84.19 USD
+0.65 (+0.78%)
PFBC gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. Both the profitability and the financial health of PFBC get a neutral evaluation. Nothing too spectacular is happening here. PFBC has a correct valuation and a medium growth rate. PFBC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- PFBC had positive earnings in the past year.
- PFBC had a positive operating cash flow in the past year.
- In the past 5 years PFBC has always been profitable.
- PFBC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- PFBC has a better Return On Assets (1.73%) than 93.99% of its industry peers.
- Looking at the Return On Equity, with a value of 16.64%, PFBC belongs to the top of the industry, outperforming 96.08% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.73% | ||
| ROE | 16.64% | ||
| ROIC | N/A |
ROA(3y)1.97%
ROA(5y)1.9%
ROE(3y)18.54%
ROE(5y)18.46%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 45.26%, PFBC belongs to the top of the industry, outperforming 98.69% of the companies in the same industry.
- In the last couple of years the Profit Margin of PFBC has grown nicely.
- The Operating Margin and Gross Margin are not available for PFBC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 45.26% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.76%
PM growth 5Y3.67%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- PFBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, PFBC has less shares outstanding
- The number of shares outstanding for PFBC has been reduced compared to 5 years ago.
- The debt/assets ratio for PFBC has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of PFBC is 1.23, which is an excellent value as it means it would take PFBC, only 1.23 years of fcf income to pay off all of its debts.
- With a decent Debt to FCF ratio value of 1.23, PFBC is doing good in the industry, outperforming 60.31% of the companies in the same industry.
- PFBC has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
- With a Debt to Equity ratio value of 0.19, PFBC perfoms like the industry average, outperforming 44.39% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.23 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC21.99%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- PFBC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.79%.
- The Earnings Per Share has been growing by 17.37% on average over the past years. This is quite good.
- PFBC shows a small growth in Revenue. In the last year, the Revenue has grown by 1.45%.
- PFBC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.00% yearly.
EPS 1Y (TTM)7.79%
EPS 3Y5.98%
EPS 5Y17.37%
EPS Q2Q%24%
Revenue 1Y (TTM)1.45%
Revenue growth 3Y4.11%
Revenue growth 5Y10%
Sales Q2Q%5.75%
3.2 Future
- Based on estimates for the next years, PFBC will show a small growth in Earnings Per Share. The EPS will grow by 4.09% on average per year.
- The Revenue is expected to grow by 7.61% on average over the next years.
EPS Next Y2.93%
EPS Next 2Y4.09%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.83%
Revenue Next 2Y7.61%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 8.11 indicates a reasonable valuation of PFBC.
- PFBC's Price/Earnings ratio is rather cheap when compared to the industry. PFBC is cheaper than 93.47% of the companies in the same industry.
- When comparing the Price/Earnings ratio of PFBC to the average of the S&P500 Index (27.25), we can say PFBC is valued rather cheaply.
- PFBC is valuated cheaply with a Price/Forward Earnings ratio of 7.88.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of PFBC indicates a rather cheap valuation: PFBC is cheaper than 91.38% of the companies listed in the same industry.
- PFBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.98, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.11 | ||
| Fwd PE | 7.88 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, PFBC is valued a bit cheaper than 77.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.66 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates PFBC does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.77
PEG (5Y)0.47
EPS Next 2Y4.09%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.82%, PFBC has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.64, PFBC pays a better dividend. On top of this PFBC pays more dividend than 82.51% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, PFBC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.82% |
5.2 History
- On average, the dividend of PFBC grows each year by 18.24%, which is quite nice.
- PFBC has paid a dividend for at least 10 years, which is a reliable track record.
- PFBC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)18.24%
Div Incr Years4
Div Non Decr Years10
5.3 Sustainability
- 29.65% of the earnings are spent on dividend by PFBC. This is a low number and sustainable payout ratio.
- PFBC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP29.65%
EPS Next 2Y4.09%
EPS Next 3YN/A
PREFERRED BANK/LOS ANGELES / PFBC FAQ
Can you provide the ChartMill fundamental rating for PREFERRED BANK/LOS ANGELES?
ChartMill assigns a fundamental rating of 5 / 10 to PFBC.
What is the valuation status for PFBC stock?
ChartMill assigns a valuation rating of 6 / 10 to PREFERRED BANK/LOS ANGELES (PFBC). This can be considered as Fairly Valued.
What is the profitability of PFBC stock?
PREFERRED BANK/LOS ANGELES (PFBC) has a profitability rating of 5 / 10.
What is the financial health of PREFERRED BANK/LOS ANGELES (PFBC) stock?
The financial health rating of PREFERRED BANK/LOS ANGELES (PFBC) is 4 / 10.
Is the dividend of PREFERRED BANK/LOS ANGELES sustainable?
The dividend rating of PREFERRED BANK/LOS ANGELES (PFBC) is 8 / 10 and the dividend payout ratio is 29.65%.