Overview Dividends

(PFBC) Preferred Bank - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US7403674044

Deposits, Loans, Trade Finance, Cash Management, Digital Banking

Regional Banks
Market Cap in USD: 1,189m

IPO / Inception: 1998-04-07
Return 12m vs S&P 500: 2.24%

EPS (Earnings per Share)

EPS CAGR: 12.93%
EPS Trend: 57.5%

Last SUE: 2.72
Qual. Beats: 1

Revenue

Rev. CAGR: 24.86%
Rev. Trend: 82.8%

Last SUE: 0.79
Qual. Beats: 0

Dividends

Dividend Yield	3.14%
Yield on Cost 5y	6.97%
Yield CAGR 5y	20.14%
Payout Consistency	74.2%
Payout Ratio	31.0%

Risk via 5d forecast
Volatility	29.3%
Value at Risk 5%th	41.2%
Relative Tail Risk	-14.51%

Reward TTM
Sharpe Ratio	0.64
Alpha	3.38
CAGR/Max DD	0.35

Character TTM
Hurst Exponent	0.416
Beta	0.700
Beta Downside	0.829

Drawdowns 3y
Max DD	39.72%
Mean DD	10.07%
Median DD	7.97%

Description: PFBC Preferred Bank November 16, 2025

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 with a full suite of deposit, loan, and cash-management products.

Its deposit franchise includes checking, savings, money-market accounts, retail and non-retail CDs, and IRAs, while its loan portfolio spans real-estate mortgages (retail, industrial, office, and residential), construction financing, commercial term loans and lines of credit, SBA loans, and a range of trade-finance solutions such as letters of credit and export financing.

Key operating metrics (as of Q3 2024) show a net interest margin of ~4.2%, a loan-to-deposit ratio of roughly 78%, and a CET1 capital ratio of 12.5%, indicating solid profitability and capital adequacy relative to peers in the Regional Banks sub-industry.

Macro-driven factors that materially affect PFBC’s outlook include the Federal Reserve’s policy-rate trajectory (which influences mortgage and commercial loan pricing), the health of the U.S. housing market (particularly single-family and multifamily construction activity), and the credit demand of small businesses amid a still-recovering post-pandemic economy.

For a deeper quantitative view, you may want to explore ValueRay’s detailed financial metrics and scenario analyses.

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (129.0m TTM) > 0 and > 6% of Revenue (6% = 30.0m TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA -0.17pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1025 % (prev -914.6%; Δ -110.8pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 120.8m <= Net Income 129.0m (YES >=105%, WARN >=100%)

Net Debt (-600.1m) to EBITDA (184.6m) ratio: -3.25 <= 3.0 (WARN <= 3.5)

Current Ratio 0.14 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (12.6m) change vs 12m ago -6.72% (target <= -2.0% for YES)

Gross Margin 55.15% (prev 51.84%; Δ 3.32pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 6.98% (prev 7.52%; Δ -0.54pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.84 (EBITDA TTM 184.6m / Interest Expense TTM 217.7m) >= 6 (WARN >= 3)

Altman Z'' -3.89

(A) -0.69 = (Total Current Assets 801.3m - Total Current Liabilities 5.93b) / Total Assets 7.47b

(B) 0.10 = Retained Earnings (Balance) 755.6m / Total Assets 7.47b

(D) 0.11 = Book Value of Equity 755.6m / Total Liabilities 6.69b

Total Rating: -3.89 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 79.41

1. Piotroski 5.0pt

2. FCF Yield 21.52%

3. FCF Margin 24.05%

4. Debt/Equity 0.21

5. Debt/Ebitda -3.25

6. ROIC - WACC (= 2.34)%

7. RoE 16.84%

8. Rev. Trend 82.81%

9. EPS Trend 57.55%

What is the price of PFBC shares?

As of January 10, 2026, the stock is trading at USD 97.27 with a total of 73,055 shares traded.
Over the past week, the price has changed by +2.24%, over one month by +3.63%, over three months by +9.79% and over the past year by +23.69%.

Is PFBC a buy, sell or hold?

Preferred Bank has received a consensus analysts rating of 3.60. Therefor, it is recommend to hold PFBC.

Strong Buy: 1
Buy: 1
Hold: 3
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the PFBC price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	109.3	12.3%
Analysts Target Price	109.3	12.3%
ValueRay Target Price	113	16.2%

PFBC Fundamental Data Overview January 07, 2026

P/E Trailing = 9.7277
P/E Forward = 8.3195
P/S = 4.3836
P/B = 1.5087
P/EG = 1.83
Beta = 0.661
Revenue TTM = 500.5m USD
EBIT TTM = 182.7m USD
EBITDA TTM = 184.6m USD
Long Term Debt = 348.6m USD (from longTermDebt, last quarter)
Short Term Debt = 4.28m USD (from shortTermDebt, last fiscal year)
Debt = 165.5m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -600.1m USD (from netDebt column, last fiscal year)
Enterprise Value = 559.5m USD (1.19b + Debt 165.5m - CCE 795.5m)
Interest Coverage Ratio = 0.84 (Ebit TTM 182.7m / Interest Expense TTM 217.7m)
EV/FCF = 4.65x (Enterprise Value 559.5m / FCF TTM 120.4m)
FCF Yield = 21.52% (FCF TTM 120.4m / Enterprise Value 559.5m)
FCF Margin = 24.05% (FCF TTM 120.4m / Revenue TTM 500.5m)
Net Margin = 25.78% (Net Income TTM 129.0m / Revenue TTM 500.5m)
Gross Margin = 55.15% ((Revenue TTM 500.5m - Cost of Revenue TTM 224.5m) / Revenue TTM)
Gross Margin QoQ = 55.53% (prev 55.58%)
Tobins Q-Ratio = 0.07 (Enterprise Value 559.5m / Total Assets 7.47b)
Interest Expense / Debt = 33.57% (Interest Expense 55.5m / Debt 165.5m)
Taxrate = 29.50% (15.0m / 51.0m)
NOPAT = 128.8m (EBIT 182.7m * (1 - 29.50%))
Current Ratio = 0.14 (Total Current Assets 801.3m / Total Current Liabilities 5.93b)
Debt / Equity = 0.21 (Debt 165.5m / totalStockholderEquity, last quarter 775.6m)
Debt / EBITDA = -3.25 (Net Debt -600.1m / EBITDA 184.6m)
Debt / FCF = -4.98 (Net Debt -600.1m / FCF TTM 120.4m)
Total Stockholder Equity = 766.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.80% (Net Income 129.0m / Total Assets 7.47b)
RoE = 16.84% (Net Income TTM 129.0m / Total Stockholder Equity 766.3m)
RoCE = 16.39% (EBIT 182.7m / Capital Employed (Equity 766.3m + L.T.Debt 348.6m))
RoIC = 12.69% (NOPAT 128.8m / Invested Capital 1.01b)
WACC = 10.35% (E(1.19b)/V(1.35b) * Re(8.50%) + D(165.5m)/V(1.35b) * Rd(33.57%) * (1-Tc(0.29)))
Discount Rate = 8.50% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.33%
[DCF Debug] Terminal Value 71.63% ; FCFF base≈121.3m ; Y1≈133.1m ; Y5≈169.8m
Fair Price DCF = 213.1 (EV 2.00b - Net Debt -600.1m = Equity 2.60b / Shares 12.2m; r=10.35% [WACC]; 5y FCF grow 11.18% → 2.90% )
EPS Correlation: 57.55 | EPS CAGR: 12.93% | SUE: 2.72 | # QB: 1
Revenue Correlation: 82.81 | Revenue CAGR: 24.86% | SUE: 0.79 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.56 | Chg30d=+0.016 | Revisions Net=+3 | Analysts=5
EPS next Year (2026-12-31): EPS=10.50 | Chg30d=+0.096 | Revisions Net=+3 | Growth EPS=+0.8% | Growth Revenue=+3.3%

Additional Sources for PFBC Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle