Saturday 17 October 2026 Export PFBC’s income statement to Excel — free account

Preferred Bank

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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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

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 2.59

Total sells 0.15

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	3	7	3	1	3	9	1	4	1	—	—
Sell	—	—	—	—	—	1	2	—	—	—	—	—

Insider Ownership 0.00%

Capital & Financial Ratios $m

Market Cap 1,230.00

Revenue 510.36

Net Income 34.66

Free Cash Flow 140.58

Net Debt (440.99)

Current Ratio 1.08

Debt/Equity 0.44

P/E ratio 9.37

Fwd P/E 9.15

P/S ratio 2.42

P/B ratio 1.56

Past 5Y EPS Growth 17.49%

This Y EPS Growth 3.23%

Next Y EPS Growth 3.50%

Next Y revenue growth (42.41%)

Next 5Y EPS Growth 4.94%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 38.37%

10-year low 10-year high

P/S against its own 10 years 33.87%

10-year low 10-year high

P/B against its own 10 years 39.00%

10-year low 10-year high

Dividends

Payout Ratio 0.29

Annual Dividend Rate 3.20

Annual Dividend Yield 3.06%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	3.20	0.80 0.80 0.80 0.80
2025	3.00	0.75 0.75 0.75 0.75
2024	2.80	0.70 0.70 0.70 0.70
2023	2.20	0.55 0.55 0.55 0.55
2022	1.72	0.43 0.43 0.43 0.43
2021	1.44	0.30 0.38 0.38 0.38
2020	1.20	0.30 0.30 0.30 0.30
2019	1.20	0.30 0.30 0.30 0.30
2018	0.94	0.22 0.22 0.25 0.25
2017	0.76	0.18 0.18 0.20 0.20
2016	0.60	0.15 0.15 0.15 0.15

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	911	786	827	790
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	6,132	6,383	6,831	6,993

	2023	2024	2025	Q'26
Payables	5,709	5,917	6,345	6,472
ST’ Debt	—	—	—	—
Other	—	—	—	—
	5,726	5,933	6,362	6,488

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	121	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.

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

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	26.35	46.88	39.87	41.98	20.04	47.84	64.10	42.42	66.88	71.90	Analyst estimates 2026–2028 Powerpack
	High	53.10	66.58	69.48	60.49	64.50	72.58	81.97	77.75	99.78	103.05
People
People	Employees	218	238	263	279	266	279	299	300	323	324
	Revenue/emp, $m	0.59	0.69	0.78	0.84	0.83	0.78	1.02	1.62	1.62	1.56
Income, $m
Income, $m	Revenue	128	163	205	234	220	219	304	485	523	506
	Gross margin, %	85.41	82.93	79.99	73.49	81.80	88.50	84.54	61.12	54.76	57.38
	EBT	60	80	99	111	97	134	179	210	184	190
	EBT margin, %	46.51	49.25	48.25	47.57	43.96	61.17	58.90	43.26	35.21	37.46
	Net income	36	43	71	78	69	95	129	150	131	134
	Depreciation	1	2	5	5	5	4	7	9	5	12
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
	Earnings	2.58	2.97	4.64	5.16	4.65	6.41	8.84	10.64	9.79	10.61
	Cash flow	3.79	3.68	6.58	5.74	6.97	8.05	9.86	12.44	12.33	13.35
	Capex	(0.05)	(0.09)	(0.18)	(0.40)	(0.10)	(0.04)	(0.02)	0.07	(0.07)	1.66
	Free cash flow	3.74	3.59	6.39	5.34	6.87	8.01	9.84	12.51	12.26	15.01
	Book value	21.47	24.59	27.67	31.21	35.30	39.47	43.24	49.31	57.18	62.69
	Shares, m	14	14	15	15	15	15	15	14	13	13
Valuation, ×
Valuation, ×	P/E	20.04	19.57	9.32	11.62	10.83	11.18	8.35	6.90	8.83	8.93
	P/S	5.59	5.15	3.19	3.86	3.41	4.88	3.54	2.13	2.21	2.28
	P/B	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/FCF	8.45	7.57	1.56	5.83	0.89	1.38	3.20	1.55	3.15	4.08
Cash, $m
Cash, $m	Operating cash flow	53	53	99	87	104	120	144	175	165	168
	Capex	(1)	(1)	(3)	(6)	(1)	(1)	0	1	(1)	21
	Free cash flow	52	52	96	80	102	119	143	176	164	189
Balance, $m
Balance, $m	Working capital	161	204	260	247	303	188	226	406	450	469
	Total debt	125	105	100	99	99	148	148	148	148	349
	Net debt	(278)	(450)	(502)	(436)	(660)	(903)	(620)	(763)	(637)	(478)
	Shareholders’ equity	298	355	417	470	525	587	630	695	763	789
Returns, %
Returns, %	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
	ROE	12.74	13.14	18.10	17.53	13.92	17.12	21.17	22.64	17.92	17.21

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
CTBI Community Trust Bancorp, Inc.	$1.4B	12.5×	11.1×	+6.97% (above 0%: growing)	+18.84% (above 0%: growing)	+217.37% (above 0%: growing)	72.12%	0.00%	Compare
PEBO Peoples Bancorp Inc.	$1.3B	11.0×	11.0×	−3.48% (below 0%: shrinking)	+31.67% (above 0%: growing)	+12.07% (above 0%: growing)	76.44%	0.00%	Compare
FMBH First Mid Bancshares, Inc.	$1.3B	12.3×	10.3×	+22.84% (above 0%: growing)	+7.14% (above 0%: growing)	+290.93% (above 0%: growing)	75.49%	0.00%	Compare
HBT HBT Financial, Inc.	$1.3B	15.2×	11.1×	+37.46% (above 0%: growing)	+26.23% (above 0%: growing)	+36.90% (above 0%: growing)	80.56%	0.00%	Compare
OSBC Old Second Bancorp, Inc.	$1.3B	14.0×	9.9×	+32.87% (above 0%: growing)	+12.24% (above 0%: growing)	−31.22% (below 0%: shrinking)	84.39%	0.00%	Compare
PFBC Preferred Bank	$1.2B	9.4×	9.2×	+1.39% (above 0%: growing)	+10.55% (above 0%: growing)	−33.29% (below 0%: shrinking)	58.34%	0.00%
AMTB Amerant Bancorp Inc.	$1.1B	20.7×	12.7×	−9.98% (below 0%: shrinking)	−1.82% (below 0%: shrinking)	−30.03% (below 0%: shrinking)	65.49%	0.00%	Compare
UVSP Univest Corporation of Pennsylvania	$1.1B	11.8×	11.2×	−0.76% (below 0%: shrinking)	+20.29% (above 0%: growing)	+4.85% (above 0%: growing)	66.82%	0.00%	Compare
HFWA Heritage Financial Corporation	$1.1B	12.9×	13.5×	+33.70% (above 0%: growing)	+16.67% (above 0%: growing)	+0.66% (above 0%: growing)	78.63%	0.00%	Compare
Median of peers	$1.3B	12.7×	11.1×	+14.91%	+17.75%	+8.46%	75.96%	0.00%

All 323 Banks Regional stocks →

Preferred Bank (PFBC) key facts

Concern: Preferred Bank’s revenue for fiscal 2025 (year ended December 2025) was $506.0 million, down 3.19% from fiscal 2024.
Strength: Net income was $133.6 million, or $10.61 per share (basic), a net margin of 26.4%.
Preferred Bank (PFBC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, PFBC traded at $104.43, a market capitalization of $1.2 billion.
At that price the stock trades at 9.4× trailing-twelve-month earnings and 2.4× sales; its P/E is higher than 38% of its own readings over the past ten years.
Preferred Bank pays an annual dividend of $3.20 per share, a yield of 3.06%, with a payout ratio of 29.3%.
Return on equity was 17.2% and debt-to-equity 0.44.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.