PFBC Fundamental Analysis - PREFERRED BANK/LOS ANGELES

Fundamental Rating

Overall PFBC gets a fundamental rating of 5 out of 10. We evaluated PFBC against 396 industry peers in the Banks industry. PFBC has only an average score on both its financial health and profitability. PFBC has a valuation in line with the averages, but it does not seem to be growing. PFBC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year PFBC was profitable.

In the past year PFBC had a positive cash flow from operations.

PFBC had positive earnings in each of the past 5 years.

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

1.2 Ratios

Looking at the Return On Assets, with a value of 1.89%, PFBC belongs to the top of the industry, outperforming 95.96% of the companies in the same industry.

Looking at the Return On Equity, with a value of 17.12%, PFBC belongs to the top of the industry, outperforming 95.71% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.89%
ROE	17.12%
ROIC	N/A

ROA(3y)2.05%

ROA(5y)1.81%

ROE(3y)19.71%

ROE(5y)17.71%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

PFBC's Profit Margin of 45.66% is amongst the best of the industry. PFBC outperforms 98.99% of its industry peers.

PFBC's Profit Margin has been stable in the last couple of years.

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)	45.66%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-2.44%

PM growth 5Y0.22%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

PFBC does not have a ROIC to compare to the WACC, probably because it is not profitable.

PFBC has less shares outstanding than it did 1 year ago.

Compared to 5 years ago, PFBC has less shares outstanding

PFBC has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of PFBC is 0.91, which is an excellent value as it means it would take PFBC, only 0.91 years of fcf income to pay off all of its debts.

PFBC's Debt to FCF ratio of 0.91 is fine compared to the rest of the industry. PFBC outperforms 76.01% of its industry peers.

A Debt/Equity ratio of 0.19 indicates that PFBC is not too dependend on debt financing.

PFBC has a Debt to Equity ratio (0.19) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.19
Debt/FCF	0.91
Altman-Z	N/A

ROIC/WACCN/A

WACC22.18%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for PFBC have decreased by -9.07% in the last year.

The Earnings Per Share has been growing by 13.25% on average over the past years. This is quite good.

Looking at the last year, PFBC shows a decrease in Revenue. The Revenue has decreased by -4.78% in the last year.

PFBC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.71% yearly.

EPS 1Y (TTM)-9.07%

EPS 3Y14.47%

EPS 5Y13.25%

EPS Q2Q%-8.61%

Revenue 1Y (TTM)-4.78%

Revenue growth 3Y13.92%

Revenue growth 5Y10.71%

Sales Q2Q%-8.53%

3.2 Future

PFBC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.82% yearly.

The Revenue is expected to grow by 0.71% on average over the next years.

EPS Next Y0.95%

EPS Next 2Y1.82%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-2.48%

Revenue Next 2Y0.71%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.80, the valuation of PFBC can be described as reasonable.

PFBC's Price/Earnings ratio is rather cheap when compared to the industry. PFBC is cheaper than 87.37% of the companies in the same industry.

When comparing the Price/Earnings ratio of PFBC to the average of the S&P500 Index (26.29), we can say PFBC is valued rather cheaply.

A Price/Forward Earnings ratio of 8.30 indicates a reasonable valuation of PFBC.

70.96% of the companies in the same industry are more expensive than PFBC, based on the Price/Forward Earnings ratio.

PFBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.17, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	8.8
Fwd PE	8.3

4.2 Price Multiples

PFBC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PFBC is cheaper than 86.62% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	6.3
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)9.29

PEG (5Y)0.66

EPS Next 2Y1.82%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.58%, PFBC has a reasonable but not impressive dividend return.

PFBC's Dividend Yield is a higher than the industry average which is at 3.46.

Compared to an average S&P500 Dividend Yield of 2.38, PFBC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.58%

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 28.70% 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.

DP28.7%

EPS Next 2Y1.82%

EPS Next 3YN/A

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PREFERRED BANK/LOS ANGELES

NASDAQ:PFBC (6/2/2025, 8:00:01 PM)

After market: 82.86 0 (0%)

82.86

-0.75 (-0.9%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-25 2025-04-25/bmo

Earnings (Next)07-23 2025-07-23/amc

Inst Owners91.15%

Inst Owner Change3.35%

Ins Owners7.04%

Ins Owner ChangeN/A

Market Cap1.03B

Analysts78.18

Price Target94.86 (14.48%)

Short Float %8.55%

Short Ratio8.62

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.58%

Yearly Dividend2.8

Dividend Growth(5Y)18.24%

DP28.7%

Div Incr Years4

Div Non Decr Years10

Ex-Date04-07 2025-04-07 (0.75)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-2.96%

Min EPS beat(2)-7.64%

Max EPS beat(2)1.73%

EPS beat(4)3

Avg EPS beat(4)-0.92%

Min EPS beat(4)-7.64%

Max EPS beat(4)1.84%

EPS beat(8)6

Avg EPS beat(8)0.59%

EPS beat(12)10

Avg EPS beat(12)1.87%

EPS beat(16)13

Avg EPS beat(16)1.87%

Revenue beat(2)2

Avg Revenue beat(2)2.36%

Min Revenue beat(2)2.26%

Max Revenue beat(2)2.45%

Revenue beat(4)3

Avg Revenue beat(4)0.41%

Min Revenue beat(4)-3.48%

Max Revenue beat(4)2.45%

Revenue beat(8)4

Avg Revenue beat(8)-0.7%

Revenue beat(12)8

Avg Revenue beat(12)1.14%

Revenue beat(16)10

Avg Revenue beat(16)0.7%

PT rev (1m)-4.62%

PT rev (3m)-8.82%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0.46%

EPS NY rev (1m)-1.56%

EPS NY rev (3m)-1.84%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.74%

Revenue NY rev (1m)-5.87%

Revenue NY rev (3m)-5.68%

Valuation

		Industry Rank	Sector Rank
PE	8.8
Fwd PE	8.3
P/S	3.6
P/FCF	6.3
P/OCF	6.26
P/B	1.35
P/tB	1.35
EV/EBITDA	N/A

EPS(TTM)9.42

EY11.37%

EPS(NY)9.98

Fwd EY12.05%

FCF(TTM)13.16

FCFY15.88%

OCF(TTM)13.24

OCFY15.97%

SpS23.02

BVpS61.4

TBVpS61.4

PEG (NY)9.29

PEG (5Y)0.66

Profitability

		Industry Rank	Sector Rank
ROA	1.89%
ROE	17.12%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	45.66%
GM	N/A
FCFM	57.17%

ROA(3y)2.05%

ROA(5y)1.81%

ROE(3y)19.71%

ROE(5y)17.71%

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-2.44%

PM growth 5Y0.22%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.19
Debt/FCF	0.91
Debt/EBITDA	N/A
Cap/Depr	42.72%
Cap/Sales	0.32%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	125.21%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC22.18%

ROIC/WACCN/A

Cap/Depr(3y)68.06%

Cap/Depr(5y)62.94%

Cap/Sales(3y)0.43%

Cap/Sales(5y)0.49%

Profit Quality(3y)117.28%

Profit Quality(5y)124.89%

High Growth Momentum

Growth

EPS 1Y (TTM)-9.07%

EPS 3Y14.47%

EPS 5Y13.25%

EPS Q2Q%-8.61%

EPS Next Y0.95%

EPS Next 2Y1.82%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-4.78%

Revenue growth 3Y13.92%

Revenue growth 5Y10.71%

Sales Q2Q%-8.53%

Revenue Next Year-2.48%

Revenue Next 2Y0.71%

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-5.42%

FCF growth 3Y11.19%

FCF growth 5Y15.27%

OCF growth 1Y-6.2%

OCF growth 3Y11.22%

OCF growth 5Y13.72%

PREFERRED BANK/LOS ANGELES (PFBC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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