Preferred Bank/$PFBC
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Capital at risk
About Preferred Bank
Preferred Bank is a commercial bank located in California. Its products and services are divided into Personal Banking, Business Banking, and Commercial Banking, which include Checking accounts, Savings accounts, CDs, Loans and Credit, Electronic banking, and Treasury Management. It provides personalized deposit services, real estate finance, commercial loans, and trade finance credit facilities to small and mid-sized businesses and their owners, entrepreneurs, real estate developers and investors, professionals, and high-net-worth individuals.
- Ticker
- $PFBC
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 324
- Headquarters
- Los Angeles, United States
- Website
- www.preferredbank.com
Preferred Bank Metrics
BasicAdvanced
$1.3B
9.77
$10.82
0.56
$3.20
3.03%
Price and volume
Market cap
$1.3B
Beta
0.56
52-week high
$112.26
52-week low
$81.50
Average daily volume
134K
Dividend rate
$3.20
Financial strength
Profitability
Net profit margin (TTM)
46.66%
Operating margin (TTM)
68.40%
Effective tax rate (TTM)
30.32%
Revenue per employee (TTM)
$880,000
Management effectiveness
Return on assets (TTM)
1.73%
Return on equity (TTM)
16.89%
Valuation
Price to earnings (TTM)
9.765
Price to revenue (TTM)
4.467
Price to book
1.58
Price to tangible book (TTM)
1.58
Dividend yield (TTM)
3.03%
Forward dividend yield
3.03%
Growth
Revenue change (TTM)
2.01%
Earnings per share change (TTM)
9.61%
3-year revenue growth (CAGR)
-0.20%
3-year earnings per share growth (CAGR)
0.59%
10-year earnings per share growth (CAGR)
16.27%
3-year dividend per share growth (CAGR)
13.30%
10-year dividend per share growth (CAGR)
18.22%
What the Analysts think about Preferred Bank
Analyst ratings (Buy, Hold, Sell) for Preferred Bank stock.
Analyst projections of the future price of Preferred Bank stock.
Bulls say / Bears say
Preferred Bank remains highly profitable, with a 16.18% return on average equity and a 30.9% efficiency ratio in the third quarter. These results show it is still converting its business into strong earnings despite recent margin pressure. (Preferred Bank)
The balance sheet has continued to expand year to date: deposits rose by $204 million and loans by about $201 million from year-end through September. Management also reported a stronger loan pipeline entering the fourth quarter, which could support further growth. (Preferred Bank)
The latest large troubled property loan is under contract to be sold at par, and the bank reported no significant loss content in this commercial property group, with an average loan-to-value ratio of 60.8%. Third-quarter net charge-offs were negligible, providing some evidence that weak credits may be contained without large realised losses. (Preferred Bank)
Net interest margin fell to 3.49% from 3.92% a year earlier, while quarterly net interest income was down $4.6 million year on year. The bank also faces a higher cost on subordinated debt after its coupon reset from 3.375% to 6.44%. (Preferred Bank)
Non-accrual and seriously past-due loans rose to $109.4 million from $51.3 million at year-end, and management said some planned loan resolutions are delayed by bankruptcy proceedings into 2027. The allowance covers only 0.75 times non-performing loans, leaving credit workout timing and potential losses important risks. (Preferred Bank)
Deposit gathering remains difficult as customers move surplus funds into Treasuries, and management expects intense competition to continue into 2027. Nearly $1.7 billion of certificates mature in the fourth quarter, creating a substantial repricing burden that could pressure funding costs and margins. (Preferred Bank, StockAnalysis)
Data summarised monthly by Lightyear AI. Last updated on 31 Oct 2026.
Preferred Bank Financial Performance
Revenues and expenses
Preferred Bank Earnings Performance
Company profitability
Upcoming events
No upcoming events
Preferred Bank News
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Funds containing Preferred Bank
Fund name | Fund size | $PFBC weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.04% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.04% |
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.04% |
iShares S&P Small Cap 600£ISP6 | $3.2B | 0.04% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.04% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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