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STOCKS

Preferred Bank (PFBC)

NASDAQ:PFBC

PFBC

Preferred Bank

RESEARCH TOOLSreports

Preferred Bank (PFBC) Ratios

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Preferred Bank Ratios

PFBC's free cash flow for Q4 2025 was $0.54. For the 2025 fiscal year, PFBC's free cash flow was decreased by $ and operating cash flow was $0.38. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.29	0.29	0.14	0.22	0.22
Quick Ratio	0.29	0.29	0.14	0.22	0.22
Cash Ratio	0.28	0.28	0.13	0.16	0.13
Solvency Ratio	0.02	0.02	0.02	0.03	0.02
Operating Cash Flow Ratio	0.06	0.06	0.03	0.03	0.03
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -5.95B	$ -5.95B	$ -5.36B	$ -4.72B	$ -4.60B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.06	0.02	0.03	0.03
Debt-to-Equity Ratio	0.53	0.53	0.22	0.24	0.27
Debt-to-Capital Ratio	0.35	0.35	0.18	0.19	0.21
Long-Term Debt-to-Capital Ratio	0.33	0.33	0.16	0.18	0.19
Financial Leverage Ratio	9.63	9.63	9.07	9.58	10.19
Debt Service Coverage Ratio	0.63	0.62	0.56	0.80	2.78
Interest Coverage Ratio	0.88	0.88	0.78	1.12	3.81
Debt to Market Cap	0.35	0.32	0.13	0.14	0.14
Interest Debt Per Share	51.97	50.38	30.11	25.30	14.81
Net Debt to EBITDA	-2.14	-2.15	-3.22	-3.42	-3.20
Profitability Margins
Gross Profit Margin	55.28%	54.97%	52.24%	58.77%	81.96%
EBIT Margin	37.72%	37.98%	35.36%	43.56%	59.45%
EBITDA Margin	37.99%	37.98%	35.78%	43.92%	60.08%
Operating Profit Margin	37.72%	37.98%	35.36%	43.72%	59.45%
Pretax Profit Margin	37.72%	37.98%	35.36%	43.56%	59.45%
Net Profit Margin	26.59%	26.78%	25.11%	31.14%	42.75%
Continuous Operations Profit Margin	26.59%	26.78%	25.11%	31.14%	42.75%
Net Income Per EBT	70.50%	70.50%	71.00%	71.50%	71.90%
EBT Per EBIT	100.00%	100.00%	100.00%	99.63%	100.00%
Return on Assets (ROA)	1.76%	1.76%	1.89%	2.25%	2.01%
Return on Equity (ROE)	17.29%	16.93%	17.12%	21.59%	20.44%
Return on Capital Employed (ROCE)	4.05%	4.05%	18.59%	22.56%	20.70%
Return on Invested Capital (ROIC)	2.86%	2.86%	13.20%	16.13%	14.88%
Return on Tangible Assets	1.76%	1.76%	1.89%	2.25%	2.01%
Earnings Yield	12.33%	11.24%	11.33%	14.57%	11.84%
Efficiency Ratios
Receivables Turnover	14.71	14.61	14.55	13.28	12.78
Payables Turnover	0.00	0.00	15.05	12.32	20.85
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	13.02	12.93	24.04	15.18	9.81
Asset Turnover	0.07	0.07	0.08	0.07	0.05
Working Capital Turnover Ratio	-0.13	-0.14	-0.11	-0.11	-0.07
Cash Conversion Cycle	24.81	24.98	0.82	-2.14	11.06
Days of Sales Outstanding	24.81	24.98	25.08	27.49	28.57
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	24.25	29.63	17.51
Operating Cycle	24.81	24.98	25.08	27.49	28.57
Cash Flow Ratios
Operating Cash Flow Per Share	13.54	13.13	12.33	12.44	9.86
Free Cash Flow Per Share	13.43	13.02	12.26	12.27	9.84
CapEx Per Share	0.11	0.11	0.07	0.17	0.02
Free Cash Flow to Operating Cash Flow	0.99	0.99	0.99	0.99	1.00
Dividend Paid and CapEx Coverage Ratio	4.17	4.17	4.28	5.23	5.64
Capital Expenditure Coverage Ratio	122.37	122.37	179.03	72.63	403.81
Operating Cash Flow Coverage Ratio	0.39	0.39	0.99	1.04	0.85
Operating Cash Flow to Sales Ratio	0.33	0.33	0.32	0.36	0.48
Free Cash Flow Yield	15.15%	13.79%	14.19%	16.80%	13.18%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.11	8.90	8.82	6.86	8.44
Price-to-Sales (P/S) Ratio	2.15	2.38	2.22	2.14	3.61
Price-to-Book (P/B) Ratio	1.37	1.51	1.51	1.48	1.73
Price-to-Free Cash Flow (P/FCF) Ratio	6.60	7.25	7.05	5.95	7.59
Price-to-Operating Cash Flow Ratio	6.55	7.19	7.01	5.87	7.57
Price-to-Earnings Growth (PEG) Ratio	1.46	1.08	-1.12	0.34	0.22
Price-to-Fair Value	1.37	1.51	1.51	1.48	1.73
Enterprise Value Multiple	3.53	4.12	2.97	1.45	2.81
Enterprise Value	674.10M	781.10M	552.86M	306.86M	509.30M
EV to EBITDA	3.53	4.12	2.97	1.45	2.81
EV to Sales	1.34	1.57	1.06	0.64	1.69
EV to Free Cash Flow	4.11	4.76	3.38	1.77	3.55
EV to Operating Cash Flow	4.08	4.72	3.36	1.75	3.54
Tangible Book Value Per Share	64.66	62.69	57.18	49.31	43.24
Shareholders’ Equity Per Share	64.66	62.69	57.18	49.31	43.24
Tax and Other Ratios
Effective Tax Rate	0.29	0.29	0.29	0.29	0.28
Revenue Per Share	41.16	39.62	38.99	34.18	20.68
Net Income Per Share	10.94	10.61	9.79	10.64	8.84
Tax Burden	0.71	0.71	0.71	0.71	0.72
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.12	0.13	0.10	0.11	0.16
Stock-Based Compensation to Revenue	0.02	0.00	0.02	0.01	0.03
Income Quality	1.24	1.24	1.26	1.17	1.12

Currency in USD