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

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
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% (at or above 15%: strong)
This Y EPS Growth 3.23%
Next Y EPS Growth 3.50%
Next Y revenue growth (42.41%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Source: company filings (standardised) and stockrow calculations.

Preferred Bank (PFBC) Latest News

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stockrow.com/PFBC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com