Preferred Bank PFBC R2KR3KFINANCIAL
Company Overview
Preferred Bank provides various banking products and services to small and mid-sized businesses, entrepreneurs, real estate developers, professionals, and high net worth individuals. The company accepts checking, savings, and money market deposit accounts; fixed-rate and fixed maturity retail, and non-retail certificates of deposit; and individual retirement accounts. It also provides real estate mortgage loans that are secured by retail, industrial, office, special purpose, and residential single and multi-family properties; real estate construction loans; commercial loans, including lines of credit for working capital, term loans for capital expenditures, and commercial and stand-by letters of credit; and small business administration loans for business purposes, such as owner-occupied commercial real estate, business acquisitions, start-ups, franchise financing, working capital, improvements and renovations, inventory and equipment, and debt-refinancing. In addition, the company offers trade finance services, including commercial and export letters of credit, import lines of credit, documentary collections, international wire transfers, acceptances/trust receipt financing, export financing, and bills purchase programs. Further, it provides cash management services; and internet, mobile, and tablet banking services. The company was incorporated in 1991 and is headquartered in Los Angeles, California.
Why Investors Should Care
Generates a return on equity of 17.6%, reflecting efficient use of shareholder capital.
Trades at a P/E of 10.0, below the sector median of 13.6.
Maintains a net profit margin of 47.3%.
Offers a dividend yield of 3.02%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $283.40M (-0.2% YoY); net profit $133.63M.
- Trailing 12 Months Year-on-year growth — revenue +4.7%, earnings +8.2%.
- 5-Year Trend Long-term compounding — revenue CAGR 3.7%, profit CAGR 1.2%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 3.66% |
| 1 Year: | 4.70% |
Compounded Profit Growth
| 5 Years: | 1.22% |
| 1 Year: | 8.20% |
Stock Price Performance
| 1 Year: | +17.51% |
| 6 Months: | +15.87% |
| 3 Months: | +3.30% |
| 1 Month: | -0.97% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)56.98 · Neutral
P/E of 9.96 is below the sector median of 13.55 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 47.3%.
- Attractive dividend yield of 3.02%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | PFBC Preferred Bank R2KR3KFINANCIAL | 106.72 | 9.96 | $1.26B | 3.02% | - | 17.58% | 3.66% | 1.22% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 331.58 | 14.21 | $881.40B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 542.19 | 13.64 | $763.42B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 407.92 | 34.69 | $695.14B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 623.60 | 34.34 | $542.20B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 813,595.00 | 13.64 | $397.40B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 7 | BAC Bank of America Corporation SPXR3KFINANCIAL | 50.56 | 11.68 | $353.55B | 2.39% | - | 11.20% | 3.14% | 4.27% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 90.68 | 12.95 | $310.38B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 179.49 | 14.51 | $281.90B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | - | - | 66.66M | 70.64M | 74.97M | 71.13M | 69.62M |
| Cost of Revenue | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - |
| Interest Expense | - | - | 51.87M | 53.57M | 55.54M | 54.66M | 51.56M |
| Pretax Income | - | - | 42.59M | 46.59M | 50.98M | 49.39M | 44.58M |
| Tax Provision | - | - | 12.56M | 13.74M | 15.04M | 14.57M | 13.44M |
| Net Income | - | - | 30.02M | 32.85M | 35.94M | 34.82M | 31.14M |
| Diluted EPS | 2.46 | - | 2.23 | 2.57 | 2.84 | - | 2.53 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 254.40M | 293.14M | 283.96M | 283.40M |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 47.02M | 188.61M | 236.47M | 215.64M |
| Pretax Income | - | 179.20M | 209.85M | 184.03M | 189.55M |
| Tax Provision | - | 50.35M | 59.81M | 53.37M | 55.91M |
| Net Income | - | 128.84M | 150.04M | 130.66M | 133.63M |
| Diluted EPS | - | 8.70 | 10.52 | 9.64 | 10.41 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Total Assets | 6.43B | 6.66B | 6.92B | 7.60B |
| Current Assets | - | - | - | - |
| Cash & Equivalents | 747.53M | 890.85M | 765.51M | 807.10M |
| Inventory | - | - | - | - |
| Receivables | 23.59M | 33.89M | 33.56M | 34.23M |
| Total Liabilities | 5.79B | 5.96B | 6.16B | 6.81B |
| Current Liabilities | - | - | - | - |
| Long Term Debt | 148.00M | 148.23M | 148.47M | 348.71M |
| Total Debt | 168.94M | 168.00M | 165.46M | 383.81M |
| Total Equity | 630.43M | 695.11M | 763.15M | 789.48M |
| Shares Outstanding | 16.04M | 16.18M | 16.30M | 16.41M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 143.76M | 175.39M | 164.52M | 168.14M |
| Investing Cash Flow | - | -699.89M | -98.03M | -421.62M | -623.80M |
| Financing Cash Flow | - | 273.05M | 65.97M | 131.76M | 497.24M |
| Capital Expenditure | - | -356.00K | -2.42M | -919.00K | -1.35M |
| Free Cash Flow | - | 143.40M | 172.98M | 163.60M | 166.79M |
| Net Change in Cash | - | -283.08M | 143.33M | -125.34M | 41.58M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 50.6% | 51.2% | 46.0% | 47.2% |
| ROE % | - | 20.4% | 21.6% | 17.1% | 16.9% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 8.42% | 1.16M | $118.91M |
| 2 | T. Rowe Price Investment Management, Inc. | 7.82% | 1.08M | $110.48M |
| 3 | State Street Corporation | 4.69% | 646.21K | $66.29M |
| 4 | Dimensional Fund Advisors LP | 4.16% | 573.32K | $58.81M |
| 5 | Vanguard Capital Management LLC | 3.45% | 475.27K | $48.75M |
| 6 | American Century Companies Inc | 3.25% | 447.11K | $45.86M |
| 7 | Charles Schwab Investment Management, Inc. | 3.19% | 439.65K | $45.10M |
| 8 | Boston Partners | 2.99% | 412.06K | $42.27M |
| 9 | Geode Capital Management, LLC | 2.90% | 399.17K | $40.95M |
| 10 | Nuveen, LLC | 2.41% | 332.26K | $34.08M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for PFBC
Preferred Bank: Q3 Earnings Snapshot - Yahoo Finance
<a href="https://news.google.com/rss/articles/CBMiogFBVV95cUxQX3BFRVNMMkU2SUxjZHFjQjFFLTl2LVNvZDJxdFdMdERWSE5uTXNoUWVRQnRNN2NPa2RialMyRUtlbVJ3dllYXzlLVXpucHFlZ0RsX0JHbXZhS2FJaWFXOFZLVnVhUmdWeFh6Rmd1YVZQdmF2aW5Gd2hhV2FHdVBjNnZYUzV2bUd5ak9ieH…
Preferred Bank (NASDAQ:PFBC) misses Q3 2026 sales expectations - TradingView
<a href="https://news.google.com/rss/articles/CBMivgFBVV95cUxQUVZiQ1RVM25DMUNjX2N5VGZMejRNMW9MaEtkemlkeXZxelNoSlZTN3RvWW1PazR1WHpPX1d4XzFGaUF3YURmSGlxX2tpNThwVUlMWEY0dWRzMll0eS1ZVVVMcC1ORzlRZ0VlYTBfUDhMU09hc3kwYndjMnhFUWFScWRLTmRVdEMxSDlZQm…
A $56.7 million loan fell behind on payments, prompting a $2.1 million interest reversal at Preferred Bank. - Stock Titan
<a href="https://news.google.com/rss/articles/CBMilgFBVV95cUxNZzdrb0FaRlJtdmtHRXY4eFY0Sl9IU1NDSnM5R2tXZS01OGpOSHdtc3I0NVUzYTZ0MFltaUl2QXlsVHgzVk9LVi0yQ29jRmFTeEJ1bXoxLU5DYXNNZXlPbDJTWlBMcUpGbVdzdTlmWlE4cU9xVGRLLVZKamo4aXA1d3ptelU0RU1WZDBTc0…
PREFERRED BANK LOS ANGELES ($PFBC) Releases Q3 2026 Earnings - Quiver Quantitative
<a href="https://news.google.com/rss/articles/CBMioAFBVV95cUxQeF9XRlJzbktyMkxKakVEeElPelVOYnd1SmRPMUpOWDNUWnA5OHFRUi1oSUdEM0FVVVVTRjNrbEx2S2dXWVRfVVBtcmVYVjBTaWV4X3IycTJmeDJwcUlxWS0xdFNrU25Ud1lWY0w1ZDdHZGVZSmZXbkxPUm1nZ2h0NTFhd3FkNjgxMmhXVV…
Preferred Bank Q3 2026 Earnings Call Transcript - Benzinga
<a href="https://news.google.com/rss/articles/CBMilwFBVV95cUxQVGQ3bldGajVHanFIY0NUVFBBM2N4NmV6Tnd1YWlOemxmRUlUNm5YSXNuVS0xUENkVVJmRDl2MUcxNDM0WTZUNjVCaC03Tzhhem5MRjhiTWYyVEd5ZnBiWWdKWEF2eFJwXy1aaDZDdmZLQnNadnRqa2N0THlWZlZPNEFOZFE3dkRTRzJIZU…
Preferred Bank (NASDAQ:PFBC) Shares Gap Down - Should You Sell? - MarketBeat
<a href="https://news.google.com/rss/articles/CBMiugFBVV95cUxNcV9veDkteGF2YncwZzljb2VVMTNET29QRTdPOWhvdDhSaGRtTGh0YmRKQVBWa1l6NUh4TVhicEZsa0F2RGd4bXA2RHk1ZTEteWdnT24wNXFwcVhvUmJSZzdiaTVoUGE0b01uQlphR3lmN1RPenVIVzRDSUNkeS0zbTJRc2dhcnk4QVdwbV…
PFBC — Frequently Asked Questions
What is the current share price of Preferred Bank (PFBC)?
As of 2026-10-23 16:27 PDT, Preferred Bank (PFBC) trades at $106.72 on NasdaqGS. Its 52-week range is $80.78 to $108.66.
What is the market capitalisation of PFBC?
Preferred Bank (PFBC) has a market capitalisation of $1.26B on NasdaqGS.
What is the P/E ratio of PFBC?
PFBC trades at a trailing price-to-earnings (P/E) ratio of 9.96. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.57.
Does PFBC pay a dividend?
Preferred Bank (PFBC) currently offers a dividend yield of 3.02%.
What is the return on equity (ROE) of PFBC?
PFBC has a return on equity (ROE) of 17.58%.
Is PFBC a good stock to buy?
This page provides a data-driven analysis of Preferred Bank (PFBC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.