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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 Q3 2025 was $0.56. For the 2025 fiscal year, PFBC's free cash flow was decreased by $ and operating cash flow was $0.39. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.13	0.14	0.22	459.90	2.09K
Quick Ratio	0.13	0.14	0.22	772.34	3.60K
Cash Ratio	0.13	0.13	0.16	286.63	1.44K
Solvency Ratio	0.02	0.02	0.03	0.02	0.02
Operating Cash Flow Ratio	0.02	0.03	0.03	55.12	167.32
Short-Term Operating Cash Flow Coverage	157.73	0.00	0.00	32.76	29.83
Net Current Asset Value	$ -5.86B	$ -5.36B	$ -4.73B	$ -4.60B	$ -3.96B
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.02	0.03	0.03	0.03
Debt-to-Equity Ratio	0.49	0.22	0.24	0.27	0.29
Debt-to-Capital Ratio	0.33	0.18	0.19	0.21	0.23
Long-Term Debt-to-Capital Ratio	0.31	0.16	0.18	0.19	0.20
Financial Leverage Ratio	9.63	9.07	9.59	10.19	10.31
Debt Service Coverage Ratio	0.60	0.56	0.80	2.54	3.33
Interest Coverage Ratio	0.84	0.78	1.12	4.81	5.32
Debt to Market Cap	0.31	0.13	0.14	0.14	0.14
Interest Debt Per Share	48.23	30.11	25.30	14.81	13.17
Net Debt to EBITDA	-2.25	-3.22	-3.42	-3.20	-6.34
Profitability Margins
Gross Profit Margin	55.15%	52.24%	58.77%	100.00%	100.00%
EBIT Margin	36.51%	35.36%	43.56%	70.44%	69.12%
EBITDA Margin	36.88%	35.78%	43.92%	71.18%	70.10%
Operating Profit Margin	36.51%	35.36%	43.72%	88.92%	69.12%
Pretax Profit Margin	36.51%	35.36%	43.56%	70.44%	69.12%
Net Profit Margin	25.78%	25.11%	31.14%	50.65%	49.19%
Continuous Operations Profit Margin	25.78%	25.11%	31.14%	50.65%	49.19%
Net Income Per EBT	70.62%	71.00%	71.50%	71.90%	71.17%
EBT Per EBIT	100.00%	100.00%	99.63%	79.21%	100.00%
Return on Assets (ROA)	1.73%	1.89%	2.25%	2.01%	1.58%
Return on Equity (ROE)	16.84%	17.12%	21.59%	20.44%	16.23%
Return on Capital Employed (ROCE)	14.95%	18.59%	22.32%	3.52%	2.21%
Return on Invested Capital (ROIC)	10.55%	13.20%	16.13%	9.33%	4.63%
Return on Tangible Assets	1.73%	1.89%	2.25%	2.17%	1.72%
Earnings Yield	11.30%	11.33%	14.57%	11.84%	8.92%
Efficiency Ratios
Receivables Turnover	12.02	14.55	13.28	0.00	0.00
Payables Turnover	14.34	15.05	12.32	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	14.37	24.04	15.18	8.28	5.96
Asset Turnover	0.07	0.08	0.07	0.04	0.03
Working Capital Turnover Ratio	-0.09	-0.11	-0.11	0.19	0.16
Cash Conversion Cycle	4.91	0.82	-2.14	0.00	0.00
Days of Sales Outstanding	30.37	25.08	27.49	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	25.46	24.25	29.63	0.00	0.00
Operating Cycle	30.37	25.08	27.49	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	9.76	12.33	12.44	9.86	8.05
Free Cash Flow Per Share	9.72	12.26	12.27	9.84	8.01
CapEx Per Share	0.04	0.07	0.17	0.02	0.04
Free Cash Flow to Operating Cash Flow	1.00	0.99	0.99	1.00	0.99
Dividend Paid and CapEx Coverage Ratio	3.12	4.28	5.23	5.64	5.43
Capital Expenditure Coverage Ratio	273.36	179.03	72.63	403.81	198.40
Operating Cash Flow Coverage Ratio	0.32	0.99	1.04	0.85	0.70
Operating Cash Flow to Sales Ratio	0.24	0.32	0.36	0.57	0.62
Free Cash Flow Yield	10.55%	14.19%	16.80%	13.18%	11.15%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.85	8.82	6.86	8.44	11.21
Price-to-Sales (P/S) Ratio	2.28	2.22	2.14	4.28	5.51
Price-to-Book (P/B) Ratio	1.47	1.51	1.48	1.73	1.82
Price-to-Free Cash Flow (P/FCF) Ratio	9.48	7.05	5.95	7.59	8.97
Price-to-Operating Cash Flow Ratio	9.45	7.01	5.87	7.57	8.92
Price-to-Earnings Growth (PEG) Ratio	2.14	-1.12	0.34	0.22	0.30
Price-to-Fair Value	1.47	1.51	1.48	1.73	1.82
Enterprise Value Multiple	3.93	2.97	1.45	2.81	1.53
Enterprise Value	725.47M	552.86M	306.86M	509.31M	207.24M
EV to EBITDA	3.93	2.97	1.45	2.81	1.53
EV to Sales	1.45	1.06	0.64	2.00	1.07
EV to Free Cash Flow	6.03	3.38	1.77	3.55	1.74
EV to Operating Cash Flow	6.00	3.36	1.75	3.54	1.73
Tangible Book Value Per Share	62.63	57.18	49.31	43.24	39.47
Shareholders’ Equity Per Share	62.63	57.18	49.31	43.24	39.47
Tax and Other Ratios
Effective Tax Rate	0.29	0.29	0.29	0.28	0.29
Revenue Per Share	40.41	38.99	34.18	17.45	13.02
Net Income Per Share	10.42	9.79	10.64	8.84	6.41
Tax Burden	0.71	0.71	0.71	0.72	0.71
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	0.11	0.10	0.11	0.19	0.23
Stock-Based Compensation to Revenue	0.02	0.02	0.01	0.03	0.05
Income Quality	0.94	1.26	1.17	1.12	1.26

Currency in USD