PFBC Stock Analysis: Preferred Bank | NASDAQ

Banks - Regional | NASDAQ, USA | Market Cap: 1.277m USD | 12M Return: 19.7% | Charts, Fundamentals & Technical Analysis

Commercial Loans, Mortgage Loans, Trade Finance, Cash Management

Total Rating 44

Safety 72

Buy Signal 0.43

Banks - Regional
Industry Rotation: +3.8

Market Cap: 1.28B
Avg Turnover: 14.1M

Risk 3d forecast

Volatility26.6%

VaR 5^th Pctl4.21%

VaR vs Median-3.64%

Reward TTM

Sharpe Ratio0.68

Rel. Str. IBD61.6

Rel. Str. Peer Group32.3

Character TTM

Beta0.560

Beta Downside0.642

Hurst Exponent0.439

Drawdowns 3y

Max DD20.69%

CAGR/Max DD1.28

CAGR/Mean DD3.94

EPS (Earnings per Share)

EPS CAGR: -2.27%
EPS Trend: -41.4%

Last SUE: 0.56
Qual. Beats: 0

Revenue

Rev. CAGR: 4.94%
Rev. Trend: 63.5%

Last SUE: 0.66
Qual. Beats: 0

Warnings

Fakeout

Tailwinds

Confidence

Seasonality 10.5 years of data

Jan +0.1% 13

Feb -1.4% 0

Mar -6.8% 16

Apr -1.4% 27

May -1.5% 37

Jun +2.1% 27

Jul +4.7% 23

Aug -3.3% 37

Sep -2.9% 24

Oct -0.9% 21

Nov +0.7% 9

Dec -0.3% 8

How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.

Description: PFBC Preferred Bank

Preferred Bank is a Los Angeles-headquartered regional bank (NASDAQ: PFBC) that serves small and mid-sized businesses, entrepreneurs, real estate developers, professionals, and high net worth individuals. On the funding side, it accepts checking, savings, and money market deposit accounts, fixed-rate certificates of deposit (both retail and non-retail), and individual retirement accounts. Regional banks such as PFBC typically compete on relationship-based service and local market knowledge rather than scale, distinguishing them from larger money-center institutions.

On the lending side, the bank provides a mix of real estate-secured credit and commercial loans, including mortgages on retail, industrial, office, special-purpose, and residential properties; construction loans; working capital lines of credit and term loans for capital expenditures; commercial and stand-by letters of credit; and Small Business Administration (SBA) loans, which are partially government-guaranteed programs used for purposes such as owner-occupied real estate, acquisitions, start-ups, franchise financing, working capital, and equipment purchases.

In addition, Preferred Bank operates a trade finance unit offering export letters of credit, import lines of credit, documentary collections, international wire transfers, acceptances/trust receipt financing, export financing, and bills purchase programs - a specialty service typically associated with banks serving import/export-oriented business communities. The bank also provides cash management and internet, mobile, and tablet banking services. The company was incorporated in 1991 and has been listed since its April 1998 IPO.

Headlines to Watch Out For

Net interest margin compression expected as Fed cuts rates
Commercial real estate loan losses rise from office sector exposure
Deposit growth from Asian-American business banking niche accelerates

Piotroski VR-10 (Strict) 4.0

Net Income: 134.8m TTM > 0 and > 6% of Revenue
FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.06 > 1.0
NWC/Revenue: 165.5% < 20% (prev -1.01k%; Δ 1.18k% < -1%)
CFO/TA 0.02 > 3% & CFO 169.1m > Net Income 134.8m
Net Debt (-387.6m) to EBITDA (193.2m): -2.01 < 3
Current Ratio: 183.0 > 1.5 & < 3
Outstanding Shares: last quarter (12.3m) vs 12m ago -8.63% < -2%
Gross Margin: 55.38% > 18% (prev 53.13%; Δ 2.25% > 0.5%)
Asset Turnover: 6.84% > 50% (prev 7.17%; Δ -0.33% > 0%)
Interest Coverage Ratio: 0.89 > 6 (EBIT TTM 191.5m / Interest Expense TTM 215.3m)

Altman Z'' 1.35

A: 0.11 (Total Current Assets 840.0m - Total Current Liabilities 4.59m) / Total Assets 7.65b
B: 0.10 (Retained Earnings 802.3m / Total Assets 7.65b)
C: 0.03 (EBIT TTM 191.5m / Avg Total Assets 7.38b)
D: 0.11 (Book Value of Equity 770.2m / Total Liabilities 6.88b)
Altman-Z'' = 1.35 = BB

Beneish M -2.97

DSRI: 1.11 (Receivables 34.8m/31.8m, Revenue 504.8m/509.4m)
GMI: 0.96 (GM 53.13% / 55.38%)
AQI: 1.02 (AQ_t 0.89 / AQ_t-1 0.86)
SGI: 0.99 (Revenue 504.8m / 509.4m)
TATA: -0.00 (NI 134.8m - CFO 169.1m) / TA 7.65b)
Beneish M = -2.97 (Cap -4..+1) = A

What is the price of PFBC shares?

As of July 08, 2026, the stock is trading at USD 105.22 with a total of 83,748 shares traded. Over the past week, the price has changed by +0.85%, over one month by +8.18%, over three months by +16.01% and over the past year by +19.73%.

Current recommended Stop Loss: 101.70 (which is 3.3% or 1.2 ATR below the current price).

Is PFBC a buy, sell or hold?

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

StrongBuy: 1
Buy: 1
Hold: 3
Sell: 0
StrongSell: 0

What are the forecasts/targets for the PFBC price?

Analysts Target Price	105	-0.2%

Preferred Bank (PFBC) - Fundamental Data Overview as of 03 July 2026

Market Cap USD = 1.28b (1.28b USD * 1.0 USD.USD)
P/E Trailing = 10.0719
P/E Forward = 8.3195
P/S = 4.5073
P/B = 1.6601
P/EG = 0.9441
Revenue TTM = 504.8m USD
EBIT TTM = 191.5m USD
EBITDA TTM = 193.2m USD
Long Term Debt = 348.8m USD (from longTermDebt, last quarter)
Short Term Debt = 4.59m USD (from shortTermDebt, last quarter)
Debt = 417.5m USD (from shortLongTermDebtTotal, last quarter) + Leases 34.4m
Net Debt = -387.6m USD (calculated: Debt 417.5m - CCE 805.2m)
Enterprise Value = 889.8m USD (1.28b + Debt 417.5m - CCE 805.2m)
Interest Coverage Ratio = 0.89 (Ebit TTM 191.5m / Interest Expense TTM 215.3m)
EV/FCF = 6.16x (Enterprise Value 889.8m / FCF TTM 144.5m)
FCF Yield = 16.24% (FCF TTM 144.5m / Enterprise Value 889.8m)
FCF Margin = 28.62% (FCF TTM 144.5m / Revenue TTM 504.8m)
Net Margin = 26.69% (Net Income TTM 134.8m / Revenue TTM 504.8m)
Gross Margin = 55.38% ((Revenue TTM 504.8m - Cost of Revenue TTM 225.2m) / Revenue TTM)
Gross Margin QoQ = 56.08% (prev 54.39%)
Tobins Q-Ratio = 0.12 (Enterprise Value 889.8m / Total Assets 7.65b)
Interest Expense / Debt = 51.57% (Interest Expense 215.3m / Debt 417.5m)
Taxrate = 29.65% (56.8m / 191.5m)
NOPAT = 134.8m (EBIT 191.5m * (1 - 29.65%))
Current Ratio = 39.36 (Total Current Assets 840.0m / Total Current Liabilities 21.3m)
Debt / Equity = 0.54 (Debt 417.5m / totalStockholderEquity, last quarter 770.2m)
Debt / EBITDA = -2.01 (Net Debt -387.6m / EBITDA 193.2m)
Debt / FCF = -2.68 (Net Debt -387.6m / FCF TTM 144.5m)
Total Stockholder Equity = 770.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.83% (Net Income 134.8m / Total Assets 7.65b)
RoE = 17.48% (Net Income TTM 134.8m / Total Stockholder Equity 770.7m)
RoCE = 17.11% (EBIT 191.5m / Capital Employed (Equity 770.7m + L.T.Debt 348.8m))
RoIC = 1.77% (NOPAT 134.8m / Invested Capital 7.63b)
WACC = 5.99% (E(1.28b)/V(1.69b) * Re(7.95%) + (debt cost/tax rate unavailable))
Discount Rate = 7.95% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.56 | Cagr: -5.02%
[DCF] Terminal Value 76.03% ; FCFF base≈141.9m ; Y1≈148.0m ; Y5≈169.0m
[DCF] Fair Price = 253.0 (EV 2.61b - Net Debt -387.6m = Equity 3.00b / Shares 11.8m; r=8.35% [WACC [floored]]; 5y FCF grow 4.63% → 2.50% )
EPS Correlation: -41.44 | EPS CAGR: -2.27% | SUE: 0.56 | # QB: 0
Revenue Correlation: 63.47 | Revenue CAGR: 4.94% | SUE: 0.66 | # QB: 0
EPS current Quarter (2026-06-30): EPS=2.65 | Chg30d=+0.45% | Revisions=+62% | Analysts=5
EPS next Quarter (2026-09-30): EPS=2.73 | Chg30d=+0.89% | Revisions=+62% | Analysts=5
EPS current Year (2026-12-31): EPS=10.70 | Chg30d=+0.68% | Revisions=+62% | GrowthEPS=+2.8% | GrowthRev=+1.7%
EPS next Year (2027-12-31): EPS=11.24 | Chg30d=+0.30% | Revisions=+29% | GrowthEPS=+5.1% | GrowthRev=+7.4%
[Analyst] Revisions Ratio: +77% (up=18, down=1)