(PFBC) Preferred Bank - Overview
Stock: Deposits, Real Estate Loans, Commercial Loans, Trade Finance, Cash Management
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.49% |
| Yield on Cost 5y | 6.85% |
| Yield CAGR 5y | 20.14% |
| Payout Consistency | 74.2% |
| Payout Ratio | 29.4% |
| Risk 5d forecast | |
|---|---|
| Volatility | 31.9% |
| Relative Tail Risk | -15.9% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.09 |
| Alpha | -11.61 |
| Character TTM | |
|---|---|
| Beta | 0.666 |
| Beta Downside | 0.768 |
| Drawdowns 3y | |
|---|---|
| Max DD | 38.82% |
| CAGR/Max DD | 0.30 |
Description: PFBC Preferred Bank January 19, 2026
Preferred Bank (NASDAQ:PFBC) is a Los Angeles-based regional bank that serves small- and mid-size businesses, entrepreneurs, real-estate developers, professionals, and high-net-worth individuals. Its product suite includes traditional deposit accounts (checking, savings, money-market, CDs, IRAs) and a broad loan portfolio covering residential and commercial mortgages, construction financing, SBA loans, lines of credit, term loans, and various trade-finance instruments, complemented by cash-management and digital banking platforms.
Key operating metrics (as of the latest FY2024 filing) show a net interest margin of roughly 3.1 % and a loan-to-deposit ratio near 71 %, indicating a conservative funding stance. Return on equity (ROE) has hovered around 9 %, while non-performing loans remain below 0.5 % of total assets, reflecting strong credit quality. The bank’s performance is sensitive to the Federal Reserve’s rate policy-higher rates boost NIM but can pressure commercial-real-estate borrowers, a sector that currently faces tightening credit conditions and elevated vacancy rates in office and retail properties.
For a deeper, data-driven view of PFBC’s valuation dynamics, you may find the analytics on ValueRay worth a quick look.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 133.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.19 > 1.0 |
| NWC/Revenue: -408.6% < 20% (prev -986.1%; Δ 577.5% < -1%) |
| CFO/TA 0.02 > 3% & CFO 120.8m > Net Income 133.6m |
| Net Debt (418.9m) to EBITDA (190.9m): 2.19 < 3 |
| Current Ratio: 0.30 > 1.5 & < 3 |
| Outstanding Shares: last quarter (12.5m) vs 12m ago -7.16% < -2% |
| Gross Margin: 55.28% > 18% (prev 0.52%; Δ 5475 % > 0.5%) |
| Asset Turnover: 6.92% > 50% (prev 7.52%; Δ -0.60% > 0%) |
| Interest Coverage Ratio: 0.65 > 6 (EBITDA TTM 190.9m / Interest Expense TTM 215.6m) |
Altman Z'' -1.20
| A: -0.27 (Total Current Assets 868.2m - Total Current Liabilities 2.92b) / Total Assets 7.60b |
| B: 0.10 (Retained Earnings 755.6m / Total Assets 7.60b) |
| C: 0.02 (EBIT TTM 140.2m / Avg Total Assets 7.26b) |
| D: 0.12 (Book Value of Equity 789.5m / Total Liabilities 6.81b) |
| Altman-Z'' Score: -1.20 = CCC |
What is the price of PFBC shares?
Over the past week, the price has changed by +3.07%, over one month by -7.24%, over three months by -1.08% and over the past year by +3.63%.
Is PFBC a buy, sell or hold?
- StrongBuy: 1
- Buy: 1
- Hold: 3
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the PFBC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 102.7 | 13.8% |
| Analysts Target Price | 102.7 | 13.8% |
| ValueRay Target Price | 101 | 11.9% |
PFBC Fundamental Data Overview February 09, 2026
P/E Forward = 8.3195
P/S = 3.955
P/B = 1.4342
P/EG = 1.83
Revenue TTM = 502.5m USD
EBIT TTM = 140.2m USD
EBITDA TTM = 190.9m USD
Long Term Debt = 348.6m USD (from longTermDebt, two quarters ago)
Short Term Debt = 766.0k USD (from shortTermDebt, two quarters ago)
Debt = 418.9m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 418.9m USD (from netDebt column, last fiscal year)
Enterprise Value = 1.53b USD (1.11b + Debt 418.9m - (null CCE))
Interest Coverage Ratio = 0.65 (Ebit TTM 140.2m / Interest Expense TTM 215.6m)
EV/FCF = 12.72x (Enterprise Value 1.53b / FCF TTM 120.4m)
FCF Yield = 7.86% (FCF TTM 120.4m / Enterprise Value 1.53b)
FCF Margin = 23.96% (FCF TTM 120.4m / Revenue TTM 502.5m)
Net Margin = 26.59% (Net Income TTM 133.6m / Revenue TTM 502.5m)
Gross Margin = 55.28% ((Revenue TTM 502.5m - Cost of Revenue TTM 224.7m) / Revenue TTM)
Gross Margin QoQ = 54.39% (prev 55.53%)
Tobins Q-Ratio = 0.20 (Enterprise Value 1.53b / Total Assets 7.60b)
Interest Expense / Debt = 13.05% (Interest Expense 54.7m / Debt 418.9m)
Taxrate = 29.50% (14.6m / 49.4m)
NOPAT = 98.8m (EBIT 140.2m * (1 - 29.50%))
Current Ratio = 0.30 (Total Current Assets 868.2m / Total Current Liabilities 2.92b)
Debt / Equity = 0.53 (Debt 418.9m / totalStockholderEquity, last fiscal year 789.5m)
Debt / EBITDA = 2.19 (Net Debt 418.9m / EBITDA 190.9m)
Debt / FCF = 3.48 (Net Debt 418.9m / FCF TTM 120.4m)
Total Stockholder Equity = 766.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.84% (Net Income 133.6m / Total Assets 7.60b)
RoE = 17.44% (Net Income TTM 133.6m / Total Stockholder Equity 766.3m)
RoCE = 12.57% (EBIT 140.2m / Capital Employed (Equity 766.3m + L.T.Debt 348.6m))
RoIC = 9.42% (NOPAT 98.8m / Invested Capital 1.05b)
WACC = 8.60% (E(1.11b)/V(1.53b) * Re(8.37%) + D(418.9m)/V(1.53b) * Rd(13.05%) * (1-Tc(0.29)))
Discount Rate = 8.37% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.92%
[DCF Debug] Terminal Value 77.34% ; FCFF base≈121.3m ; Y1≈133.1m ; Y5≈169.8m
Fair Price DCF = 181.1 (EV 2.62b - Net Debt 418.9m = Equity 2.21b / Shares 12.2m; r=8.60% [WACC]; 5y FCF grow 11.18% → 2.90% )
EPS Correlation: 51.00 | EPS CAGR: 13.42% | SUE: 2.33 | # QB: 2
Revenue Correlation: 77.31 | Revenue CAGR: 24.23% | SUE: 2.91 | # QB: 1
EPS next Quarter (2026-03-31): EPS=2.56 | Chg30d=+0.006 | Revisions Net=+1 | Analysts=4
EPS current Year (2026-12-31): EPS=10.40 | Chg30d=-0.095 | Revisions Net=-3 | Growth EPS=-0.1% | Growth Revenue=+1.4%
EPS next Year (2027-12-31): EPS=11.09 | Chg30d=-0.019 | Revisions Net=+1 | Growth EPS=+6.5% | Growth Revenue=+7.6%