Financhill
Sell
38

PFBC Quote, Financials, Valuation and Earnings

Last price:
$85.77
Seasonality move :
2.34%
Day range:
$82.72 - $84.30
52-week range:
$71.90 - $103.05
Dividend yield:
3.64%
P/E ratio:
8.03x
P/S ratio:
2.14x
P/B ratio:
1.30x
Volume:
166.8K
Avg. volume:
103K
1-year change:
-7.79%
Market cap:
$1B
Revenue:
$499M
EPS (TTM):
$10.44

Analysts' Opinion

  • Consensus Rating
    Preferred Bank (California) has received a consensus rating of Hold. The company's average rating is a Hold based on 1 Buy rating, 3 Hold ratings, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $102.00, Preferred Bank (California) has an estimated upside of 21.65% from its current price of $83.85.
  • Price Target Downside
    According to analysts, the lowest downside price target is $93.00 representing 100% downside risk from its current price of $83.85.

Fair Value

  • According to the consensus of 4 analysts, Preferred Bank (California) has 21.65% upside to fair value with a price target of $102.00 per share.

PFBC vs. S&P 500

  • Over the past 5 trading days, Preferred Bank (California) has underperformed the S&P 500 by -9.76% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • Preferred Bank (California) does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Preferred Bank (California) revenues have been falling on a year-over-year basis for 4 quarters in a row. In the most recent quarter Preferred Bank (California) reported revenues of $129.3M.

Earnings Growth

  • Preferred Bank (California) has grown year-over-year earnings for 3 quarters straight. In the most recent quarter Preferred Bank (California) reported earnings per share of $2.79.
Enterprise value:
1.4B
EV / Invested capital:
1.20x
Price / LTM sales:
2.14x
EV / EBIT:
3.47x
EV / Revenue:
2.80x
PEG ratio (5yr expected):
0.96x
EV / Free cash flow:
11.62x
Price / Operating cash flow:
10.71x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1.84%
Net Income Margin (TTM):
26.62%
Return On Equity:
17.33%
Return On Invested Capital:
12.54%
Operating Margin:
38.21%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-12-31 2024-12-31 2025-12-31 2024-12-31 2025-12-31
Income Statement
Revenue $481.8M $520.4M $502M $129.3M $129.3M
Gross Profit -- -- -- -- --
Operating Income $209.9M $184M $192.5M $42.6M $49.4M
EBITDA -- -- -- -- --
Diluted EPS $10.52 $9.63 $10.44 $2.25 $2.79
Period Ending 2021-12-31 2022-12-31 2023-12-31 2024-12-31 2025-12-31
Balance Sheet
Current Assets $1.1B $814.8M $964.2M $836.3M $868.2M
Total Assets $6.1B $6.4B $6.7B $6.9B $7.6B
Current Liabilities $3.4B $3.5B $5.7B $5.7B $2.9B
Total Liabilities $5.5B $5.8B $6B $6.2B $6.8B
Total Equity $586.7M $630.4M $695.1M $763.2M $789.5M
Total Debt $166.6M $164.6M $163.1M $161.2M $383.8M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Cash Flow Statement
Cash Flow Operations $211.2M -- $121.5M $55.2M $11M
Cash From Investing -$92.4M -- -$551.3M -$142.1M -$127.4M
Cash From Financing $152.9M -- $440.3M -$25.8M $135.6M
Free Cash Flow $210.1M -- $121.1M $55M $10.8M
PFBC
Sector
Market Cap
$1B
$529.8M
Price % of 52-Week High
81.37%
91.87%
Dividend Yield
3.64%
1.49%
Shareholder Yield
6.23%
2.98%
1-Year Price Total Return
-7.79%
7.23%
Beta (5-Year)
0.662
0.450
Dividend yield:
3.64%
Annualized payout:
$3.00
Payout ratio:
28.67%
Growth streak:
5 years

Technicals

8-day SMA
Sell
Level $88.33
200-day SMA
Sell
Level $90.35
Bollinger Bands (100)
Sell
Level 0 - 0
Chaikin Money Flow
Sell
Level --
20-day SMA
Sell
Level $93.00
Relative Strength Index (RSI14)
Sell
Level 30.98
ADX Line
Neutral
Level 0
Williams %R
Buy
Level -87.1795
50-day SMA
Sell
Level $94.97
MACD (12, 26)
Buy
Level 6.69
25-day Aroon Oscillator
Sell
Level -84
On Balance Volume
Neutral
Level --

Financial Scores

Sell
Altman Z-Score (Annual)
Level (-0.3246)
Sell
CA Score (Annual)
Level (-1.9926)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (5)
Sell
Ohlson Score
Level (2.7513)
Buy
Piotroski F Score (Annual)
Level (6)
Buy
Quality Ratio Score
Level (3)
Buy
Fundamental Score
Level (6)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Preferred Bank engages in offering financial services. Its services include demand, time, and savings deposits, and real estate, business, and consumer lending. The company was founded by Li Yu on September 9, 1991 and is headquartered in Los Angeles, CA.

Stock Forecast FAQ

In the current month, PFBC has received 1 Buy ratings 3 Hold ratings, and 0 Sell ratings. The PFBC average analyst price target in the past 3 months is $102.00.

  • Where Will Preferred Bank (California) Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Preferred Bank (California) share price will rise to $102.00 per share over the next 12 months.

  • What Do Analysts Say About Preferred Bank (California)?

    Analysts are divided on their view about Preferred Bank (California) share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Preferred Bank (California) is a Sell and believe this share price will drop from its current level to $93.00.

  • What Is Preferred Bank (California)'s Price Target?

    The price target for Preferred Bank (California) over the next 1-year time period is forecast to be $102.00 according to 4 Wall Street analysts, 1 of them rates the stock a Buy, 0 rate the stock a Sell, and 3 analysts rate the stock a Hold.

  • Is PFBC A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Preferred Bank (California) is a Hold. 3 of 4 analysts rate the stock a Hold at this time.

  • How Can I Buy Shares Of PFBC?

    You can purchase shares of Preferred Bank (California) via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Preferred Bank (California) shares.

  • What Is The Preferred Bank (California) Share Price Today?

    Preferred Bank (California) was last trading at $85.77 per share. This represents the most recent stock quote for Preferred Bank (California). Yesterday, Preferred Bank (California) closed at $83.85 per share.

  • How To Buy Preferred Bank (California) Stock Online?

    In order to purchase Preferred Bank (California) stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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