PREFERRED BANK/LOS ANGELES (PFBC) Stock Fundamental Analysis

NASDAQ:PFBC • US7403674044

87.72 USD

-3.05 (-3.36%)

At close: Feb 27, 2026

87.7108 USD

-0.01 (-0.01%)

After Hours: 2/27/2026, 8:26:30 PM

Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News

Fundamental Rating

Overall PFBC gets a fundamental rating of 5 out of 10. We evaluated PFBC against 379 industry peers in the Banks industry. PFBC has an average financial health and profitability rating. PFBC has a correct valuation and a medium growth rate. Finally PFBC also has an excellent dividend rating.

Quickly go to:

1. Profitability 2. Health 3. Growth 4. Valuation 5. Dividend

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.
PFBC had positive earnings in each of the past 5 years.
Of the past 5 years PFBC 4 years had a positive operating cash flow.

1.2 Ratios

The Return On Assets of PFBC (1.73%) is better than 93.93% of its industry peers.
PFBC has a better Return On Equity (16.64%) than 95.25% of its industry peers.

		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

PFBC's Profit Margin of 45.26% is amongst the best of the industry. PFBC outperforms 98.68% of its industry peers.
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

More info and screens

ROA ROE ROIC Operating and Profit Margin Show most profitable peers

2. Health

2.1 Basic Checks

PFBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PFBC has been reduced compared to 1 year ago.
PFBC has less shares outstanding than it did 5 years ago.
PFBC has a better debt/assets ratio than last year.

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.
Looking at the Debt to FCF ratio, with a value of 1.23, PFBC is in the better half of the industry, outperforming 60.69% of the companies in the same industry.
A Debt/Equity ratio of 0.19 indicates that PFBC is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.19, PFBC perfoms like the industry average, outperforming 43.80% 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

WACC21.38%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC Debt/Equity How to determine the health of a company Altman-Z score Show peers with great health

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 7.79% over the past year.
Measured over the past years, PFBC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 17.37% on average per year.
The Revenue has been growing slightly by 1.45% in the past year.
The Revenue has been growing by 10.00% on average over the past years. This is quite good.

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 4.37% on average per year.
The Revenue is expected to grow by 5.99% on average over the next years.

EPS Next Y2.24%

EPS Next 2Y4.37%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year3.71%

Revenue Next 2Y5.99%

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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

More info and screens

Find the best growth stocks Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.45, which indicates a very decent valuation of PFBC.
PFBC's Price/Earnings ratio is rather cheap when compared to the industry. PFBC is cheaper than 92.08% of the companies in the same industry.
When comparing the Price/Earnings ratio of PFBC to the average of the S&P500 Index (27.07), we can say PFBC is valued rather cheaply.
The Price/Forward Earnings ratio is 8.27, which indicates a very decent valuation of PFBC.
Based on the Price/Forward Earnings ratio, PFBC is valued cheaper than 87.34% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 28.05, PFBC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.45
Fwd PE	8.27

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, PFBC is valued a bit cheaper than the industry average as 74.93% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	8.88
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)3.77

PEG (5Y)0.49

EPS Next 2Y4.37%

EPS Next 3YN/A

More info and screens

Price/Earnings Price/FCF FCF per share EV/EBITDA PEG RATIO Show best valued peers

5. Dividend

5.1 Amount

PFBC has a Yearly Dividend Yield of 3.53%.
Compared to an average industry Dividend Yield of 2.73, PFBC pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.82, PFBC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.53%

5.2 History

The dividend of PFBC is nicely growing with an annual growth rate of 18.24%!
PFBC has been paying a dividend for at least 10 years, so it has a reliable track record.
PFBC has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)18.24%

Div Incr Years4

Div Non Decr Years10

5.3 Sustainability

PFBC pays out 29.65% of its income as dividend. This is a sustainable payout ratio.
The dividend of PFBC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP29.65%

EPS Next 2Y4.37%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks Show peers with best dividend

PREFERRED BANK/LOS ANGELES

NASDAQ:PFBC (2/27/2026, 8:26:30 PM)

After market: 87.7108 -0.01 (-0.01%)

87.72

-3.05 (-3.36%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-22 2026-01-22/bmo

Earnings (Next)04-23 2026-04-23

Inst Owners87.49%

Inst Owner Change-10.63%

Ins Owners8.04%

Ins Owner ChangeN/A

Market Cap1.07B

Revenue(TTM)290.34M

Net Income(TTM)129.03M

Analysts76

Price Target104.72 (19.38%)

Short Float %8.92%

Short Ratio10.17

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.53%

Yearly Dividend2.8

Dividend Growth(5Y)18.24%

DP29.65%

Div Incr Years4

Div Non Decr Years10

Ex-Date01-06 2026-01-06 (0.8)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)5.05%

Min EPS beat(2)1.67%

Max EPS beat(2)8.42%

EPS beat(4)2

Avg EPS beat(4)-0.97%

Min EPS beat(4)-7.64%

Max EPS beat(4)8.42%

EPS beat(8)6

Avg EPS beat(8)0.06%

EPS beat(12)9

Avg EPS beat(12)0.99%

EPS beat(16)13

Avg EPS beat(16)1.8%

Revenue beat(2)1

Avg Revenue beat(2)-0.18%

Min Revenue beat(2)-1.67%

Max Revenue beat(2)1.3%

Revenue beat(4)2

Avg Revenue beat(4)-1.91%

Min Revenue beat(4)-9.55%

Max Revenue beat(4)2.26%

Revenue beat(8)4

Avg Revenue beat(8)-1.47%

Revenue beat(12)6

Avg Revenue beat(12)-0.87%

Revenue beat(16)10

Avg Revenue beat(16)0.3%

PT rev (1m)-4.94%

PT rev (3m)-4.5%

EPS NQ rev (1m)0%

EPS NQ rev (3m)3.14%

EPS NY rev (1m)-0.67%

EPS NY rev (3m)0.73%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.57%

Revenue NY rev (1m)-2%

Revenue NY rev (3m)1.46%

Valuation

		Industry Rank	Sector Rank
PE	8.45
Fwd PE	8.27
P/S	3.75
P/FCF	8.88
P/OCF	8.84
P/B	1.38
P/tB	1.38
EV/EBITDA	N/A

EPS(TTM)10.38

EY11.83%

EPS(NY)10.61

Fwd EY12.1%

FCF(TTM)9.88

FCFY11.27%

OCF(TTM)9.92

OCFY11.31%

SpS23.41

BVpS63.68

TBVpS63.68

PEG (NY)3.77

PEG (5Y)0.49

Graham Number121.95

Profitability

		Industry Rank	Sector Rank
ROA	1.73%
ROE	16.64%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	45.26%
GM	N/A
FCFM	42.23%

ROA(3y)1.97%

ROA(5y)1.9%

ROE(3y)18.54%

ROE(5y)18.46%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexgc growth 3YN/A

ROICexgc growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/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

F-Score4

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.19
Debt/FCF	1.23
Debt/EBITDA	N/A
Cap/Depr	23.69%
Cap/Sales	0.16%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	93.3%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC21.38%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)7.79%

EPS 3Y5.98%

EPS 5Y17.37%

EPS Q2Q%24%

EPS Next Y2.24%

EPS Next 2Y4.37%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)1.45%

Revenue growth 3Y4.11%

Revenue growth 5Y10%

Sales Q2Q%5.75%

Revenue Next Year3.71%

Revenue Next 2Y5.99%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-1.47%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-3.12%

OCF growth 3YN/A

OCF growth 5YN/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 5 / 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 7 / 10 and the dividend payout ratio is 29.65%.