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Preferred Bank

PFBC Financial Banks Regional

Preferred Bank’s revenue for fiscal 2025 (year ended December 2025) was $506.0 million, down 3.19% from fiscal 2024.

Revenue
−3.71%
EPS
−4.14%
Free cash flow
−33.3%
Total debt
+0.07%

Quarter to September 2026, against a year earlier

102.70 0.79 −0.76%
Market cap
$1.2B
P/E
9.4×
Fwd P/E
9.8×
Dividend yield
3.07%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 2.59
Sold, $m 0.15
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 3 7 3 1 3 9 1 4 1 — — —
Sell — — — — 1 2 — — — — — —
Insider Ownership 0.03%

Capital & Financial Ratios $m

Size
Market Cap 1,230.00
Revenue ttm 505.52
Net income ttm 34.66
Free cash flow ttm 140.58
Net debt Q (352.14)
Valuation
P/E 9.44
Forward P/E 9.75
Price / sales 2.44
Forward P/S Powerpack
Price / FCF 8.78
Price / book 1.55
Financial health
Current ratio Q 1.05
Debt / equity Q 0.44
Interest coverage Q —
Growth
Revenue growth Q −3.71% (below 0%: shrinking)
Operating income growth Q −6.73% (below 0%: shrinking)
EPS, this year +3.81%
EPS, next year A +5.34%
Revenue, next year A −42.78% (below 0%: weak)
EPS, past 5 yrs +17.49% (at or above 15%: strong)
EPS, next 5 yrs A +4.33%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 39.75%
10-year low 10-year high
P/S against its own 10 years 34.36%
10-year low 10-year high
P/B against its own 10 years 38.28%
10-year low 10-year high

Dividends raised 6 years running

Yield
3.07%
Annual rate
3.20
Payout ratio
29.6%
Growth, 2018–26
+16.5%/yr
  1. 0.94 ’18
  2. 1.20 ’19 +28
  3. 1.20 ’20 +0
  4. 1.44 ’21 +20
  5. 1.72 ’22 +19
  6. 2.20 ’23 +28
  7. 2.80 ’24 +27
  8. 3.00 ’25 +7
  9. 3.20 ’26 +7
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 911 786 827 701
Receivables — — — —
Inventory — — — —
Other — — — —
6,132 6,383 6,831 6,912
2023 2024 2025 Q'26
Payables 5,709 5,917 6,345 6,550
ST’ Debt — — — —
Other — — — —
5,726 5,933 6,362 6,567

Compound Annual Growth %

10y 5y 3y
Sales 17.77% 18.09% 18.48%
Cash Flow 19.53% 10.13% 5.36%
Earnings 16.42% 14.04% 1.22%
Book Value 11.57% 8.48% 7.79%

Earnings Trends EPS, adjusted, against the consensus

Sep 2026 Estimate 2.69 Actual 2.73

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Dec 2025 2.78 2.79 Beat by 0.01
Mar 2026 2.48 2.53 Beat by 0.05
Jun 2026 2.65 2.78 Beat by 0.13
Sep 2026 2.69 2.73 Beat by 0.04
Dec 2026 2.79 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 2.53 2.78 2.73 — —
’25 2.23 2.52 2.84 2.79 10.41
’24 2.44 2.48 2.46 2.25 9.64
’23 2.61 2.61 2.71 2.60 10.52
’22 1.74 1.87 2.40 2.71 8.70
’21 1.42 1.44 1.76 1.80 6.41
’20 1.08 1.03 1.15 1.40 4.65
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 121 126 126 — —
’25 119 124 131 133 506
’24 130 131 133 129 523
’23 108 122 129 127 485
’22 57 65 81 101 304
’21 54 52 56 57 219
’20 57 54 54 55 220
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 46 28 — — —
’25 45 26 — — 168
’24 43 26 56 40 165
’23 53 63 59 0 175
’22 32 30 45 37 144
’21 33 17 41 29 120
’20 20 18 30 35 104
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 44 27 — — —
’25 44 25 — — 189
’24 42 26 56 40 164
’23 53 62 59 2 176
’22 32 30 45 36 143
’21 32 17 41 29 119
’20 20 18 30 34 102
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 128 163 205 234 220 219 304 485 523 506 506 +16.5% 290 312 330 (13.3%)
Gross margin, % 85.41 82.93 79.99 73.49 81.80 88.50 84.54 61.12 54.76 57.38 57.93 (28.0) pt
EBT 60 80 99 111 97 134 179 210 184 190 190 +13.7%
EBT margin, % 46.51 49.25 48.25 47.57 43.96 61.17 58.90 43.26 35.21 37.46 37.60 (9.1) pt
Net income 36 43 71 78 69 95 129 150 131 134 35 +15.6%
Per share, $
Per share, $ Revenue 9.25 11.32 13.59 15.55 14.80 14.72 20.87 34.41 39.16 40.18 42.65 +17.7%
Earnings 2.58 2.97 4.64 5.16 4.65 6.41 8.84 10.64 9.79 10.61 11.03 +17.0%
Cash flow 3.79 3.68 6.58 5.74 6.97 8.05 9.86 12.44 12.33 13.35 0.00 +15.0%
Capex (0.05) (0.09) (0.18) (0.40) (0.10) (0.04) (0.02) 0.07 (0.07) 1.66 0.00 n/m
Free cash flow 3.74 3.59 6.39 5.34 6.87 8.01 9.84 12.51 12.26 15.01 0.00 +16.7%
Book value 21.47 24.59 27.67 31.21 35.30 39.47 43.24 49.31 57.18 62.69 66.86 +12.6%
Shares, m 14 14 15 15 15 15 15 14 13 13 12 (1.1%)
Valuation, ×
Valuation, × P/E 20.04 19.57 9.32 11.62 10.83 11.18 8.35 6.90 8.83 8.93 9.44 11.6
P/S 5.59 5.15 3.19 3.86 3.41 4.88 3.54 2.13 2.21 2.28 2.44 3.6
P/B 2.41 2.37 1.57 1.93 1.43 1.82 1.71 1.49 1.51 1.46 1.55 1.8
EV/Sales 3.42 2.40 0.74 2.00 0.41 0.75 1.51 0.56 0.99 1.33 — 1.4
EV/FCF 8.45 7.57 1.56 5.83 0.89 1.38 3.20 1.55 3.15 4.08 — 3.8
Cash, $m
Cash, $m Operating cash flow 53 53 99 87 104 120 144 175 165 168 144 +13.8%
Capex (1) (1) (3) (6) (1) (1) 0 1 (1) 21 (4) n/m
Free cash flow 52 52 96 80 102 119 143 176 164 189 141 +15.4%
Balance, $m
Balance, $m Working capital 161 204 260 247 303 188 226 406 450 469 345 +12.6%
Net debt (278) (450) (502) (436) (660) (903) (620) (763) (637) (478) (352) +6.2%
Shareholders’ equity 298 355 417 470 525 587 630 695 763 789 792 +11.4%
Returns, %
Returns, % ROA 1.23 1.23 1.75 1.76 1.42 1.70 2.07 2.29 1.92 1.84 1.75 +0.6 pt
ROIC 190.47 0.00 0.00 207.35 0.00 0.00 1,027.98 0.00 91.21 38.08 26.98 (152.4) pt
ROE 12.74 13.14 18.10 17.53 13.92 17.12 21.17 22.64 17.92 17.21 0.00 +4.5 pt
People
People Employees 218 238 263 279 266 279 299 300 323 324 — +4.5%
Revenue/emp, $m 0.59 0.69 0.78 0.84 0.83 0.78 1.02 1.62 1.62 1.56 — +11.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Preferred Bank vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
WABC Westamerica Bancorporation $1.4B 12.9× 12.8× +0.43% (above 0%: growing) +8.93% (above 0%: growing) −33.14% (below 0%: shrinking) 94.65% 0.00% Compare
HBT HBT Financial, Inc. $1.4B 15.9× 13.1× +37.46% (above 0%: growing) +26.23% (above 0%: growing) +36.90% (above 0%: growing) 80.56% 0.00% Compare
FMBH First Mid Bancshares, Inc. $1.4B 12.6× 11.2× +22.84% (above 0%: growing) +7.14% (above 0%: growing) +290.93% (above 0%: growing) 75.49% 0.00% Compare
CTBI Community Trust Bancorp, Inc. $1.3B 11.6× 11.2× +6.97% (above 0%: growing) +18.84% (above 0%: growing) +217.37% (above 0%: growing) 72.12% 0.00% Compare
OSBC Old Second Bancorp, Inc. $1.2B 11.3× 11.3× −1.73% (below 0%: shrinking) +200.00% (above 0%: growing) +282.25% (above 0%: growing) 84.33% 0.00% Compare
PFBC Preferred Bank $1.2B 9.4× 9.8× −3.71% (below 0%: shrinking) −4.14% (below 0%: shrinking) −33.29% (below 0%: shrinking) 57.05% 0.00%
MCB Metropolitan Bank Holding Corp. $1.2B 11.9× 9.9× +10.67% (above 0%: growing) −12.92% (below 0%: shrinking) −168.73% (below 0%: shrinking) 64.82% 0.00% Compare
HFWA Heritage Financial Corporation $1.2B 14.1× 14.6× +24.60% (above 0%: growing) −17.86% (below 0%: shrinking) +0.66% (above 0%: growing) 79.05% 0.00% Compare
AMTB Amerant Bancorp Inc. $1.2B 17.3× 13.2× −6.05% (below 0%: shrinking) +87.60% (above 0%: growing) +137.85% (above 0%: growing) 68.11% 0.00% Compare
Median of peers $1.3B 12.7× 12.1× +8.82% +13.89% +87.38% 77.27% 0.00%

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stockrow.com/PFBC · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com