PREFERRED BANK/LOS ANGELES (PFBC) Fundamental Analysis & Valuation
NASDAQ:PFBC • US7403674044
Current stock price
90.03 USD
+0.22 (+0.24%)
Last:
This PFBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. PFBC Profitability Analysis
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.
- In the past 5 years PFBC always reported a positive cash flow from operatings.
1.2 Ratios
- PFBC has a better Return On Assets (1.76%) than 93.16% of its industry peers.
- PFBC's Return On Equity of 16.93% is amongst the best of the industry. PFBC outperforms 95.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.76% | ||
| ROE | 16.93% | ||
| 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 46.03%, PFBC belongs to the top of the industry, outperforming 98.95% 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) | 46.03% | ||
| 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. PFBC Health Analysis
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.
- Compared to 1 year ago, PFBC has an improved debt to assets ratio.
2.2 Solvency
- PFBC has a debt to FCF ratio of 0.89. This is a very positive value and a sign of high solvency as it would only need 0.89 years to pay back of all of its debts.
- With a decent Debt to FCF ratio value of 0.89, PFBC is doing good in the industry, outperforming 71.05% 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 45.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.89 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.8%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. PFBC Growth Analysis
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.
- Looking at the last year, PFBC shows a small growth in Revenue. The Revenue has grown by 1.45% in the last year.
- Measured over the past years, PFBC shows a quite strong growth in Revenue. The Revenue has been growing by 10.00% on average per year.
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
- The Earnings Per Share is expected to grow by 4.19% on average over the next years.
- PFBC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.99% yearly.
EPS Next Y1.94%
EPS Next 2Y4.19%
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.
- 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. PFBC Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 8.67, the valuation of PFBC can be described as very reasonable.
- PFBC's Price/Earnings ratio is rather cheap when compared to the industry. PFBC is cheaper than 89.21% of the companies in the same industry.
- When comparing the Price/Earnings ratio of PFBC to the average of the S&P500 Index (24.75), we can say PFBC is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 8.51, the valuation of PFBC can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of PFBC indicates a rather cheap valuation: PFBC is cheaper than 82.89% of the companies listed in the same industry.
- PFBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.10.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.67 | ||
| Fwd PE | 8.51 |
4.2 Price Multiples
- PFBC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PFBC is cheaper than 87.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.55 | ||
| 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)4.48
PEG (5Y)0.5
EPS Next 2Y4.19%
EPS Next 3YN/A
5. PFBC Dividend Analysis
5.1 Amount
- PFBC has a Yearly Dividend Yield of 3.56%. Purely for dividend investing, there may be better candidates out there.
- PFBC's Dividend Yield is a higher than the industry average which is at 2.66.
- Compared to an average S&P500 Dividend Yield of 1.89, PFBC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.56% |
5.2 History
- The dividend of PFBC is nicely growing with an annual growth rate of 20.93%!
- 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)20.93%
Div Incr Years4
Div Non Decr Years10
5.3 Sustainability
- 28.62% of the earnings are spent on dividend by PFBC. This is a low number and sustainable payout ratio.
- The dividend of PFBC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP28.62%
EPS Next 2Y4.19%
EPS Next 3YN/A
PFBC Fundamentals: All Metrics, Ratios and Statistics
NASDAQ:PFBC (3/31/2026, 10:21:31 AM)
90.03
+0.22 (+0.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22 2026-01-22/bmo
Earnings (Next)04-21 2026-04-21
Inst Owners87.54%
Inst Owner Change-10.37%
Ins Owners8.39%
Ins Owner ChangeN/A
Market Cap1.09B
Revenue(TTM)290.34M
Net Income(TTM)133.63M
Analysts74.55
Price Target104.04 (15.56%)
Short Float %9.55%
Short Ratio9.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.56% |
Yearly Dividend3.02
Dividend Growth(5Y)20.93%
DP28.62%
Div Incr Years4
Div Non Decr Years10
Ex-Date01-06 2026-01-06 (0.8)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.32%
Min EPS beat(2)-1.79%
Max EPS beat(2)8.42%
EPS beat(4)2
Avg EPS beat(4)0.49%
Min EPS beat(4)-6.33%
Max EPS beat(4)8.42%
EPS beat(8)5
Avg EPS beat(8)-0.21%
EPS beat(12)8
Avg EPS beat(12)0.55%
EPS beat(16)12
Avg EPS beat(16)1.52%
Revenue beat(2)2
Avg Revenue beat(2)1.63%
Min Revenue beat(2)1.3%
Max Revenue beat(2)1.96%
Revenue beat(4)2
Avg Revenue beat(4)-1.99%
Min Revenue beat(4)-9.55%
Max Revenue beat(4)1.96%
Revenue beat(8)5
Avg Revenue beat(8)-0.79%
Revenue beat(12)6
Avg Revenue beat(12)-1.13%
Revenue beat(16)10
Avg Revenue beat(16)0.36%
PT rev (1m)-0.65%
PT rev (3m)-5.56%
EPS NQ rev (1m)-0.11%
EPS NQ rev (3m)1.15%
EPS NY rev (1m)-0.3%
EPS NY rev (3m)0.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.32%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.46%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.67 | ||
| Fwd PE | 8.51 | ||
| P/S | 3.76 | ||
| P/FCF | 6.55 | ||
| P/OCF | 6.5 | ||
| P/B | 1.38 | ||
| P/tB | 1.38 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.38
EY11.53%
EPS(NY)10.58
Fwd EY11.75%
FCF(TTM)13.75
FCFY15.27%
OCF(TTM)13.86
OCFY15.4%
SpS23.94
BVpS65.08
TBVpS65.08
PEG (NY)4.48
PEG (5Y)0.5
Graham Number123.29
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.76% | ||
| ROE | 16.93% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 46.03% | ||
| GM | N/A | ||
| FCFM | 57.45% |
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-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.89 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 77.29% | ||
| Cap/Sales | 0.47% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 124.81% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC18.8%
ROIC/WACCN/A
Cap/Depr(3y)86.81%
Cap/Depr(5y)62.61%
Cap/Sales(3y)0.53%
Cap/Sales(5y)0.41%
Profit Quality(3y)121.77%
Profit Quality(5y)120.33%
High Growth Momentum
Growth
EPS 1Y (TTM)7.79%
EPS 3Y5.98%
EPS 5Y17.37%
EPS Q2Q%24%
EPS Next Y1.94%
EPS Next 2Y4.19%
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 1Y1.94%
FCF growth 3Y5.16%
FCF growth 5Y10.27%
OCF growth 1Y2.2%
OCF growth 3Y5.35%
OCF growth 5Y10.13%
PREFERRED BANK/LOS ANGELES / PFBC Fundamental Analysis 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 7 / 10 and the dividend payout ratio is 28.62%.