Preferred Bank (PFBC)
NASDAQ:PFBC
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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 - $104.85
Previous CloseN/A
Volume16.29K
Average Volume (3M)81.21K
Market Cap
$1.40B
Enterprise Value$743.12M
Total Cash (Recent Filing)$805.16M
Total Debt (Recent Filing)$383.15M
Price to Earnings (P/E)9.6
Beta0.75
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 Cap0.53
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)10.63
Revenue Forecast (FY)$294.57M
Bulls Say, Bears Say
Bulls Say
High Profitability & ROEPersistently strong TTM net margins (~26.7%) and ROE (~17.5%) indicate the franchise generates durable core earnings above peers. This profit cushion supports loss-absorption, funds reinvestment, and underpins sustainable internal capital generation across economic cycles over the next several months.
Stable Cash GenerationOperating cash flow and FCF around $167–169M (FCF ~0.99x net income) show reliable cash conversion. Steady FCF supports dividends, buybacks, and loan loss provisioning without immediate reliance on external capital, bolstering financial resilience over a multi-month horizon.
Active Credit Remediation & Cost ControlManagement has moved decisively on a large troubled relationship—selling loans at par and halving exposure—while signaling controlled operating expenses and buybacks. Proactive remediation plus disciplined expense and capital deployment reflects strong execution and shortens recovery timelines for asset quality.
Bears Say
Increased LeverageA meaningful step-up in leverage (debt/equity ~0.50) raises sensitivity to funding-cost moves and cyclical credit stress. Higher debt amplifies earnings volatility if margins compress or credit costs rise, reducing financial flexibility for lending or capital returns over the coming months.
Material Nonperforming ExposureA single ~$177M nonaccrual relationship remains material to credit metrics. Ongoing bankruptcy, foreclosure or resolution processes create execution and loss uncertainty; outcomes can require provisions or write-downs that materially affect earnings and capital over the next several quarters.
Funding & Margin PressureLarge near-term CD maturities and a slowing decline in deposit costs limit immediate funding relief. Coupled with severe competitive loan pricing, this constrains NIM recovery and leaves margins exposed as CDs reprice and new loans face compressed yields for multiple months.
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 $104.85 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 Jul 22, 2026 which is in 26 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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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
20.60% Mutual Funds
16.72% Other Institutional Investors
37.22% Public Companies and
Individual Investors