Financhill
Buy
56

PFBC Quote, Financials, Valuation and Earnings

Last price:
$99.77
Seasonality move :
7.17%
Day range:
$98.91 - $100.44
52-week range:
$71.90 - $103.05
Dividend yield:
3.02%
P/E ratio:
10.03x
P/S ratio:
2.58x
P/B ratio:
1.56x
Volume:
45.4K
Avg. volume:
80.1K
1-year change:
14.78%
Market cap:
$1.2B
Revenue:
$520.4M
EPS (TTM):
$9.90
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Revenue $220.3M $218.8M $301.4M $481.8M $520.4M
Revenue Growth (YoY) -5.43% -0.7% 37.78% 59.83% 8.03%
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin -- -- -- -- --
Other Inc / (Exp) -$761K $41K $297K -$5M --
Operating Expenses -$96.9M -$133.8M -$179.2M -$209.9M -$184M
Operating Income $96.9M $133.8M $179.2M $209.9M $184M
 
Net Interest Expenses $6.1M $6.3M $5.3M $9.1M $5.3M
EBT. Incl. Unusual Items $96.9M $133.8M $179.2M $209.9M $184M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $27.4M $38.6M $50.4M $59.8M $53.4M
Net Income to Company $69.5M $95.2M $128.8M $150M $130.7M
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $69.3M $95.2M $128.8M $150M $130.7M
 
Basic EPS (Cont. Ops) $4.65 $6.41 $8.84 $10.64 $9.79
Diluted EPS (Cont. Ops) $4.65 $6.41 $8.70 $10.52 $9.64
Weighted Average Basic Share $14.9M $14.9M $14.6M $14.1M $13.3M
Weighted Average Diluted Share $14.9M $14.9M $14.8M $14.3M $13.6M
 
EBITDA -- -- -- -- --
EBIT $137M $159M $226.2M $398.5M $420.5M
 
Revenue (Reported) $220.3M $218.8M $301.4M $481.8M $520.4M
Operating Income (Reported) $96.9M $133.8M $179.2M $209.9M $184M
Operating Income (Adjusted) $137M $159M $226.2M $398.5M $420.5M
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Revenue $56.4M $80.3M $128.4M $131M $130.1M
Revenue Growth (YoY) 3.7% 42.38% 59.87% 2.03% -0.7%
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin -- -- -- -- --
Other Inc / (Exp) $41K -- -- -- --
Operating Expenses -$36.7M -$48.9M -$53.4M -$47M -$51M
Operating Income $36.7M $48.9M $53.4M $47M $51M
 
Net Interest Expenses $1.3M $1.3M $2.9M $1.3M $3.1M
EBT. Incl. Unusual Items $36.7M $48.9M $53.4M $47M $51M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $10.5M $13.7M $15.2M $13.6M $15M
Net Income to Company $26.1M $35.2M $38.2M $33.4M --
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $26.1M $35.2M $38.2M $33.4M $35.9M
 
Basic EPS (Cont. Ops) $1.76 $2.44 $2.74 $2.50 $2.90
Diluted EPS (Cont. Ops) $1.76 $2.40 $2.71 $2.46 $2.84
Weighted Average Basic Share $14.9M $14.4M $13.9M $13.3M $12.4M
Weighted Average Diluted Share $14.9M $14.6M $14.1M $13.5M $12.6M
 
EBITDA -- -- -- -- --
EBIT $42.5M $60.5M $106M $107.6M $106.5M
 
Revenue (Reported) $56.4M $80.3M $128.4M $131M $130.1M
Operating Income (Reported) $36.7M $48.9M $53.4M $47M $51M
Operating Income (Adjusted) $42.5M $60.5M $106M $107.6M $106.5M
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Revenue $217M $259.1M $454.1M $517.9M $502.1M
Revenue Growth (YoY) -- -- -- -- --
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin -- -- -- -- --
Other Inc / (Exp) -$622K -- -$3.8M -$929K --
Operating Expenses -$125.4M -$161.7M -$214.7M -$191.6M -$185.7M
Operating Income $125.4M $161.7M $214.7M $191.6M $185.7M
 
Net Interest Expenses $6.5M $5.3M $9.1M $5.3M $8.2M
EBT. Incl. Unusual Items $125.4M $161.7M $214.7M $191.6M $182.7M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $35.7M $46M $60.9M $55.3M $53.7M
Net Income to Company $89.7M $115.7M $153.8M $136.3M --
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $89.7M $115.7M $153.8M $136.3M $129M
 
Basic EPS (Cont. Ops) $6.01 $7.90 $10.77 $10.13 $10.08
Diluted EPS (Cont. Ops) $6.01 $7.81 $10.63 $9.98 $9.90
Weighted Average Basic Share
Weighted Average Diluted Share
 
EBITDA -- -- -- -- --
EBIT $152.8M $189.9M $372M $426.9M $400.4M
 
Revenue (Reported) $217M $259.1M $454.1M $517.9M $502.1M
Operating Income (Reported) $125.4M $161.7M $214.7M $191.6M $185.7M
Operating Income (Adjusted) $152.8M $189.9M $372M $426.9M $400.4M
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Revenue $162M $202.3M $355M $391.1M $372.7M
Revenue Growth (YoY) -- -- -- -- --
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin -- -- -- -- --
Other Inc / (Exp) $41K -- -$4.1M -- --
Operating Expenses -$96.4M -$124.3M -$159.7M -$141.5M -$143.1M
Operating Income $96.4M $124.3M $159.7M $141.5M $143.1M
 
Net Interest Expenses $5M $4M $7.8M $4M $6.8M
EBT. Incl. Unusual Items $96.4M $124.3M $159.7M $141.5M $140.2M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $27.5M $35M $45.5M $41M $41.3M
Net Income to Company $68.8M $89.3M $114.2M $100.4M $62.9M
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $68.8M $89.3M $114.2M $100.4M $98.8M
 
Basic EPS (Cont. Ops) $4.61 $6.10 $8.01 $7.50 $7.79
Diluted EPS (Cont. Ops) $4.61 $6.01 $7.92 $7.38 $7.65
Weighted Average Basic Share $44.8M $44M $42.8M $40.2M $38.2M
Weighted Average Diluted Share $44.8M $44.6M $43.3M $40.8M $38.9M
 
EBITDA -- -- -- -- --
EBIT $116.1M $147M $292.8M $321.3M $301.1M
 
Revenue (Reported) $162M $202.3M $355M $391.1M $372.7M
Operating Income (Reported) $96.4M $124.3M $159.7M $141.5M $143.1M
Operating Income (Adjusted) $116.1M $147M $292.8M $321.3M $301.1M
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Cash and Equivalents $739.5M $1B $747.5M $890.9M $765.5M
Short Term Investments $239.7M $451.9M $428.3M $313.8M $3K
Accounts Receivable, Net $23.7M $14.6M $23.6M $33.9M $33.6M
Inventory -- -- -- -- --
Prepaid Expenses -- -- -- -- --
Other Current Assets -- -- -- -- --
Total Current Assets $786.8M $1.1B $814.8M $964.2M $836.3M
 
Property Plant And Equipment $27.9M $32.5M $30.7M $31.7M $21.6M
Long-Term Investments $15M $15M $15M $80.6M $75.6M
Goodwill -- -- -- -- --
Other Intangibles -- -- -- -- --
Other Long-Term Assets -- -- -- -- --
Total Assets $5.2B $6.1B $6.4B $6.7B $6.9B
 
Accounts Payable $1.2M $715K $2.6M $16.1M $16.5M
Accrued Expenses -- -- -- -- --
Current Portion Of Long-Term Debt -- -- -- -- --
Current Portion Of Capital Lease Obligations -- -- -- -- --
Other Current Liabilities -- -- -- -- --
Total Current Liabilities $2.7B $3.4B $3.5B $5.7B $5.7B
 
Long-Term Debt $114.2M $166.6M $164.6M $163.1M $161.2M
Capital Leases -- -- -- -- --
Total Liabilities $4.6B $5.5B $5.8B $6B $6.2B
 
Common Stock $210.9M $210.9M $210.9M $210.9M $210.9M
Other Common Equity Adj -- -- -- -- --
Common Equity $525.4M $586.7M $630.4M $695.1M $763.2M
Total Preferred Equity -- -- -- -- --
Minority Interest, Total -- -- -- -- --
Total Equity $525.4M $586.7M $630.4M $695.1M $763.2M
 
Total Liabilities and Equity $5.2B $6.1B $6.4B $6.7B $6.9B
Cash and Short Terms $979.1M $1.5B $1.2B $1.2B $765.5M
Total Debt $114.2M $166.6M $164.6M $163.1M $161.2M
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Cash and Equivalents $1.1B $729.5M $998.5M $782.4M $795.5M
Short Term Investments $461.4M $377.5M $335.6M $337.4M --
Accounts Receivable, Net $16.6M $19M $33.6M $35.6M --
Inventory -- -- -- -- --
Prepaid Expenses -- -- -- -- --
Other Current Assets -- -- -- -- --
Total Current Assets $1.1B $804.6M $1.1B $856.7M $909.7M
 
Property Plant And Equipment $31.6M $31.4M $29.2M $39.7M $34.8M
Long-Term Investments $15M $15M $69.7M $73.2M $88.9M
Goodwill -- -- -- -- --
Other Intangibles -- -- -- -- --
Other Long-Term Assets -- -- -- -- --
Total Assets $6B $6.3B $6.6B $6.9B $7.5B
 
Accounts Payable $2.1M $2.2M $12.5M $16M --
Accrued Expenses -- -- -- -- --
Current Portion Of Long-Term Debt -- -- -- -- --
Current Portion Of Capital Lease Obligations -- -- -- -- --
Other Current Liabilities -- -- -- -- --
Total Current Liabilities $3.2B $3.6B $2.9B $2.7B $2.9B
 
Long-Term Debt $168.6M $168.6M $165.5M $173.9M $379M
Capital Leases -- -- -- -- --
Total Liabilities $5.4B $5.7B $6B $6.1B $6.7B
 
Common Stock $210.9M $210.9M $210.9M $210.9M $210.9M
Other Common Equity Adj -- -- -- -- --
Common Equity -- -- -- -- --
Total Preferred Equity -- -- -- -- --
Minority Interest, Total -- -- -- -- --
Total Equity $562M $590.6M $670.5M $750.1M $775.6M
 
Total Liabilities and Equity $6B $6.3B $6.6B $6.9B $7.5B
Cash and Short Terms $1.5B $1.1B $1.3B $1.1B --
Total Debt $168.6M $168.6M $165.5M $173.9M $379M
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Net Income to Stockholders $69.5M $95.2M $128.8M $150M $130.7M
Depreciation & Amoritzation $1.9M $1.9M $1.9M $1.7M $2.2M
Stock-Based Compensation $8.9M $9.1M $8.4M $5.8M $9.2M
Change in Accounts Receivable -$2.3M $7.9M -$8.6M -$14.1M $9.9M
Change in Inventories -- -- -- -- --
Cash From Operations $103.8M $119.6M $143.8M $175M $164.5M
 
Capital Expenditures $1.5M $603K $15.7M $2.4M $919K
Cash Acquisitions -- -- -- -- --
Cash From Investing -$318.8M -$620M -$699.9M -$97.6M -$421.6M
 
Dividends Paid (Ex Special Dividend) $17.9M $21.4M $25.1M $31.1M $37.5M
Special Dividend Paid
Long-Term Debt Issued -- $147.6M -- -- --
Long-Term Debt Repaid -- -$100M -- -- --
Repurchase of Common Stock $2.4M $17.7M $33.3M $55.2M $38.2M
Other Financing Activities -- -- -- -- --
Cash From Financing $438.8M $791.5M $273.1M $66M $131.8M
 
Beginning Cash (CF) $535.6M $759.5M $1.1B $767.5M $910.9M
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions $223.8M $291.1M -$283.1M $143.3M -$125.3M
Ending Cash (CF) $759.5M $1.1B $767.5M $910.9M $785.5M
 
Levered Free Cash Flow $102.3M $119M $128.1M $172.6M $163.6M
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Net Income to Stockholders $26.1M $35.2M $38.2M $33.4M --
Depreciation & Amoritzation -- -- -- -- --
Stock-Based Compensation $1.4M $1.4M $1.3M $1.8M $2.2M
Change in Accounts Receivable $7M -$633K -$4.8M -$1.4M --
Change in Inventories -- -- -- -- --
Cash From Operations $41.1M $45.2M $59.1M $55.2M $11M
 
Capital Expenditures $226K $1.2M $319K $212K $162K
Cash Acquisitions -- -- -- -- --
Cash From Investing -$229.3M -$86.8M $862K -$142.1M -$127.4M
 
Dividends Paid (Ex Special Dividend) $5.7M $6.3M $7.8M $9.3M $9.3M
Special Dividend Paid -- -- -- -- --
Long-Term Debt Issued -$140K -- -$150M -- --
Long-Term Debt Repaid -- -- -- -- --
Repurchase of Common Stock $17.5M $19M $25.1M $5.4M $6.4M
Other Financing Activities -- -- -- -- --
Cash From Financing $374.3M $22.4M -$88.6M -$25.8M $135.6M
 
Beginning Cash (CF) $896.5M $768.7M $1B $917.7M --
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions $186.2M -$19.2M -$28.6M -$112.7M $19.2M
Ending Cash (CF) $1.1B $749.5M $1B $805M --
 
Levered Free Cash Flow $40.9M $44.1M $58.8M $55M $10.8M
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Net Income to Stockholders $89.7M $115.7M $153.8M $136.3M --
Depreciation & Amoritzation $1.9M $1.9M $1.7M $2.1M --
Stock-Based Compensation $8.1M $9.7M $8.2M -- $10.2M
Change in Accounts Receivable $13.4M -$711K -$13M -$12.4M --
Change in Inventories -- -- -- -- --
Cash From Operations $125.4M $136.4M $211.2M -- $121.5M
 
Capital Expenditures $1.1M $15.7M $1.1M $1.6M $442K
Cash Acquisitions -- -- -- -- --
Cash From Investing -$639.5M -$673.5M -$92.4M -- -$551.3M
 
Dividends Paid (Ex Special Dividend) $20.3M $24.5M $29.8M -- $38.3M
Special Dividend Paid
Long-Term Debt Issued -- -- -- -- --
Long-Term Debt Repaid -- -- -- -- --
Repurchase of Common Stock $17.8M $33.3M $44.9M -- $83.4M
Other Financing Activities -- -- -- -- --
Cash From Financing $789M $204M $152.9M -- $440.3M
 
Beginning Cash (CF) -- -- -- -- --
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions $274.8M -$333.2M $271.6M -- $10.5M
Ending Cash (CF) -- -- -- -- --
 
Levered Free Cash Flow $124.3M $120.7M $210.1M -- $121.1M
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Net Income to Stockholders $68.8M $89.3M $114.2M $100.4M $62.9M
Depreciation & Amoritzation $455K $486K $426K $573K $949K
Stock-Based Compensation $4.1M $4.7M $4.5M $1.8M $8.1M
Change in Accounts Receivable $3.1M -$5.5M -$9.8M -$8.1M -$13M
Change in Inventories -- -- -- -- --
Cash From Operations $90.4M $107.2M $174.6M $55.2M $81.2M
 
Capital Expenditures $543K $15.6M $1M $212K $670K
Cash Acquisitions -- -- -- -- --
Cash From Investing -$532.8M -$586.3M $21.2M -$142.1M -$458.2M
 
Dividends Paid (Ex Special Dividend) $15.8M $19M $23.6M $9.3M $29M
Special Dividend Paid -- -- -- -- --
Long-Term Debt Issued $147.6M -- -- -- $200M
Long-Term Debt Repaid -$100M -- -- -- --
Repurchase of Common Stock $17.7M $33.2M $44.9M $5.4M $76.9M
Other Financing Activities -- -- -- -- --
Cash From Financing $765.5M $178M $57.8M -$25.8M $407M
 
Beginning Cash (CF) $2.6B $2.8B $2.7B $2.8B $1.7B
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions $323.2M -$301.1M $253.6M -$112.7M $29.9M
Ending Cash (CF) $2.9B $2.5B $3B $2.7B $1.7B
 
Levered Free Cash Flow $89.9M $91.6M $173.6M $55M $80.5M

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