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PFBC Stock Chart & Stats
$102.96
$1.13(1.10%)
At close: 4:00 PM EDT
$102.96
$1.13(1.10%)
Day’s Range― - ―
52-Week Range$81.50 - $112.26
Previous Close$104.09
Volume77.65K
Average Volume (3M)81.21K
Market Cap
$1.40B
Enterprise Value$912.64
Total Cash (Recent Filing)$805.16M
Total Debt (Recent Filing)$383.15M
Price to Earnings (P/E)9.4
Beta0.81
Next Earnings
Oct 21, 2026EPS Estimate
2.7Next Dividend Ex-DateN/A
Dividend Yield3.02%
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$110.50Price Target Upside7.32% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)10.7
Revenue Forecast (FY)$295.14M
Bulls Say, Bears Say
Bulls Say
High Profitability And Margin RecoverySustained high TTM net margin (~26.7%) and a large TTM revenue rebound indicate durable core profitability. Robust margins support return on equity and internal capital generation, allowing the bank to absorb cyclical headwinds and fund growth, dividends, or reserves without immediate external capital.
Strong Cash Generation And ConversionFree cash flow nearly equals net income (~0.99x) with stable operating cash of ~$167–169M TTM, signaling high earnings quality. Reliable cash conversion underpins shareholder returns, supports provisioning and legal costs, and provides flexibility for buybacks or reinvestment over the coming months.
Improving Asset Quality And Active Loan OriginationMaterial reduction in NPAs and criticized loans, combined with QoQ loan growth and a visible origination pipeline, signals improving credit trends. Lower problem assets reduce provisioning needs and free capital, while active lending demonstrates franchise resilience and demand for core commercial products.
Bears Say
Higher Leverage Vs. Historical NormsA meaningful step-up in leverage increases sensitivity to funding and interest-rate shifts and reduces balance-sheet flexibility. Elevated debt-to-equity raises refinancing and covenant risks and could constrain capital actions or require higher earnings retention if funding conditions worsen over the medium term.
Concentrated CD Maturities And Deposit Cost PressureLarge near-term CD maturities create a structural funding rollover risk; repricing higher will lift deposit costs and compress net interest margin if not offset by higher loan yields or cheaper deposits. This elevates short-to-medium term earnings sensitivity to deposit market dynamics.
Competitive Loan Pricing And Margin CompressionAggressive pricing from non-bank and private lenders and management's guidance of lower NIM indicate sustained pressure on yields. If deposit costs rise simultaneously, the bank may face prolonged margin squeeze, forcing trade-offs between volume, pricing or credit controls that can erode net interest income.
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 $1.40B.
When is Preferred Bank’s upcoming earnings report date?
Preferred Bank’s upcoming earnings report date is Oct 21, 2026 which is in 79 days.
How were Preferred Bank’s earnings last quarter?
Preferred Bank released its earnings results on Jul 22, 2026. The company reported $2.78 earnings per share for the quarter, beating the consensus estimate of $2.652 by $0.128.
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 3.02%. See more information on Preferred Bank dividends here
What is Preferred Bank’s EPS estimate?
Preferred Bank’s EPS estimate is 2.7.
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 $2.78 in its last earnings report, beating expectations of $2.652. Following the earnings report the stock price went down -1.084%.
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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5
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7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$110.50 (7.32% Upside)
$110.50 (7.32% Upside)
Blogger Sentiment
Neutral
PFBC Sentiment 50%
Sector Average ―
Sector Average ―
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
3.02%
Trailing 12-Months
Asset Growth
6.21%
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
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented several positive operational and credit developments—notably strong net income, significant reductions in nonperforming and criticized loans, solid loan origination, and stable efficiency—while also acknowledging tangible headwinds: stiff deposit competition, deposit cost pressure (including large upcoming CD repricing), elevated legal/ professional expenses, and anticipated margin compression. Overall the positives (profitability, credit improvement, active pipeline) modestly outweigh the negatives, though management expects continued vigilance on funding and pricing.View all PFBC earnings summariesPFBC Stock 12 Month Forecast
Average Price Target
$110.50
▲(7.32% Upside)
Technical Analysis
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Ownership Overview
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Insiders
20.61% Mutual Funds
1.13% Other Institutional Investors
52.40% Public Companies and
Individual Investors