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%
Market cap
$1.2B
P/E
9.4×
Fwd P/E
9.2×
Dividend yield
3.06%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
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
ROE
12.74% 13.14% 18.10% 17.53% 13.92% 17.12% 21.17% 22.64% 17.92% 17.21%
ROA
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

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Columns are period end dates