Preferred Bank(PFBC)
$103.17-0.56 (-0.54%)
PFBC
Preferred Bank financials statements
$103.17
At close:-0.56 (-0.54%)
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Preferred Bank (PFBC) Ratios
103 Followers
Preferred Bank Ratios
PFBC's free cash flow for Q2 2026 was $26.58M. For the 2026 fiscal year, PFBC's free cash flow was decreased by $-1.86M and operating cash flow was $28.44M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 149.60 | 0.14 | 0.22 | 0.22 | 0.29 |
| Quick Ratio | 149.60 | 0.14 | 0.22 | 0.22 | 0.29 |
| Cash Ratio | 140.19 | 0.13 | 0.16 | 0.13 | 0.20 |
| Solvency Ratio | 0.02 | 0.02 | 0.03 | 0.02 | 0.02 |
| Operating Cash Flow Ratio | 29.21 | 0.03 | 0.03 | 0.03 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 29.21 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -5.95B | $ -5.36B | $ -4.72B | $ -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 | 9.58 | 10.19 | 10.31 |
| Debt Service Coverage Ratio | 0.61 | 0.56 | 0.80 | 2.78 | 3.86 |
| Interest Coverage Ratio | 0.88 | 0.78 | 1.12 | 3.81 | 5.32 |
| Debt to Market Cap | 0.30 | 0.13 | 0.14 | 0.14 | 0.14 |
| Interest Debt Per Share | 47.60 | 30.11 | 25.30 | 14.81 | 13.17 |
| Net Debt to EBITDA | -2.21 | -3.22 | -3.42 | -3.20 | -6.34 |
| Profitability Margins | |||||
| Gross Profit Margin | 54.97% | 52.24% | 58.77% | 81.96% | 88.96% |
| EBIT Margin | 37.98% | 35.36% | 43.56% | 59.45% | 61.17% |
| EBITDA Margin | 38.33% | 35.78% | 43.92% | 60.08% | 62.04% |
| Operating Profit Margin | 37.98% | 35.36% | 43.72% | 59.45% | 61.17% |
| Pretax Profit Margin | 37.98% | 35.36% | 43.56% | 59.45% | 61.17% |
| Net Profit Margin | 26.78% | 25.11% | 31.14% | 42.75% | 43.53% |
| Continuous Operations Profit Margin | 26.78% | 25.11% | 31.14% | 42.75% | 43.53% |
| Net Income Per EBT | 70.50% | 71.00% | 71.50% | 71.90% | 71.17% |
| EBT Per EBIT | 100.00% | 100.00% | 99.63% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.76% | 1.89% | 2.25% | 2.01% | 1.58% |
| Return on Equity (ROE) | 16.93% | 17.12% | 21.59% | 20.44% | 16.23% |
| Return on Capital Employed (ROCE) | 2.50% | 18.59% | 22.56% | 20.70% | 16.32% |
| Return on Invested Capital (ROIC) | 1.76% | 13.20% | 16.13% | 14.88% | 11.61% |
| Return on Tangible Assets | 1.76% | 1.89% | 2.25% | 2.01% | 1.58% |
| Earnings Yield | 11.24% | 11.33% | 14.57% | 11.84% | 8.92% |
| Efficiency Ratios | |||||
| Receivables Turnover | 14.61 | 14.55 | 13.28 | 12.78 | 14.94 |
| Payables Turnover | 13.61 | 15.05 | 12.32 | 20.85 | 33.79 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 12.93 | 24.04 | 15.18 | 9.81 | 6.73 |
| Asset Turnover | 0.07 | 0.08 | 0.07 | 0.05 | 0.04 |
| Working Capital Turnover Ratio | -0.23 | -0.11 | -0.11 | -0.07 | -0.06 |
| Cash Conversion Cycle | -1.84 | 0.82 | -2.14 | 11.06 | 13.63 |
| Days of Sales Outstanding | 24.98 | 25.08 | 27.49 | 28.57 | 24.43 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 26.82 | 24.25 | 29.63 | 17.51 | 10.80 |
| Operating Cycle | 24.98 | 25.08 | 27.49 | 28.57 | 24.43 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 13.35 | 12.33 | 12.44 | 9.86 | 8.05 |
| Free Cash Flow Per Share | 13.24 | 12.26 | 12.27 | 9.84 | 8.01 |
| Dividend Paid and CapEx Coverage Ratio | 4.25 | 4.28 | 5.23 | 5.64 | 5.43 |
| Capital Expenditure Coverage Ratio | 124.45 | 179.03 | 72.63 | 403.81 | 198.40 |
| Operating Cash Flow Coverage Ratio | 0.44 | 0.99 | 1.04 | 0.85 | 0.70 |
| Operating Cash Flow to Sales Ratio | 0.34 | 0.32 | 0.36 | 0.48 | 0.55 |
| Free Cash Flow Yield | 14.02% | 14.19% | 16.80% | 13.18% | 11.15% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 8.90 | 8.81 | 6.86 | 8.44 | 11.21 |
| Price-to-Sales (P/S) Ratio | 2.38 | 2.22 | 2.14 | 3.61 | 4.88 |
| Price-to-Book (P/B) Ratio | 1.51 | 1.51 | 1.48 | 1.73 | 1.82 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 7.13 | 7.05 | 5.95 | 7.59 | 8.97 |
| Price-to-Operating Cash Flow Ratio | 7.07 | 7.01 | 5.87 | 7.57 | 8.92 |
| Price-to-Earnings Growth (PEG) Ratio | 1.08 | -1.12 | 0.34 | 0.22 | 0.30 |
| Enterprise Value Multiple | 4.00 | 2.97 | 1.45 | 2.81 | 1.53 |
| Enterprise Value | 766.00M | 552.86M | 306.86M | 509.30M | 207.24M |
| EV to EBITDA | 4.00 | 2.97 | 1.45 | 2.81 | 1.53 |
| EV to Sales | 1.53 | 1.06 | 0.64 | 1.69 | 0.95 |
| EV to Free Cash Flow | 4.59 | 3.38 | 1.77 | 3.55 | 1.74 |
| EV to Operating Cash Flow | 4.56 | 3.36 | 1.75 | 3.54 | 1.73 |
| Tangible Book Value Per Share | 62.69 | 57.18 | 49.31 | 43.24 | 39.47 |
| Shareholders’ Equity Per Share | 62.69 | 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 | 39.62 | 38.99 | 34.18 | 20.68 | 14.72 |
| Net Income Per Share | 10.61 | 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 | 0.13 | 0.11 | 0.11 | 0.16 | 0.19 |
| Stock-Based Compensation to Revenue | 0.02 | 0.02 | 0.01 | 0.03 | 0.04 |
| Income Quality | 1.26 | 1.26 | 1.17 | 1.12 | 1.26 |
Currency in USD
