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Preferred Bank (PFBC)
NASDAQ:PFBC
US Market
PFBC
Preferred Bank
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Preferred Bank (PFBC) Ratios

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Preferred Bank Ratios

PFBC's free cash flow for Q2 2026 was $0.57. For the 2026 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 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 255.01 149.60 0.14 0.22 0.22
Quick Ratio
 255.01 149.60 0.14 0.22 0.22
Cash Ratio
 244.32 140.19 0.13 0.16 0.13
Solvency Ratio
 0.02 0.02 0.02 0.03 0.02
Operating Cash Flow Ratio
 56.02 29.21 0.03 0.03 0.03
Short-Term Operating Cash Flow Coverage
 56.02 29.21 0.00 0.00 0.00
Net Current Asset Value
$ -6.15B$ -5.95B$ -5.36B$ -4.72B$ -4.60B
Leverage Ratios
Debt-to-Assets Ratio
 0.05 0.05 0.02 0.03 0.03
Debt-to-Equity Ratio
 0.49 0.49 0.22 0.24 0.27
Debt-to-Capital Ratio
 0.33 0.33 0.18 0.19 0.21
Long-Term Debt-to-Capital Ratio
 0.31 0.31 0.16 0.18 0.19
Financial Leverage Ratio
 9.74 9.63 9.07 9.58 10.19
Debt Service Coverage Ratio
 0.63 0.61 0.56 0.80 2.78
Interest Coverage Ratio
 0.90 0.88 0.78 1.12 3.81
Debt to Market Cap
 0.29 0.30 0.13 0.14 0.14
Interest Debt Per Share
 50.61 47.60 30.11 25.30 14.81
Net Debt to EBITDA
 -1.87 -2.21 -3.22 -3.42 -3.20
Profitability Margins
Gross Profit Margin
55.82%54.97%52.24%58.77%81.96%
EBIT Margin
38.22%37.98%35.36%43.56%59.45%
EBITDA Margin
38.45%38.33%35.78%43.92%60.08%
Operating Profit Margin
38.22%37.98%35.36%43.72%59.45%
Pretax Profit Margin
38.22%37.98%35.36%43.56%59.45%
Net Profit Margin
26.75%26.78%25.11%31.14%42.75%
Continuous Operations Profit Margin
26.75%26.78%25.11%31.14%42.75%
Net Income Per EBT
69.99%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)
1.75%1.76%1.89%2.25%2.01%
Return on Equity (ROE)
17.32%16.93%17.12%21.59%20.44%
Return on Capital Employed (ROCE)
2.50%2.50%18.59%22.56%20.70%
Return on Invested Capital (ROIC)
1.75%1.76%13.20%16.13%14.88%
Return on Tangible Assets
1.75%1.76%1.89%2.25%2.01%
Earnings Yield
11.16%11.24%11.33%14.57%11.84%
Efficiency Ratios
Receivables Turnover
 15.43 14.61 14.55 13.28 12.78
Payables Turnover
 0.00 13.61 15.05 12.32 20.85
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 12.95 12.93 24.04 15.18 9.81
Asset Turnover
 0.07 0.07 0.08 0.07 0.05
Working Capital Turnover Ratio
 0.63 -0.23 -0.11 -0.11 -0.07
Cash Conversion Cycle
 23.66 -1.84 0.82 -2.14 11.06
Days of Sales Outstanding
 23.66 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 26.82 24.25 29.63 17.51
Operating Cycle
 23.66 24.98 25.08 27.49 28.57
Cash Flow Ratios
Operating Cash Flow Per Share
 14.51 13.35 12.33 12.44 9.86
Free Cash Flow Per Share
 14.18 13.24 12.26 12.27 9.84
CapEx Per Share
 0.34 0.11 0.07 0.17 0.02
Free Cash Flow to Operating Cash Flow
 0.98 0.99 0.99 0.99 1.00
Dividend Paid and CapEx Coverage Ratio
 4.11 4.25 4.28 5.23 5.64
Capital Expenditure Coverage Ratio
 42.89 124.45 179.03 72.63 403.81
Operating Cash Flow Coverage Ratio
 0.45 0.44 0.99 1.04 0.85
Operating Cash Flow to Sales Ratio
 0.34 0.34 0.32 0.36 0.48
Free Cash Flow Yield
13.84%14.02%14.19%16.80%13.18%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.19 8.90 8.81 6.86 8.44
Price-to-Sales (P/S) Ratio
 2.40 2.38 2.22 2.14 3.61
Price-to-Book (P/B) Ratio
 1.53 1.51 1.51 1.48 1.73
Price-to-Free Cash Flow (P/FCF) Ratio
 7.23 7.13 7.05 5.95 7.59
Price-to-Operating Cash Flow Ratio
 7.06 7.07 7.01 5.87 7.57
Price-to-Earnings Growth (PEG) Ratio
 0.60 1.08 -1.12 0.34 0.22
Price-to-Fair Value
 1.53 1.51 1.51 1.48 1.73
Enterprise Value Multiple
 4.36 4.00 2.97 1.45 2.81
Enterprise Value
 848.69M 766.00M 552.86M 306.86M 509.30M
EV to EBITDA
 4.36 4.00 2.97 1.45 2.81
EV to Sales
 1.68 1.53 1.06 0.64 1.69
EV to Free Cash Flow
 5.05 4.59 3.38 1.77 3.55
EV to Operating Cash Flow
 4.94 4.56 3.36 1.75 3.54
Tangible Book Value Per Share
 67.00 62.69 57.18 49.31 43.24
Shareholders’ Equity Per Share
 67.00 62.69 57.18 49.31 43.24
Tax and Other Ratios
Effective Tax Rate
 0.30 0.29 0.29 0.29 0.28
Revenue Per Share
 42.75 39.62 38.99 34.18 20.68
Net Income Per Share
 11.44 10.61 9.79 10.64 8.84
Tax Burden
 0.70 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
 0.13 0.13 0.11 0.11 0.16
Stock-Based Compensation to Revenue
 0.02 0.02 0.02 0.01 0.03
Income Quality
 1.27 1.26 1.26 1.17 1.12
Currency in USD