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Preferred Bank (PFBC)
NASDAQ:PFBC
PFBC Stock Chart & Stats
$88.99
-$0.90(-1.05%)
At close: 4:00 PM EST
$88.99
-$0.90(-1.05%)
Day’s Range― - ―
52-Week Range$71.90 - $103.05
Previous CloseN/A
Volume16.29K
Average Volume (3M)81.21K
Market Cap
$1.19B
Enterprise Value$660.61M
Total Cash (Recent Filing)$807.10M
Total Debt (Recent Filing)$383.81M
Price to Earnings (P/E)8.9
Beta0.79
Next Earnings
Apr 21, 2026EPS Estimate
2.56Next Dividend Ex-DateN/A
Dividend Yield2.99%
Share Statistics
EPS (TTM)2.79
Shares Outstanding13,392,737
10 Day Avg. Volume83,173
30 Day Avg. Volume81,213
Financial Highlights & Ratios
PEG Ratio1.08
Price to Book (P/B)1.51
Price to Sales (P/S)2.38
P/FCF Ratio7.13
Enterprise Value/Market Cap0.55
Enterprise Value/Revenue1.31
Enterprise Value/Gross Profit2.38
Enterprise Value/Ebitda3.46
Forecast
1Y Price Target
$102.00Price Target Upside14.62% Upside
Rating ConsensusHold
Number of Analyst Covering4
EPS Forecast (FY)10.37
Revenue Forecast (FY)$294.29M
Bulls Say, Bears Say
Bulls Say
Profitability & Cash GenerationSustained high margins and near‑par free cash flow conversion indicate durable earnings quality. Strong FCF growth supports internal funding for loan growth, reserves, and shareholder returns, providing a structural buffer through economic cycles and limiting reliance on external financing.
Consistent Loan & Deposit GrowthRepeatable quarter and annual loan/deposit expansions show durable franchise traction with businesses and consumers. Steady funding growth supports scale in interest income and liquidity, reducing reliance on wholesale funding and enhancing long‑term net interest income potential.
Improving Loan Demand & Reserve CoverageManagement forecasts rising loan demand and budgets higher loan growth, which aligns with a predominantly floating loan book. Elevated reserve coverage provides a structural cushion for credit volatility, supporting prudent credit economics as lending expands over the medium term.
Bears Say
Margin Pressure & Deposit CostsPersistent deposit pricing and Fed rate cut impacts create durable NIM headwinds. Large CD rollovers and a high deposit beta mean funding repricing will erode spread income over multiple quarters, pressuring core profitability unless loan yields or funding mix materially improve.
Asset Quality & Concentration RiskA material classified relationship and recent nonaccrual increase signal concentrated credit risk. Protracted workouts, litigation, or further downgrades could require higher provisions, reducing earnings and capital flexibility and creating multi‑quarter uncertainty around asset quality.
Rising LeverageA meaningful jump in leverage diminishes financial flexibility and increases sensitivity to funding stress. Higher debt levels constrain capital deployment decisions, may limit buybacks or opportunistic M&A, and raise the importance of maintaining strong earnings and reserves to preserve capital ratios.
Preferred Bank News
PFBC FAQ
What was Preferred Bank’s price range in the past 12 months?
Preferred Bank lowest stock price was $71.90 and its highest was $103.05 in the past 12 months.
What is Preferred Bank’s market cap?
Preferred Bank’s market cap is $1.19B.
When is Preferred Bank’s upcoming earnings report date?
Preferred Bank’s upcoming earnings report date is Apr 21, 2026 which is in 28 days.
How were Preferred Bank’s earnings last quarter?
Preferred Bank released its earnings results on Jan 22, 2026. The company reported $2.79 earnings per share for the quarter, beating the consensus estimate of $2.734 by $0.056.
Is Preferred Bank overvalued?
According to Wall Street analysts Preferred Bank’s price is currently Undervalued.
Does Preferred Bank pay dividends?
Preferred Bank pays a Quarterly dividend of $0.75 which represents an annual dividend yield of 2.99%. See more information on Preferred Bank dividends here
What is Preferred Bank’s EPS estimate?
Preferred Bank’s EPS estimate is 2.56.
How many shares outstanding does Preferred Bank have?
Preferred Bank has 13,392,737 shares outstanding.
What happened to Preferred Bank’s price movement after its last earnings report?
Preferred Bank reported an EPS of $2.79 in its last earnings report, beating expectations of $2.734. Following the earnings report the stock price went down -6.999%.
Which hedge fund is a major shareholder of Preferred Bank?
Currently, no hedge funds are holding shares in PFBC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Preferred Bank Stock Smart Score
Neutral
1
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3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$102.00 (14.62% Upside)
$102.00 (14.62% Upside)
Hedge Fund Trend
Decreased
By 205.0 Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
3.86%
12-Months-Change
Fundamentals
Return on Equity
16.91%
Trailing 12-Months
Asset Growth
6.31%
Trailing 12-Months
Company Description
Preferred Bank
Preferred Bank provides various commercial banking products and services to small and mid-sized businesses and their owners, entrepreneurs, real estate developers and investors, professionals, and high net worth individuals in the United States. The company accepts checking, savings, and money market deposit accounts; fixed-rate and fixed maturity retail, and non-retail certificates of deposit; and individual retirement accounts. It also provides real estate mortgage loans that are secured by retail, industrial, office, special purpose, and residential single and multi-family properties; real estate construction loans; and commercial loans comprising lines of credit for working capital, term loans for capital expenditures, and commercial and stand-by letters of credit; and SBA loans. In addition, the company offers trade finance services, including commercial and export letters of credit, import lines of credit, documentary collections, international wire transfers, acceptances/trust receipt financing products, export financing, documentary collections, and bills purchase programs. Further, it provides various high-wealth banking services to wealthy individuals residing in the Pacific Rim area; and remote deposit capture, and online and mobile banking services. Additionally, the company offers various banking services to physicians, accountants, attorneys, business managers, and other professionals; and safe deposit boxes, account reconciliation, courier service, and cash management services to the manufacturing, service, and distribution companies. As of December 31, 2021, it had eleven full-service branch offices in Alhambra, Century City, City of Industry, Torrance, Arcadia, Irvine, Diamond Bar, Pico Rivera, Tarzana, and San Francisco; and one branch in Flushing, New York. The company was incorporated in 1991 and is headquartered in Los Angeles, California.
PFBC Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call presents a mix of clear strengths—strong full‑year earnings, solid loan and deposit growth, successful one‑time OREO monetizations, and management optimism for 2026—alongside meaningful challenges: margin pressure from rate cuts combined with still‑high deposit costs, a material classified loan relationship that increased criticized assets and includes payment slowdowns and litigation exposure, and modestly higher provisioning/expense variability. Management expects to resolve classified loan issues within a couple of quarters, is budgeting for higher loan growth in 2026, and reports substantial reserve coverage, but the credit issue and margin dynamics temper the near‑term outlook.View all PFBC earnings summariesPFBC Stock 12 Month Forecast
Average Price Target
$102.00
▲(14.62% Upside)
Technical Analysis
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Ownership Overview
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Insiders
21.00% Mutual Funds
12.52% Other Institutional Investors
41.65% Public Companies and
Individual Investors