PREFERRED BANK/LOS ANGELES(NASDAQ:PFBC) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, PFBC scores 5 out of 10 in our fundamental rating. PFBC was compared to 395 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 is valued correctly, 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

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.

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

1.2 Ratios

PFBC has a better Return On Assets (1.89%) than 95.95% of its industry peers.

The Return On Equity of PFBC (17.12%) is better than 95.70% of its industry peers.

		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

The Profit Margin of PFBC (45.66%) is better than 98.73% of its industry peers.

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

PFBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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.

Compared to 1 year ago, PFBC has less shares outstanding

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.

With a decent Debt to FCF ratio value of 0.91, PFBC is doing good in the industry, outperforming 75.70% 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.

PFBC has a Debt to Equity ratio (0.19) which is in line with its industry peers.

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

ROIC/WACCN/A

WACC21.23%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

PFBC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.07%.

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

PFBC shows a decrease in Revenue. In the last year, the revenue decreased by -4.78%.

The Revenue has been growing by 10.71% on average over the past years. This is quite good.

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%-2.69%

3.2 Future

The Earnings Per Share is expected to grow by 3.24% on average over the next years.

Based on estimates for the next years, PFBC will show a small growth in Revenue. The Revenue will grow by 0.71% on average per year.

EPS Next Y2.55%

EPS Next 2Y3.24%

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

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

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

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.03, the valuation of PFBC can be described as very reasonable.

Based on the Price/Earnings ratio, PFBC is valued cheaply inside the industry as 88.10% of the companies are valued more expensively.

The average S&P500 Price/Earnings ratio is at 24.85. PFBC is valued rather cheaply when compared to this.

PFBC is valuated reasonably with a Price/Forward Earnings ratio of 8.29.

Based on the Price/Forward Earnings ratio, PFBC is valued a bit cheaper than 79.49% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 20.89, PFBC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.03
Fwd PE	8.29

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, PFBC is valued cheaper than 86.84% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	6.88
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)3.54

PEG (5Y)0.68

EPS Next 2Y3.24%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

PFBC has a Yearly Dividend Yield of 3.60%. 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 3.42.

PFBC's Dividend Yield is a higher than the S&P500 average which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	3.6%

5.2 History

The dividend of PFBC is nicely growing with an annual growth rate of 18.24%!

PFBC has paid a dividend for at least 10 years, which is 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

28.70% 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.

DP28.7%

EPS Next 2Y3.24%

EPS Next 3YN/A

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PREFERRED BANK/LOS ANGELES

NASDAQ:PFBC (5/14/2025, 8:00:00 PM)

After market: 85.05 0 (0%)

85.05

-0.81 (-0.94%)

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 Change-0.09%

Ins Owners7.04%

Ins Owner ChangeN/A

Market Cap1.13B

Analysts78.18

Price Target94.86 (11.53%)

Short Float %8.55%

Short Ratio8.62

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.6%

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)-8.15%

PT rev (3m)-5.58%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0.46%

EPS NY rev (1m)-0.28%

EPS NY rev (3m)5.54%

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	9.03
Fwd PE	8.29
P/S	3.93
P/FCF	6.88
P/OCF	6.84
P/B	1.48
P/tB	1.48
EV/EBITDA	N/A

EPS(TTM)9.42

EY11.08%

EPS(NY)10.26

Fwd EY12.07%

FCF(TTM)12.36

FCFY14.53%

OCF(TTM)12.43

OCFY14.61%

SpS21.62

BVpS57.64

TBVpS57.64

PEG (NY)3.54

PEG (5Y)0.68

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

WACC21.23%

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 Y2.55%

EPS Next 2Y3.24%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-4.78%

Revenue growth 3Y13.92%

Revenue growth 5Y10.71%

Sales Q2Q%-2.69%

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

More info and screens

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens