2.52 per share, marking an improvement from the previous quarter. The bank experienced a 7% annualized loan growth, while deposits remained flat, partly due to efforts in controlling deposit costs. The net interest margin increased to 3.85% from 3.75% in the prior quarter. The bank also repurchased $56 million worth of stock at approximately $80-$81 per share, which affected net interest income and margin. Asset quality improved with reductions in nonaccrual, criticized, and past due loans, indicating a positive trend into the year's second half. The bank's management expressed cautious optimism about loan demand and economic conditions, acknowledging uncertainties due to tariffs, industry dynamics, and inflation.

Improved Net Income

Net income for the second quarter was $32.8 million or $2.52 a share, showing reasonable improvement from the previous quarter.

Loan Growth

Loan growth was approximately 7% on an annualized basis for the quarter, with early indications of increased loan demand in July.

Net Interest Margin Increase

Net interest margin increased to 3.85% from 3.75% in the previous quarter.

Asset Quality Improvement

Nonaccrual loans, criticized loans, and past due loans decreased from the previous quarter, with no additional loss content identified.

Large Stock Buyback

The bank conducted a relatively large stock buyback of $56 million.

New Branch Expansion

The Manhattan branch is performing well, and a new branch in Silicon Valley is planned for the second half of the year.

Preferred Bank (PFBC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

PFBC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 15, 2025	2025 (Q3)	2.57 / -	2.46	―	―	―
Jul 21, 2025	2025 (Q2)	2.43 / 2.52	2.48	1.61% (+0.04)	―
Apr 25, 2025	2025 (Q1)	2.34 / 2.23	2.44	-8.61% (-0.21)	―
Jan 27, 2025	2024 (Q4)	2.39 / 2.57	2.6	-1.04% (-0.03)	―
Oct 21, 2024	2024 (Q3)	2.37 / 2.46	2.71	-9.23% (-0.25)	―
Jul 25, 2024	2024 (Q2)	2.39 / 2.48	2.61	-4.98% (-0.13)	―
Apr 23, 2024	2024 (Q1)	2.38 / 2.44	2.866	-14.86% (-0.43)	―
Jan 24, 2024	2023 (Q4)	2.54 / 2.60	2.71	-4.06% (-0.11)	―
Oct 17, 2023	2023 (Q3)	2.56 / 2.71	2.4	12.92% (+0.31)	―
Jul 19, 2023	2023 (Q2)	2.45 / 2.61	1.87	39.57% (+0.74)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

PFBC Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 21, 2025	$92.61	$97.01	+4.75%
Apr 25, 2025	$85.28	$79.47	-6.81%
Jan 27, 2025	$85.00	$86.09	+1.28%
Oct 21, 2024	$81.11	$79.46	-2.03%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Preferred Bank (PFBC) report earnings?

Preferred Bank (PFBC) is schdueled to report earning on Oct 15, 2025, After Close (Confirmed).

What is Preferred Bank (PFBC) earnings time?

Preferred Bank (PFBC) earnings time is at Oct 15, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is PFBC EPS forecast?

PFBC EPS forecast for the fiscal quarter 2025 (Q3) is 2.57.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing