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Preferred Bank PFBC

Financial — Banks Regional
Dividend Champion (5y) Insider Buys (last 12m)
Growth Flags show if company had growth for consecutive years ,
Insider Buys alert about insiders buying in the last 12 month

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Insider Decisions

Total buys
2.59
Total sells
0.15
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — 3 7 3 1 3 9 1 4 1 —
Sell — — — — — — 1 2 — — — —
Insider Ownership
0.00%

Capital & Financial Ratios

Market Cap
1,420.00
Revenue
510.36
Net Income
1.81
Free Cash Flow
140.58
Net Debt
(440.99)
Current Ratio
1.08
Debt/Equity
0.44
P/E ratio
9.45
P/S ratio
2.45
P/B ratio
1.57
Past 5Y EPS Growth
13.32%
This Y EPS Growth
2.96%
Next Y EPS Growth
2.43%
Next 5Y EPS Growth
4.83%
in millions of $

Dividends

Payout Ratio
0.20
Annual Dividend Rate
2.20
Annual Dividend Yield
4.10%
total individual payouts
2027 ‡‡‡‡‡
2026 3.20
—
—
—
—
2025 3.00
—
—
—
—
2024 2.80
—
—
—
—
2023 2.20
—
—
—
—
2022 1.72
—
—
—
—
2021 1.44
—
—
—
—
2020 1.20
—
—
—
—
2019 1.20
—
—
—
—
2018 0.94
—
—
—
—
2017 0.76
—
—
—
—
2016 0.60
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 910.85 785.52 827.10 789.82
Receivables — — — —
Inventory — — — —
Other — — — —
6,131.56 6,383.39 6,831.46 6,993.09
2023 2024 2025 Q'26
Payables 5,709.34 5,916.85 6,345.45 6,472.21
ST’ Debt — — — —
Other — — — —
5,725.78 5,933.37 6,361.96 6,487.52
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 121.19 125.93 — —
—
’25 118.53 124.21 130.52 132.73
505.97
’24 129.59 130.70 132.88 129.50
522.66
’23 108.02 121.51 128.50 127.07
485.10
’22 57.29 65.16 80.61 101.19
304.24
’21 53.51 52.12 56.40 56.76
218.78
’20 57.34 53.59 54.39 55.01
220.33
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 45.57 28.44 — —
—
’25 44.58 25.66 — —
168.14
’24 43.11 25.79 56.01 39.62
164.52
’23 52.94 62.95 59.30 0.20
175.39
’22 32.19 29.80 45.23 36.53
143.76
’21 32.52 16.81 41.12 29.19
119.63
’20 20.10 18.34 30.34 34.98
103.77
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 44.27 26.58 — —
—
’25 44.25 25.48 — —
189.05
’24 42.27 25.70 55.80 39.84
163.61
’23 52.73 62.46 58.98 2.18
176.35
’22 32.05 29.74 45.14 36.47
143.40
’21 32.32 16.69 40.90 29.13
119.03
’20 19.79 18.12 29.90 34.46
102.27
in millions of $

EPS

Mar Jun Sep Dec Year
’26 2.53 2.78 — —
—
’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

Target Price Range

High
‡‡‡‡‡
‡‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡‡

Recommendation Rating

2.6
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 64.10 42.42 66.88 71.90 — — —
Low Price
‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 81.97 77.75 99.78 103.05 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 299 300 323 324 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.02 1.62 1.62 1.56 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 304.24 485.10 522.66 505.97 ‡‡‡‡‡ ‡‡‡‡‡ —
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 84.54% 61.12% 54.76% 57.38% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 179.20 209.85 184.03 189.55 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 58.90% 43.26% 35.21% 37.46% ‡‡‡ ‡‡‡ —
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 128.85 150.04 130.66 133.63 ‡‡‡‡‡ ‡‡‡‡‡ —
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6.72 8.82 5.23 12.45 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 20.87 34.41 39.16 40.18 ‡‡‡‡‡ ‡‡‡‡‡ —
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 8.84 10.64 9.79 10.61 ‡‡‡‡‡ ‡‡‡‡‡ —
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.86 12.44 12.33 13.35 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.02) 0.07 (0.07) 1.66 ‡‡‡ ‡‡‡ —
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.84 12.51 12.26 15.01 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 43.24 49.31 57.18 62.69 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 14.58 14.10 13.35 12.59 ‡‡‡‡‡ ‡‡‡‡‡ —
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8.35 6.90 8.83 8.93 ‡‡‡‡ ‡‡‡‡ —
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.54 2.13 2.21 2.28 ‡‡‡ ‡‡‡ —
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.71 1.49 1.51 1.46 ‡‡‡ ‡‡‡ —
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.52 0.56 0.99 1.34 ‡‡‡‡ ‡‡‡‡ —
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.22 1.55 3.16 4.09 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 143.76 175.39 164.52 168.14 ‡‡‡ ‡‡‡ —
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.36) 0.96 (0.92) 20.91 — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 143.40 176.35 163.61 189.05 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 226.16 405.78 450.02 469.50 — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 152.00 148.23 148.47 348.71 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (615.53) (762.62) (637.05) (478.39) — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 630.43 695.11 763.15 789.48 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.07% 2.29% 1.92% 1.84% — — —
ROA
‡‡‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡ 751.92% 0.00% 91.21% 38.08% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 21.17% 22.64% 17.92% 17.21% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Preferred Bank (PFBC), a resilient Los Angeles-based community bank specializing in commercial real estate and business lending in Southern California, has delivered impressive growth through challenges like COVID-19 and the 2023 banking crisis. Revenue has surged 307% from $128 million in 2016 to $523 million in 2024, with revenue per employee jumping 175% amid modest staff growth, while EPS rose 279% to $9.79, bolstered by share buybacks. A fortress-like balance sheet features shareholders’ equity up 156% to $763 million, book value per share at $57.18, stellar 22.6% ROE, and net cash exceeding debt, supporting strong free cash flow of $164 million.

Insider confidence is sky-high, with $1.7 million in purchases and zero sells through early 2026, signaling undervaluation at a forward P/E of 8-9x, 2.2x P/S, and 3x EV/FCF—bargains versus peers. Analysts project EPS climbing to $11.08 by 2027 despite short-term revenue dips, with price targets implying 2-22% upside from recent levels near $100.

While CRE exposure and margin pressures pose risks amid high rates and economic uncertainty, PFBC’s track record, shareholder-friendly moves, and low valuations make it a compelling pick for investors seeking high-quality regional banks with growth potential.

Read full commentary →

Preferred Bank (PFBC) Latest News

News by impact score

Fine-tune

31 Aug

3 , 12:22 PM
Preferred Bank posted Q2 net income of $32.4 million, EPS of $2.15, loan growth of 3% and deposit growth of 2% with net interest margin at 4.12%. Q2 earnings and balance sheet metrics provide moderate insight into near-term performance but no major strategic shifts.

26 Jul

3 , 4:07 PM
Preferred Bank (PFBC) posted stronger Q2 2026 earnings per share with direct implications for shareholders. Stronger earnings per share affects valuation and near-term investor sentiment but does not alter long-term strategy.

3 , 6:09 AM
Preferred Bank (PFBC) posted strong Q2 earnings, indicating its stock may remain undervalued. Strong Q2 earnings can moderately influence Preferred Bank's valuation and investor sentiment.

23 Jul

3 app.moby.co, 8:30 AM
Preferred Bank held its Q2 2026 earnings call covering quarterly financial results, performance metrics, and management outlook for the bank. Quarterly earnings call delivers financial updates that can shift short-term market views but rarely alter long-term bank trajectory.

22 Jul

3 , 9:00 PM
Preferred Bank (PFBC) reported strong loan growth and improved asset quality in Q2 2026. Loan growth and asset quality gains signal positive financial momentum with moderate effect on future results.

3 www.marketbeat.com, 5:02 PM
Preferred Bank held its Q2 earnings call, covering financial results, operational metrics, and management outlook for the period. Q2 earnings details can moderately influence short-term investor sentiment and stock performance.

3 , 9:30 AM
Preferred Bank (PFBC) Q2 earnings analysis examines key metrics such as revenue, net income, loan growth and efficiency ratios to assess financial performance and trends. Q2 earnings metrics offer moderate insight into PFBC financial trends that may influence near-term stock sentiment without major strategic shifts.

3 , 8:00 AM
Preferred Bank reported its second quarter results. Quarterly earnings release reveals performance metrics that can move stock price and investor views in the near term.

21 Jul

3 , 6:38 AM
Preferred Bank (PFBC) prepares to report Q2 earnings with analyst focus on revenue, net interest income and loan growth. Q2 earnings expectations can move investor views on PFBC financial results and near-term stock movement.

15 Jul

3 , 10:00 AM
Preferred Bank (PFBC) earnings are projected to grow, leading to questions on whether the stock should be purchased. Expected earnings growth can moderately shift investor views and near-term valuation for Preferred Bank.

22 May

3 StockStory, 7:56 PM
Preferred Bank (PFBC) has three key issues that make it advisable to avoid the stock, and investors should consider buying another stock instead. Negative investment analysis can temporarily pressure PFBC share price and sentiment without altering fundamentals.

20 May

3 GlobeNewswire, 8:00 AM
Preferred Bank announces a recovery settlement. Recovery settlement may affect bank's financials and market sentiment moderately.

27 Apr

3 Simply Wall St., 2:05 PM
Investors react to Preferred Bank (PFBC) earnings growth despite rising net charge-offs and ongoing share buybacks. Earnings growth balances rising net charge-offs and buybacks for moderately noticeable impact on financial performance and sentiment.

23 Apr

4 GuruFocus.com, 3:05 AM
Preferred Bank (PFBC) Q1 2026 earnings call highlights strategic moves to navigate operational challenges. Strategic responses to challenges in Q1 2026 earnings call signal major shifts likely to alter PFBC's performance trajectory.

3 www.marketbeat.com, 3:49 PM
Preferred Bank Q1 earnings call highlighted robust net income growth, expanded loan portfolio, stable deposits, improved net interest margin, and optimistic guidance amid economic pressures. Q1 earnings highlights show solid financial metrics and growth that moderately boost market sentiment without transformative shifts.

3 StockStory, 10:21 AM
Preferred Bank (PFBC) Q1 results show margin pressure from credit resolutions, with management anticipating a rebound. Margin pressure affects Q1 financials moderately, balanced by management's rebound outlook.

22 Apr

4 app.moby.co, 4:45 PM
Preferred Bank (PFBC) Q1 2026 earnings call summary highlights quarterly financial results, loan growth, deposit increases, net interest margins, asset quality, and forward guidance amid economic conditions. Quarterly earnings details and guidance significantly shape investor expectations and stock trajectory for PFBC.

4 transcript www.fool.com, 3:04 PM
Preferred Bank (PFBC) Q1 2026 earnings call transcript details quarterly financial results, management discussion, and outlook. Q1 2026 earnings transcript discloses key financial metrics, loan growth, deposit trends, and guidance directly shaping PFBC's valuation and market trajectory.

4 Zacks, 9:30 AM
Preferred Bank (PFBC) Q1 earnings key metrics compared to Wall Street estimates. Q1 earnings comparison to estimates signals major shifts in financial performance and investor sentiment for PFBC.

4 Zacks, 9:05 AM
Preferred Bank (PFBC) reported Q1 earnings surpassing analyst estimates. Q1 earnings beat indicates robust financial performance, likely boosting stock price and investor outlook.

4 GlobeNewswire, 8:00 AM
Preferred Bank (PFBC) reported first quarter results, highlighting key financial metrics and performance. First quarter earnings reports drive significant shifts in bank stock prices and investor perceptions of future performance.

20 Apr

4 , 11:17 PM
Preferred Bank (PFBC) reports Q1 results tomorrow in an earnings event to watch. Upcoming Q1 earnings release can significantly sway PFBC's stock price and market trajectory based on results versus expectations.

15 Apr

3 Zacks, 10:00 AM
Preferred Bank (PFBC) earnings are expected to grow, raising the question of whether investors should buy the stock. Expected earnings growth signals moderately noticeable potential influence on PFBC's financial performance and investor sentiment.

23 Feb

3 GlobeNewswireStockStoryGuruFocus.com, 4:01 PM
Preferred Bank issued an update on a specific loan relationship, detailing its current status. Loan relationship updates may affect asset quality, provisions for losses, and short-term financial performance.

3 Feb

3 Simply Wall St., 6:32 AM
Preferred Bank (PFBC) is highlighted among three dividend stocks offering yields up to 4%. The article emphasizes the bank's strong financial performance and consistent dividend payments, making it an attractive option for income-focused investors. The analysis suggests that PFBC's solid fundamentals and growth potential position it well in the current market environment. PFBC's strong financial performance and consistent dividends may moderately influence investor sentiment and market positioning.

30 Jan

4 Simply Wall St., 6:31 AM
Preferred Bank (PFBC) is highlighted as a top dividend stock for January 2026, showcasing its strong financial performance and commitment to returning value to shareholders. The bank's consistent dividend payments and growth potential make it an attractive option for income-focused investors. Analysts emphasize the importance of dividend stocks in a diversified portfolio, particularly in the current economic climate, where stability and income generation are prioritized. PFBC's strategic initiatives and market positioning further enhance its appeal as a reliable investment choice. The emphasis on Preferred Bank's strong financial performance and commitment to dividends indicates a significant impact on its future market positioning and investor sentiment.

3 Simply Wall St., 12:32 PM
Preferred Bank (PFBC) is highlighted as one of the top dividend stocks to consider for investment portfolios. The bank has demonstrated consistent dividend payments and a solid financial performance, making it an attractive option for income-focused investors. Analysts emphasize the importance of dividend yield and stability in the current market environment, positioning PFBC favorably among its peers. The article suggests that the bank's strong fundamentals and commitment to returning value to shareholders could enhance its appeal in the competitive banking sector. Preferred Bank's consistent dividend payments and solid financial performance may moderately influence its market positioning and investor sentiment.

29 Jan

3 , 11:39 PM
Preferred Bank (PFBC) is highlighted as a safe investment option this week, with analysts recommending it for its steady performance. In contrast, two other stocks are identified as risky, suggesting potential volatility and uncertainty in their future performance. Investors are advised to consider these insights when making investment decisions. Preferred Bank's steady performance may positively influence its financial stability, but the overall market dynamics remain uncertain.

3 transcript StockStory, 12:36 AM
Preferred Bank's Q4 earnings call addressed key analyst questions, focusing on financial performance, strategic initiatives, and market outlook. The bank highlighted its growth strategies, loan portfolio performance, and plans for future expansion. Analysts sought clarity on potential risks and competitive positioning in the current economic environment, emphasizing the importance of maintaining strong asset quality and managing operational costs. Overall, the call provided insights into the bank's direction and expectations for the upcoming quarters. The earnings call revealed insights into financial performance and strategic initiatives that may moderately influence the bank's future trajectory.

23 Jan

4 ZacksSimply Wall St.StockStoryAssociated Press FinanceMT NewswiresStockStorySimply Wall St.StockStory, 11:45 AM
Preferred Bank (PFBC) is highlighted as an attractive dividend stock due to its strong financial performance, consistent dividend payments, and solid growth prospects. The bank has demonstrated resilience in a challenging economic environment, maintaining a healthy balance sheet and a commitment to returning value to shareholders. Analysts suggest that PFBC's strategic initiatives and focus on expanding its market presence further enhance its appeal as a reliable investment for dividend-seeking investors. Strong financial performance and strategic initiatives are likely to significantly impact future growth and investor sentiment.
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