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Preferred Bank (PFBC)
NASDAQ:PFBC
Earnings Data
Report Date
Apr 21, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
2.57Last Year’s EPS
2.23Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
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.Company Guidance
Strong Full-Year Profitability
Net income for 2025 was $134.0 million ($10.41 per share); Q4 net income was $34.8 million ($2.79 per share). Management states 2025 profitability is among the top tier of the banking industry.
Quarter and Annual Loan Growth
Total loan growth in the quarter was $182 million (over 12% for the quarter). For the full year, loan growth was 7.3%.
Quarter and Annual Deposit Growth
Deposit growth in the quarter was $115 million (7.4% for the quarter). For the full year, deposit growth was 7.2%.
OREO Sales and One-Time Gain
Sold two large OREO properties in Q4 resulting in a net gain reported in noninterest income of $1.8 million (with related GAAP reclassifications reported in noninterest expense).
Improving Loan Demand and 2026 Outlook
Management reports loan demand is getting stronger, is budgeting higher loan growth for 2026 than 2025, and customers indicate an improved outlook for 2026.
Reserve Coverage and Provisioning Actions
Quarterly provision for loan losses was $4.3 million. Management increased certain qualitative (Q) factors (approximately a five basis point adjustment) and reports Q-factor based reserve coverage around 42.5%, which management cites as providing comfort for adequacy of reserves.
Fee Income Baseline
Management indicated Q4 fee income (excluding the one-time OREO gain) would be a reasonable baseline for 2026, though possibly slightly below Q4 excluding the gain; LC fee income was particularly strong in 2025.
Improving Deposit Cost Trend
Cost of deposits showed improvement in December with a month-end cost of 3.17% and deposit costs trending down roughly 6–7 basis points per month; December net interest margin was 3.66% (reflecting full effect of the December rate cut).
PFBC Earnings History
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 |
|---|---|---|---|
Jan 22, 2026 | $99.15 | $92.21 | -7.00% |
Oct 20, 2025 | $85.88 | $90.24 | +5.08% |
Jul 21, 2025 | $91.09 | $95.41 | +4.75% |
Apr 25, 2025 | $83.87 | $78.17 | -6.80% |
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 Apr 21, 2026, After Close (Confirmed).
What is Preferred Bank (PFBC) earnings time?
Preferred Bank (PFBC) earnings time is at Apr 21, 2026, 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 2026 (Q1) is 2.57.