PFBC Fundamental Analysis - PREFERRED BANK/LOS ANGELES

Fundamental Rating

Taking everything into account, PFBC scores 5 out of 10 in our fundamental rating. PFBC was compared to 392 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.

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1. Profitability

1.1 Basic Checks

In the past year PFBC was profitable.

PFBC had a positive operating cash flow in the past year.

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

In the past 5 years PFBC always reported a positive cash flow from operatings.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.73%, PFBC belongs to the top of the industry, outperforming 94.13% of the companies in the same industry.

PFBC has a Return On Equity of 16.86%. This is amongst the best in the industry. PFBC outperforms 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

Looking at the Profit Margin, with a value of 44.65%, PFBC belongs to the top of the industry, outperforming 98.47% of the companies in the same industry.

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.

The debt/assets ratio for PFBC has been reduced compared to a year ago.

2.2 Solvency

PFBC has a debt to FCF ratio of 0.90. This is a very positive value and a sign of high solvency as it would only need 0.90 years to pay back of all of its debts.

PFBC has a better Debt to FCF ratio (0.90) than 72.45% of its industry peers.

A Debt/Equity ratio of 0.20 indicates that PFBC is not too dependend on debt financing.

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	0.9
Altman-Z	N/A

ROIC/WACCN/A

WACC21.4%

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.

The Revenue has decreased by -2.11% 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)-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

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

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

With a Price/Earnings ratio of 9.20, the valuation of PFBC can be described as very reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of PFBC indicates a rather cheap valuation: PFBC is cheaper than 83.16% 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 27.02.

PFBC is valuated reasonably with a Price/Forward Earnings ratio of 8.57.

Compared to the rest of the industry, the Price/Forward Earnings ratio of PFBC indicates a somewhat cheap valuation: PFBC is cheaper than 70.15% 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 22.57.

		Industry Rank	Sector Rank
PE	9.2
Fwd PE	8.57

4.2 Price Multiples

PFBC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PFBC is cheaper than 87.76% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	6.54
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)2.27

PEG (5Y)0.69

EPS Next 2Y2.66%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.35%, PFBC has a reasonable but not impressive dividend return.

PFBC's Dividend Yield is comparable with the industry average which is at 3.59.

PFBC's Dividend Yield is a higher than the S&P500 average which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	3.35%

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 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

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PREFERRED BANK/LOS ANGELES

NASDAQ:PFBC (10/10/2025, 4:02:56 PM)

After market: 86.985 0 (0%)

86.985

-2.36 (-2.64%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)10-15 2025-10-15/amc

Inst Owners90.53%

Inst Owner Change0%

Ins Owners7.97%

Ins Owner ChangeN/A

Market Cap1.08B

Analysts78.18

Price Target109.14 (25.47%)

Short Float %8.49%

Short Ratio11.51

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.35%

Yearly Dividend2.8

Dividend Growth(5Y)18.24%

DP30.36%

Div Incr Years4

Div Non Decr Years10

Ex-Date10-07 2025-10-07 (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)4.47%

EPS NY rev (1m)0%

EPS NY rev (3m)3.08%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)3.17%

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.02%

Valuation

		Industry Rank	Sector Rank
PE	9.2
Fwd PE	8.57
P/S	3.83
P/FCF	6.54
P/OCF	6.52
P/B	1.45
P/tB	1.45
EV/EBITDA	N/A

EPS(TTM)9.46

EY10.88%

EPS(NY)10.15

Fwd EY11.67%

FCF(TTM)13.3

FCFY15.29%

OCF(TTM)13.34

OCFY15.34%

SpS22.72

BVpS60.15

TBVpS60.15

PEG (NY)2.27

PEG (5Y)0.69

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

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-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

WACC21.4%

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-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) 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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