87.26 USD
-0.28 (-0.32%)
At close: Feb 3, 2026
87.26 USD
0 (0%)
After Hours: 2/3/2026, 8:00:00 PM
PFBC gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. PFBC has an average financial health and profitability rating. PFBC has a decent growth rate and is not valued too expensively. Finally PFBC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- PFBC had positive earnings in the past year.
- In the past year PFBC had a positive cash flow from operations.
- Each year in the past 5 years PFBC has been profitable.
- Of the past 5 years PFBC 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of PFBC (1.73%) is better than 93.47% of its industry peers.
- The Return On Equity of PFBC (16.64%) is better than 96.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.73% | ||
| ROE | 16.64% | ||
| ROIC | N/A |
ROA(3y)1.97%
ROA(5y)1.9%
ROE(3y)18.54%
ROE(5y)18.46%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- PFBC has a better Profit Margin (45.26%) than 98.69% of its industry peers.
- PFBC's Profit Margin has improved 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) | 45.26% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.76%
PM growth 5Y3.67%
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
- PFBC has a better debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of PFBC is 1.23, which is an excellent value as it means it would take PFBC, only 1.23 years of fcf income to pay off all of its debts.
- PFBC has a better Debt to FCF ratio (1.23) than 60.31% of its industry peers.
- A Debt/Equity ratio of 0.19 indicates that PFBC is not too dependend on debt financing.
- With a Debt to Equity ratio value of 0.19, PFBC perfoms like the industry average, outperforming 44.39% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.23 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC21.54%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 7.79% over the past year.
- PFBC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.37% yearly.
- The Revenue has been growing slightly by 1.45% in the past year.
- The Revenue has been growing by 10.00% on average over the past years. This is quite good.
EPS 1Y (TTM)7.79%
EPS 3Y5.98%
EPS 5Y17.37%
EPS Q2Q%24%
Revenue 1Y (TTM)1.45%
Revenue growth 3Y4.11%
Revenue growth 5Y10%
Sales Q2Q%5.75%
3.2 Future
- PFBC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.09% yearly.
- PFBC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.61% yearly.
EPS Next Y2.93%
EPS Next 2Y4.09%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.83%
Revenue Next 2Y7.61%
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.
4. Valuation
4.1 Price/Earnings Ratio
- PFBC is valuated reasonably with a Price/Earnings ratio of 8.41.
- Based on the Price/Earnings ratio, PFBC is valued cheaply inside the industry as 93.47% of the companies are valued more expensively.
- The average S&P500 Price/Earnings ratio is at 28.18. PFBC is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 8.17, the valuation of PFBC can be described as reasonable.
- Based on the Price/Forward Earnings ratio, PFBC is valued cheaper than 90.86% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.51. PFBC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.41 | ||
| Fwd PE | 8.17 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of PFBC indicates a somewhat cheap valuation: PFBC is cheaper than 77.81% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.97 | ||
| 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)2.87
PEG (5Y)0.48
EPS Next 2Y4.09%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- PFBC has a Yearly Dividend Yield of 3.82%.
- PFBC's Dividend Yield is rather good when compared to the industry average which is at 2.64. PFBC pays more dividend than 81.72% of the companies in the same industry.
- PFBC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.82% |
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
- PFBC pays out 29.65% 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.
DP29.65%
EPS Next 2Y4.09%
EPS Next 3YN/A
87.26
-0.28 (-0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22 2026-01-22/bmo
Earnings (Next)04-23 2026-04-23
Inst Owners87.49%
Inst Owner Change-4.81%
Ins Owners8.04%
Ins Owner ChangeN/A
Market Cap1.08B
Revenue(TTM)290.34M
Net Income(TTM)129.03M
Analysts78.18
Price Target110.16 (26.24%)
Short Float %9.36%
Short Ratio11.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.82% |
Yearly Dividend2.8
Dividend Growth(5Y)18.24%
DP29.65%
Div Incr Years4
Div Non Decr Years10
Ex-Date01-06 2026-01-06 (0.8)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.05%
Min EPS beat(2)1.67%
Max EPS beat(2)8.42%
EPS beat(4)2
Avg EPS beat(4)-0.97%
Min EPS beat(4)-7.64%
Max EPS beat(4)8.42%
EPS beat(8)6
Avg EPS beat(8)0.06%
EPS beat(12)9
Avg EPS beat(12)0.99%
EPS beat(16)13
Avg EPS beat(16)1.8%
Revenue beat(2)1
Avg Revenue beat(2)-0.18%
Min Revenue beat(2)-1.67%
Max Revenue beat(2)1.3%
Revenue beat(4)2
Avg Revenue beat(4)-1.91%
Min Revenue beat(4)-9.55%
Max Revenue beat(4)2.26%
Revenue beat(8)4
Avg Revenue beat(8)-1.47%
Revenue beat(12)6
Avg Revenue beat(12)-0.87%
Revenue beat(16)10
Avg Revenue beat(16)0.3%
PT rev (1m)0%
PT rev (3m)0.47%
EPS NQ rev (1m)2.88%
EPS NQ rev (3m)3.14%
EPS NY rev (1m)1.06%
EPS NY rev (3m)5.27%
Revenue NQ rev (1m)0.14%
Revenue NQ rev (3m)1.57%
Revenue NY rev (1m)3.54%
Revenue NY rev (3m)3.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.41 | ||
| Fwd PE | 8.17 | ||
| P/S | 3.79 | ||
| P/FCF | 8.97 | ||
| P/OCF | 8.94 | ||
| P/B | 1.39 | ||
| P/tB | 1.39 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.38
EY11.9%
EPS(NY)10.68
Fwd EY12.24%
FCF(TTM)9.72
FCFY11.14%
OCF(TTM)9.76
OCFY11.18%
SpS23.03
BVpS62.65
TBVpS62.65
PEG (NY)2.87
PEG (5Y)0.48
Graham Number120.97
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.73% | ||
| ROE | 16.64% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 45.26% | ||
| GM | N/A | ||
| FCFM | 42.23% |
ROA(3y)1.97%
ROA(5y)1.9%
ROE(3y)18.54%
ROE(5y)18.46%
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-2.76%
PM growth 5Y3.67%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.23 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 23.69% | ||
| Cap/Sales | 0.16% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 93.3% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC21.54%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)7.79%
EPS 3Y5.98%
EPS 5Y17.37%
EPS Q2Q%24%
EPS Next Y2.93%
EPS Next 2Y4.09%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.45%
Revenue growth 3Y4.11%
Revenue growth 5Y10%
Sales Q2Q%5.75%
Revenue Next Year5.83%
Revenue Next 2Y7.61%
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-1.47%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-3.12%
OCF growth 3YN/A
OCF growth 5YN/A
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.
What is the valuation status for PFBC stock?
ChartMill assigns a valuation rating of 5 / 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 is the financial health of PREFERRED BANK/LOS ANGELES (PFBC) stock?
The financial health rating of PREFERRED BANK/LOS ANGELES (PFBC) is 4 / 10.
Is the dividend of PREFERRED BANK/LOS ANGELES sustainable?
The dividend rating of PREFERRED BANK/LOS ANGELES (PFBC) is 8 / 10 and the dividend payout ratio is 29.65%.