Saturday 17 October 2026
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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. In the quarter to June 2026, revenue grew 1.39%, EPS grew 10.6%, free cash flow fell 33.3% and total debt was flat, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.
104.43
0.84
+0.81%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
20.04 | 19.57 | 9.32 | 11.62 | 10.83 | 11.18 | 8.35 | 6.90 | 8.83 | 8.93 |
Piotroski F-Score |
5 | 6 | 7 | 6 | 7 | 6 | 8 | 8 | 7 | 5 |
P/S ratio |
5.59 | 5.15 | 3.19 | 3.86 | 3.41 | 4.88 | 3.54 | 2.13 | 2.21 | 2.28 |
P/FCF ratio |
13.81 | 16.25 | 6.78 | 11.25 | 7.35 | 8.97 | 7.52 | 5.87 | 7.05 | 6.97 |
P/Operating CF |
56.06 | 69.00 | 24.71 | 44.73 | 21.48 | 36.56 | 29.51 | 5,229.76 | 29.10 | 44.94 |
P/B ratio |
2.41 | 2.37 | 1.57 | 1.93 | 1.43 | 1.82 | 1.71 | 1.49 | 1.51 | 1.46 |
Price to Tangible BV |
2.41 | 2.37 | 1.57 | 1.93 | 1.43 | 1.82 | 1.71 | 1.49 | 1.51 | 1.46 |
EV/Sales |
3.42 | 2.40 | 0.74 | 2.00 | 0.41 | 0.75 | 1.51 | 0.56 | 0.99 | 1.33 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
8.35 | 7.38 | 1.52 | 5.42 | 0.88 | 1.37 | 3.19 | 1.56 | 3.14 | 4.07 |
EV/FCF |
8.45 | 7.57 | 1.56 | 5.83 | 0.89 | 1.38 | 3.20 | 1.55 | 3.15 | 4.08 |
Quick Ratio |
0.15 | 0.17 | 0.16 | 0.13 | 0.17 | 0.20 | 0.14 | 0.16 | 0.13 | 0.13 |
Current Ratio |
1.06 | 1.06 | 1.07 | 1.06 | 1.07 | 1.04 | 1.04 | 1.07 | 1.08 | 1.07 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
3.89% | 2.79% | 2.38% | 2.14% | 1.93% | 2.44% | 2.30% | 2.23% | 2.14% | 4.59% |
Debt/Equity |
0.42 | 0.30 | 0.24 | 0.21 | 0.19 | 0.25 | 0.23 | 0.21 | 0.19 | 0.44 |
Asset Turnover |
0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.05 | 0.07 | 0.08 | 0.07 |
Operating CF/Net income |
1.47 | 1.24 | 1.42 | 1.11 | 1.50 | 1.26 | 1.12 | 1.17 | 1.26 | 1.26 |
Capex/Depreciation |
(0.49) | (0.56) | (0.57) | (1.11) | (0.27) | (0.15) | (0.05) | 0.11 | (0.18) | 1.68 |
| 12.74% | 13.14% | 18.10% | 17.53% | 13.92% | 17.12% | 21.17% | 22.64% | 17.92% | 17.21% | |
| 1.23% | 1.23% | 1.75% | 1.76% | 1.42% | 1.70% | 2.07% | 2.29% | 1.92% | 1.84% | |
ROIC |
190.47% | 0.00% | 0.00% | 207.35% | 0.00% | 0.00% | 1,027.98% | 0.00% | 91.21% | 38.08% |
Return on Tangible Assets |
21.53% | 20.45% | 26.06% | 29.97% | 21.99% | 48.08% | 54.79% | 36.11% | 28.50% | 27.98% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
38.90% | 33.68% | 31.74% | 25.92% | 37.83% | 27.33% | 25.64% | 17.86% | 19.55% | 19.92% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.85% | 2.22% | 3.93% | 3.31% | 4.04% | 4.17% | 2.76% | 1.20% | 1.76% | 2.01% |
Graham Net Nets |
0.01 | 0.07 | 0.18 | 0.09 | 0.18 | (0.03) | (0.01) | 0.16 | 0.19 | 0.02 |
Graham Number |
35.30 | 40.60 | 53.81 | 60.25 | 60.84 | 75.51 | 92.85 | 108.65 | 112.17 | 124.06 |
Earnings Yield |
4.99% | 5.11% | 10.73% | 8.60% | 9.23% | 8.94% | 11.98% | 14.48% | 11.32% | 11.20% |
Free Cash Flow Yield |
7.24% | 6.15% | 14.75% | 8.89% | 13.61% | 11.15% | 13.30% | 17.03% | 14.19% | 14.34% |
Revenue per Share |
9.25 | 11.32 | 13.59 | 15.55 | 14.80 | 14.72 | 20.87 | 34.41 | 39.16 | 40.18 |
Operating CF per Share |
3.79 | 3.68 | 6.58 | 5.74 | 6.97 | 8.05 | 9.86 | 12.44 | 12.33 | 13.35 |
Capex per Share |
(0.05) | (0.09) | (0.18) | (0.40) | (0.10) | (0.04) | (0.02) | 0.07 | (0.07) | 1.66 |
Free Cash Flow per Share |
3.74 | 3.59 | 6.39 | 5.34 | 6.87 | 8.01 | 9.84 | 12.51 | 12.26 | 15.01 |
Cash per Share |
29.09 | 38.46 | 40.03 | 35.57 | 51.02 | 70.67 | 52.65 | 64.62 | 58.85 | 65.67 |
Shareholders Equity per Share |
21.47 | 24.59 | 27.67 | 31.21 | 35.30 | 39.47 | 43.24 | 49.31 | 57.18 | 62.69 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
21.47 | 24.59 | 27.67 | 31.21 | 35.30 | 39.47 | 43.24 | 49.31 | 57.18 | 62.69 |
Free Cash Flow |
51.99 | 51.82 | 96.25 | 80.42 | 102.27 | 119.03 | 143.40 | 176.35 | 163.61 | 189.05 |
Working Capital |
161.07 | 204.04 | 260.42 | 247.04 | 303.23 | 187.55 | 226.16 | 405.78 | 450.02 | 469.50 |
Capital Expenditures |
(0.64) | (1.36) | (2.77) | (6.09) | (1.50) | (0.60) | (0.36) | 0.96 | (0.92) | 20.91 |
Net Current Asset Value |
5.24 | 63.01 | 117.23 | 82.57 | 132.36 | (35.62) | (7.43) | 167.39 | 223.11 | 19.77 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.01 | 0.01 | 0.03 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | (0.04) |
Price to Operating Income |
12.03 | 10.47 | 6.61 | 8.12 | 7.76 | 7.97 | 6.02 | 4.93 | 6.26 | 6.08 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.25 | 0.43 | 0.65 | 0.45 | 0.46 | 0.38 | 0.75 | 0.91 | 0.62 | 1.54 |
Cash ROIC |
6.28% | 5.10% | 8.59% | 7.28% | 7.39% | 6.67% | 9.28% | 10.05% | 9.64% | 9.62% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 | 0.03 | 0.04 | 0.04 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
53,846.44 | 42,690.06 | 32,452.73 | 23,418.31 | 40,428.47 | 75,813.32 | 43,133.38 | 11,048.54 | 9,132.95 | 10,740.63 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
2,525.14 | 3,013.21 | 3,451.19 | 3,811.49 | 4,212.89 | 4,834.00 | 5,391.25 | 5,633.17 | 5,813.10 | 6,131.15 |
Average Assets |
2,910.22 | 3,495.73 | 3,993.15 | 4,422.46 | 4,886.06 | 5,594.97 | 6,235.83 | 6,542.32 | 6,791.35 | 7,262.30 |
Average Common Equity |
281.11 | 326.55 | 385.84 | 443.33 | 497.73 | 556.08 | 608.57 | 662.77 | 729.13 | 776.31 |
Columns are period end dates