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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$81.50 - $112.26
Previous CloseN/A
Volume16.29K
Average Volume (3M)81.21K
Market Cap
$1.42B
Enterprise Value$743.12M
Total Cash (Recent Filing)$805.16M
Total Debt (Recent Filing)$383.15M
Price to Earnings (P/E)9.7
Beta0.73
Next Earnings
Jul 22, 2026EPS Estimate
2.65Next 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 Cap0.52
Enterprise Value/Revenue1.47
Enterprise Value/Gross Profit2.66
Enterprise Value/Ebitda3.85
Forecast
1Y Price Target
$107.50Price Target Upside12.31% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)10.7
Revenue Forecast (FY)$295.14M
Bulls Say, Bears Say
Bulls Say
High Profitability And ROESustained TTM net margin near 26.7% and ROE around 17.5% reflect durable earning power for a regional bank. High underlying profitability generates internal capital, supports dividends/buybacks, and provides a buffer to absorb credit losses or cyclical headwinds over the next several months.
Consistent Cash GenerationFree cash flow roughly tracking net income (~0.99x) with operating FCF around $167–169M TTM shows quality earnings and strong cash conversion. Reliable cash generation supports capital allocation, provisioning for problem credits, and shareholder returns without relying on external financing.
Active Credit Remediation And Disciplined Capital AllocationManagement has actively reduced a major problem relationship (loan sales at par, ~50% reduction) while buying back shares and controlling expenses. This demonstrates operational discipline and prioritization of capital deployment and credit remediation, improving structural asset quality and shareholder alignment over coming quarters.
Bears Say
Material Nonaccrual Loan ExposureA concentrated ~$177M nonaccrual relationship is a significant credit-risk overhang. Resolution hinges on sales, bankruptcies or foreclosures, which can stretch over multiple quarters and create earnings volatility, capital pressure, and uncertainty around ultimate loss severity and timing.
Higher Leverage Increases Funding SensitivityLeverage stepping up materially raises sensitivity to rising funding costs and reduces cushion for loan losses. Higher debt-to-equity constrains flexibility for loan growth or opportunistic investments and increases interest-expense variability if deposit or wholesale funding costs move unfavorably.
NIM Pressure And Deposit Repricing RiskA quarter-to-quarter NIM decline and large near-term CD maturities create structural margin risk: maturing CDs and competitive loan pricing limit near-term NIM recovery. If deposit costs remain elevated or new loan yields stay pressured, net interest income and profitability could be constrained for several quarters.
Preferred Bank News
PFBC FAQ
What was Preferred Bank’s price range in the past 12 months?
Preferred Bank lowest stock price was $81.50 and its highest was $112.26 in the past 12 months.
What is Preferred Bank’s market cap?
Preferred Bank’s market cap is $1.42B.
When is Preferred Bank’s upcoming earnings report date?
Preferred Bank’s upcoming earnings report date is Jul 22, 2026 which is in 10 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 $0.8 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 2.65.
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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10
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.
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 offers a wide array of commercial banking products and services throughout the United States. Its primary clients include small and mid-sized businesses and their owners, entrepreneurs, real estate developers and investors, various professionals, and high-net-worth individuals. The institution provides diverse deposit options, such as checking, savings, and money market accounts. They also feature fixed-rate and fixed-maturity certificates of deposit for both retail and non-retail clients, along with individual retirement accounts. On the lending side, Preferred Bank extends real estate mortgage loans secured by a variety of properties, including retail, industrial, office, special purpose, and residential (single and multi-family) assets. They also finance real estate construction projects and offer commercial loans like working capital lines of credit, term loans for capital expenditures, and both commercial and standby letters of credit, in addition to SBA loans. Furthermore, the bank provides extensive trade finance solutions. These encompass commercial and export letters of credit, import lines of credit, international wire transfers, documentary collections, acceptance/trust receipt financing products, export financing, and bills purchase programs. Specialized high-wealth banking services are available for affluent individuals residing in the Pacific Rim region. The bank also supports modern financial management through remote deposit capture, as well as online and mobile banking platforms. Dedicated banking services are provided to professionals such as physicians, accountants, attorneys, and business managers. Manufacturing, service, and distribution companies can benefit from safe deposit boxes, account reconciliation, courier services, and comprehensive cash management solutions. As of December 31, 2021, Preferred Bank operated eleven full-service branch locations across California, including Alhambra, Century City, City of Industry, Torrance, Arcadia, Irvine, Diamond Bar, Pico Rivera, Tarzana, and San Francisco. An additional branch is situated in Flushing, New York. The bank was established in 1991 and maintains its headquarters 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
20.61% Mutual Funds
0.18% Other Institutional Investors
53.34% Public Companies and
Individual Investors