Preferred Bank (PFBC)
NASDAQ:PFBC
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PFBC Stock Chart & Stats
$95.72
-$0.90(-1.05%)
At close: 4:00 PM EST
$95.72
-$0.90(-1.05%)
Day’s Range― - ―
52-Week Range$79.60 - $103.05
Previous CloseN/A
Volume16.29K
Average Volume (3M)81.21K
Market Cap
$1.27B
Enterprise Value$700.25M
Total Cash (Recent Filing)$805.16M
Total Debt (Recent Filing)$383.15M
Price to Earnings (P/E)8.8
Beta0.77
Next Earnings
Jul 22, 2026EPS Estimate
2.64Next Dividend Ex-DateN/A
Dividend Yield2.99%
Share Statistics
EPS (TTM)10.93
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/Revenue1.39
Enterprise Value/Gross Profit2.50
Enterprise Value/Ebitda3.64
Forecast
1Y Price Target
$107.50Price Target Upside12.31% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)10.53
Revenue Forecast (FY)$293.29M
Bulls Say, Bears Say
Bulls Say
High Profitability & MarginsSustained high TTM net margin (~26.7%) and a sharp TTM revenue rebound (+45.7%) indicate durable operating efficiency and pricing power in core commercial/CRE lending. These fundamentals support earnings resilience, provision absorption and internal capital generation over the next several quarters.
Strong Cash GenerationFree cash flow roughly tracking net income (~0.99x) and steady operating cash (~$167–169M TTM) point to high earnings quality and consistent internal liquidity. That cash conversion supports dividends, buybacks and loss absorption without near-term reliance on external funding.
Active Credit Remediation & Capital ActionsManagement has actively reduced a material troubled relationship by about half through loan sales and is returning capital via share repurchases. Persistent remediation and disciplined capital deployment improve long-term asset quality and align incentives for steady shareholder returns.
Bears Say
Material Nonperforming Loan ExposureA single nine‑loan nonaccrual grouping of roughly $177M is material to the loan portfolio and creates protracted resolution risk. Bankruptcy, foreclosure or sale outcomes may take months and could produce additional charge-offs or provisioning pressure that dents earnings and capital.
Elevated Leverage Versus HistoryLeverage stepped up meaningfully (debt/equity ~0.50 vs ~0.22–0.29 prior years), increasing sensitivity to funding-cost shifts and reducing balance-sheet flexibility. Higher leverage can amplify the impact of credit losses or slower deposit repricing over the coming quarters.
NIM Compression & Funding Repricing RiskQuarterly NIM declined and a large CD book ($1.35B at ~3.89%) faces near-term repricing while deposit-cost relief is slowing. Combined with competitive loan pricing, this structural funding pressure can compress net interest margins and constrain earnings for multiple quarters.
Preferred Bank News
PFBC FAQ
What was Preferred Bank’s price range in the past 12 months?
Preferred Bank lowest stock price was $79.60 and its highest was $103.05 in the past 12 months.
What is Preferred Bank’s market cap?
Preferred Bank’s market cap is $1.27B.
When is Preferred Bank’s upcoming earnings report date?
Preferred Bank’s upcoming earnings report date is Jul 22, 2026 which is in 57 days.
How were Preferred Bank’s earnings last quarter?
Preferred Bank released its earnings results on Apr 22, 2026. The company reported $2.53 earnings per share for the quarter, beating the consensus estimate of $2.46 by $0.07.
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 2.64.
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 $2.53 in its last earnings report, beating expectations of $2.46. Following the earnings report the stock price went down -0.457%.
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
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Analyst Consensus
Moderate Buy
Average Price Target:
$107.50 (12.31% Upside)
$107.50 (12.31% Upside)
Hedge Fund Trend
Increased
By 5.9K 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
17.48%
Trailing 12-Months
Asset Growth
7.81%
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
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call presents a mixed picture: solid first-quarter profitability, active capital deployment (share repurchase), controlled expenses, and meaningful progress reducing a large nonperforming relationship are positives. However, a material nonaccrual exposure (~$177M), a quarter-to-quarter NIM decline (~17 bps) driven by a nonrecurring interest reversal, sustained competitive pricing pressure, slower deposit-cost relief, and macro/geopolitical uncertainty temper the outlook. Management expects some margin normalization in Q2 and continues active remediation of problem assets, but near-term uncertainty remains.View all PFBC earnings summariesPFBC Stock 12 Month Forecast
Average Price Target
$107.50
▲(12.31% Upside)
Technical Analysis
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Ownership Overview
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Insiders
23.92% Mutual Funds
16.72% Other Institutional Investors
34.61% Public Companies and
Individual Investors