PREFERRED BANK/LOS ANGELES (PFBC) Stock Fundamental Analysis
USA - NASDAQ:PFBC - US7403674044 - Common Stock
90.64 USD
-0.52 (-0.57%)
Taking everything into account, PFBC scores 5 out of 10 in our fundamental rating. PFBC was compared to 390 industry peers in the Banks industry. PFBC has an average financial health and profitability rating. PFBC is not valued too expensively and it also shows a decent growth rate.
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.
Each year in the past 5 years PFBC has been profitable.
In the past 5 years PFBC always reported a positive cash flow from operatings.
1.2 Ratios
PFBC has a Return On Assets of 1.73%. This is amongst the best in the industry. PFBC outperforms 94.36% of its industry peers.
PFBC has a better Return On Equity (16.86%) than 96.67% 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 better Profit Margin (44.65%) than 98.46% 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
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
The debt/assets ratio for PFBC has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of PFBC is 0.90, which is an excellent value as it means it would take PFBC, only 0.90 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 0.90, PFBC is doing good in the industry, outperforming 72.31% of the companies in the same industry.
PFBC has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
PFBC has a Debt to Equity ratio (0.20) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 0.9 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.85%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PFBC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.40%.
The Earnings Per Share has been growing by 13.25% on average over the past years. This is quite good.
The Revenue has been growing slightly by 0.07% in the past year.
Measured over the past years, PFBC shows a quite strong growth in Revenue. The Revenue has been growing by 10.71% on average per year.
EPS 1Y (TTM)-1.4%
EPS 3Y14.47%
EPS 5Y13.25%
EPS Q2Q%15.45%
Revenue 1Y (TTM)0.07%
Revenue growth 3Y13.92%
Revenue growth 5Y10.71%
Sales Q2Q%3.58%
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 1.98% on average over the next years.
EPS Next Y4.42%
EPS Next 2Y2.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.57%
Revenue Next 2Y1.98%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.21 indicates a reasonable valuation of PFBC.
Compared to the rest of the industry, the Price/Earnings ratio of PFBC indicates a rather cheap valuation: PFBC is cheaper than 83.33% of the companies listed in the same industry.
PFBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.13.
With a Price/Forward Earnings ratio of 8.93, the valuation of PFBC can be described as very reasonable.
Based on the Price/Forward Earnings ratio, PFBC is valued a bit cheaper than the industry average as 67.44% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 22.35. PFBC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.21 | ||
| Fwd PE | 8.93 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PFBC indicates a rather cheap valuation: PFBC is cheaper than 86.92% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.81 | ||
| 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)2.08
PEG (5Y)0.7
EPS Next 2Y2.66%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.31%, PFBC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.43, PFBC has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.39, PFBC pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.31% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)18.24%
Div Incr Years4
Div Non Decr Years10
5.3 Sustainability
PFBC pays out 30.36% 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.
DP30.36%
EPS Next 2Y2.66%
EPS Next 3YN/A
NASDAQ:PFBC (11/6/2025, 9:40:26 AM)
90.64
-0.52 (-0.57%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners90.53%
Inst Owner Change-0.1%
Ins Owners7.97%
Ins Owner ChangeN/A
Market Cap1.13B
Revenue(TTM)285.08M
Net Income(TTM)126.09M
Analysts78.18
Price Target109.65 (20.97%)
Short Float %8.23%
Short Ratio12.08
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.31% |
Yearly Dividend2.8
Dividend Growth(5Y)18.24%
DP30.36%
Div Incr Years4
Div Non Decr Years10
Ex-Date
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)0.47%
PT rev (3m)15.59%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.63%
EPS NY rev (1m)0.35%
EPS NY rev (3m)3.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.97%
Revenue NY rev (1m)1.08%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.21 | ||
| Fwd PE | 8.93 | ||
| P/S | 3.99 | ||
| P/FCF | 6.81 | ||
| P/OCF | 6.79 | ||
| P/B | 1.51 | ||
| P/tB | 1.51 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.84
EY10.86%
EPS(NY)10.15
Fwd EY11.2%
FCF(TTM)13.3
FCFY14.68%
OCF(TTM)13.34
OCFY14.72%
SpS22.72
BVpS60.15
TBVpS60.15
PEG (NY)2.08
PEG (5Y)0.7
Graham Number115.4
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 | 58.56% |
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
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-2.44%
PM growth 5Y0.22%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 0.9 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 24.9% | ||
| Cap/Sales | 0.17% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 131.15% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC20.85%
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)-1.4%
EPS 3Y14.47%
EPS 5Y13.25%
EPS Q2Q%15.45%
EPS Next Y4.42%
EPS Next 2Y2.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.07%
Revenue growth 3Y13.92%
Revenue growth 5Y10.71%
Sales Q2Q%3.58%
Revenue Next Year0.57%
Revenue Next 2Y1.98%
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-15.97%
FCF growth 3Y11.19%
FCF growth 5Y15.27%
OCF growth 1Y-16.1%
OCF growth 3Y11.22%
OCF growth 5Y13.72%
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.
Can you provide the valuation status for PREFERRED BANK/LOS ANGELES?
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 are the PE and PB ratios of PREFERRED BANK/LOS ANGELES (PFBC) stock?
The Price/Earnings (PE) ratio for PREFERRED BANK/LOS ANGELES (PFBC) is 9.21 and the Price/Book (PB) ratio is 1.51.
Can you provide the financial health for PFBC stock?
The financial health rating of PREFERRED BANK/LOS ANGELES (PFBC) is 4 / 10.