PFBC Fundamental Analysis - PREFERRED BANK/LOS ANGELES

Fundamental Rating

Overall PFBC gets a fundamental rating of 3 out of 10. We evaluated PFBC against 392 industry peers in the Banks industry. There are concerns on the financial health of PFBC while its profitability can be described as average. PFBC has a valuation in line with the averages, but on the other hand it scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year PFBC was profitable.

In the past 5 years PFBC has always been profitable.

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

1.2 Ratios

PFBC's Return On Assets of 1.73% is amongst the best of the industry. PFBC outperforms 93.62% of its industry peers.

PFBC has a better Return On Equity (16.86%) than 96.68% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.73%
ROE	16.86%
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 has a Profit Margin of 44.65%. This is amongst the best in the industry. PFBC outperforms 98.47% of its industry peers.

In the last couple of years the Profit Margin of PFBC has remained more or less at the same level.

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)	44.65%
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.

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/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.

Looking at the Debt to Equity ratio, with a value of 0.20, PFBC is in line with its industry, outperforming 42.09% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.2
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC20.7%

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 -7.53%.

PFBC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.25% yearly.

Looking at the last year, PFBC shows a decrease in Revenue. The Revenue has decreased by -2.11% in the last year.

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

EPS 1Y (TTM)-7.53%

EPS 3Y14.47%

EPS 5Y13.25%

EPS Q2Q%1.61%

Revenue 1Y (TTM)-2.11%

Revenue growth 3Y13.92%

Revenue growth 5Y10.71%

Sales Q2Q%1.16%

3.2 Future

PFBC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.66% yearly.

The Revenue is expected to grow by 1.43% on average over the next years.

EPS Next Y4.05%

EPS Next 2Y2.66%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-0.51%

Revenue Next 2Y1.43%

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 9.80, the valuation of PFBC can be described as reasonable.

Based on the Price/Earnings ratio, PFBC is valued cheaper than 84.18% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.20, PFBC is valued rather cheaply.

A Price/Forward Earnings ratio of 9.14 indicates a reasonable valuation of PFBC.

Based on the Price/Forward Earnings ratio, PFBC is valued a bit cheaper than the industry average as 69.64% of the companies are valued more expensively.

The average S&P500 Price/Forward Earnings ratio is at 22.71. PFBC is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	9.8
Fwd PE	9.14

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
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)2.42

PEG (5Y)0.74

EPS Next 2Y2.66%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.17%, PFBC has a reasonable but not impressive dividend return.

PFBC's Dividend Yield is comparable with the industry average which is at 3.73.

PFBC's Dividend Yield is a higher than the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	3.17%

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 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

14.74% 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.

DP14.74%

EPS Next 2Y2.66%

EPS Next 3YN/A

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PREFERRED BANK/LOS ANGELES

NASDAQ:PFBC (9/17/2025, 2:57:39 PM)

92.72

+0.62 (+0.67%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-21 2025-07-21/bmo

Earnings (Next)10-20 2025-10-20/amc

Inst Owners96.18%

Inst Owner Change-5.89%

Ins Owners8.03%

Ins Owner ChangeN/A

Market Cap1.15B

Analysts78.18

Price Target109.14 (17.71%)

Short Float %8.81%

Short Ratio12.63

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.17%

Yearly Dividend2.8

Dividend Growth(5Y)18.24%

DP14.74%

Div Incr Years4

Div Non Decr Years10

Ex-Date07-08 2025-07-08 (0.75)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-2.33%

Min EPS beat(2)-6.33%

Max EPS beat(2)1.67%

EPS beat(4)2

Avg EPS beat(4)-2.64%

Min EPS beat(4)-7.64%

Max EPS beat(4)1.73%

EPS beat(8)6

Avg EPS beat(8)-0.52%

EPS beat(12)9

Avg EPS beat(12)1.15%

EPS beat(16)13

Avg EPS beat(16)1.68%

Revenue beat(2)0

Avg Revenue beat(2)-5.61%

Min Revenue beat(2)-9.55%

Max Revenue beat(2)-1.67%

Revenue beat(4)2

Avg Revenue beat(4)-1.62%

Min Revenue beat(4)-9.55%

Max Revenue beat(4)2.45%

Revenue beat(8)3

Avg Revenue beat(8)-1.79%

Revenue beat(12)6

Avg Revenue beat(12)-0.27%

Revenue beat(16)10

Avg Revenue beat(16)0.36%

PT rev (1m)0%

PT rev (3m)15.05%

EPS NQ rev (1m)0%

EPS NQ rev (3m)5.32%

EPS NY rev (1m)2.73%

EPS NY rev (3m)3.08%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)3.55%

Revenue NY rev (1m)-1.07%

Revenue NY rev (3m)2.02%

Valuation

		Industry Rank	Sector Rank
PE	9.8
Fwd PE	9.14
P/S	4.08
P/FCF	N/A
P/OCF	N/A
P/B	1.54
P/tB	1.54
EV/EBITDA	N/A

EPS(TTM)9.46

EY10.2%

EPS(NY)10.15

Fwd EY10.95%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS22.72

BVpS60.15

TBVpS60.15

PEG (NY)2.42

PEG (5Y)0.74

Profitability

		Industry Rank	Sector Rank
ROA	1.73%
ROE	16.86%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	44.65%
GM	N/A
FCFM	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

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-ScoreN/A

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.2
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-ScoreN/A

WACC20.7%

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)-7.53%

EPS 3Y14.47%

EPS 5Y13.25%

EPS Q2Q%1.61%

EPS Next Y4.05%

EPS Next 2Y2.66%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-2.11%

Revenue growth 3Y13.92%

Revenue growth 5Y10.71%

Sales Q2Q%1.16%

Revenue Next Year-0.51%

Revenue Next 2Y1.43%

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

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