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Preferred Bank PFBC

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Price alert · PFBC

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105.65 USD -1.33 -1.24%

At close · Oct 30

105.65 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
105.63 × 2
Ask
105.89 × 2
105.37 Day range 107.84
82.72 52-week range 109.48
YTD
+11.88%
1 year
+16.39%
Open
107.73
Prev close
106.98
Mkt cap
1.25B
Vol
81.91K
Avg vol
119.47K
EPS
10.72
P/E
9.86
Div yield
2.99%
More statistics
Low
105.37
High
107.84
Forward P/E
9.29
Beta
0.56
Short ratio
8.51
Inst. own
89.05%
Dividend
3.20
Ex-div date
Oct 4, 2026
Earnings
Jan 28, 2027
50-d avg
104.81
200-d avg
98.28
1y target
116.50

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Financial health

Altman Z-Score

0.51 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 5
  • Return on Equity 5
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 3
  • P/B 2

Valuation

P/E 8.9×
FY 2016: 20.3×FY 2017: 19.6×FY 2018: 9.3×FY 2019: 11.6×FY 2020: 10.9×FY 2021: 11.2×FY 2022: 8.4×FY 2023: 6.9×FY 2024: 8.8×FY 2025: 8.9×
FY 2016 5y median 8.8× FY 2025
P/S 2.4×
FY 2016: 5.7×FY 2017: 5.2×FY 2018: 3.2×FY 2019: 3.9×FY 2020: 3.4×FY 2021: 4.9×FY 2022: 3.6×FY 2023: 2.1×FY 2024: 2.2×FY 2025: 2.4×
FY 2016 5y median 2.4× FY 2025
P/B 1.5×
FY 2016: 2.4×FY 2017: 2.4×FY 2018: 1.6×FY 2019: 1.9×FY 2020: 1.4×FY 2021: 1.8×FY 2022: 1.7×FY 2023: 1.5×FY 2024: 1.5×FY 2025: 1.5×
FY 2016 5y median 1.5× FY 2025
P/FCF 7.1×
FY 2016: 14.0×FY 2017: 16.3×FY 2018: 6.8×FY 2019: 11.2×FY 2020: 7.3×FY 2021: 9.0×FY 2022: 7.6×FY 2023: 6.0×FY 2024: 7.0×FY 2025: 7.1×
FY 2016 5y median 7.1× FY 2025
EV/EBITDA 4.0×
FY 2016: 9.1×FY 2017: 6.1×FY 2018: 2.3×FY 2019: 4.7×FY 2020: 1.3×FY 2021: 1.5×FY 2022: 2.8×FY 2023: 1.5×FY 2024: 3.0×FY 2025: 4.0×
FY 2016 5y median 2.8× FY 2025
EV/Sales 1.5×
FY 2016: 4.3×FY 2017: 3.1×FY 2018: 1.1×FY 2019: 2.3×FY 2020: 0.6×FY 2021: 0.9×FY 2022: 1.7×FY 2023: 0.6×FY 2024: 1.1×FY 2025: 1.5×
FY 2016 5y median 1.1× FY 2025
FCF Yield 14.0%
FY 2016: 7.1%FY 2017: 6.2%FY 2018: 14.7%FY 2019: 8.9%FY 2020: 13.6%FY 2021: 11.2%FY 2022: 13.2%FY 2023: 16.8%FY 2024: 14.2%FY 2025: 14.0%
FY 2016 5y median 14.0% FY 2025

Profitability

Gross Margin 55.0%
FY 2016: 80.3%FY 2017: 79.5%FY 2018: 75.0%FY 2019: 71.9%FY 2020: 70.0%FY 2021: 89.0%FY 2022: 82.0%FY 2023: 58.8%FY 2024: 52.2%FY 2025: 55.0%
FY 2016 5y median 58.8% FY 2025
Operating Margin 38.0%
FY 2016: 46.8%FY 2017: 49.4%FY 2018: 48.4%FY 2019: 47.8%FY 2020: 44.0%FY 2021: 61.2%FY 2022: 59.4%FY 2023: 43.7%FY 2024: 35.4%FY 2025: 38.0%
FY 2016 5y median 43.7% FY 2025
Net Margin 26.8%
FY 2016: 28.5%FY 2017: 26.6%FY 2018: 34.8%FY 2019: 33.6%FY 2020: 31.5%FY 2021: 43.5%FY 2022: 42.7%FY 2023: 31.1%FY 2024: 25.1%FY 2025: 26.8%
FY 2016 5y median 31.1% FY 2025
ROE 16.9%
FY 2016: 12.2%FY 2017: 12.2%FY 2018: 17.0%FY 2019: 16.7%FY 2020: 13.2%FY 2021: 16.2%FY 2022: 20.4%FY 2023: 21.6%FY 2024: 17.1%FY 2025: 16.9%
FY 2016 5y median 17.1% FY 2025
ROIC 1.8%
FY 2016: 8.1%FY 2017: 8.6%FY 2018: 12.5%FY 2019: 12.2%FY 2020: 9.9%FY 2021: 11.6%FY 2022: 14.9%FY 2023: 16.1%FY 2024: 13.2%FY 2025: 1.8%
FY 2016 5y median 13.2% FY 2025
ROA 1.8%
FY 2016: 1.1%FY 2017: 1.2%FY 2018: 1.7%FY 2019: 1.7%FY 2020: 1.4%FY 2021: 1.6%FY 2022: 2.0%FY 2023: 2.3%FY 2024: 1.9%FY 2025: 1.8%
FY 2016 5y median 1.9% FY 2025

Growth (YoY)

Revenue -4.1%
FY 2016: 28.7%FY 2017: 27.7%FY 2018: 25.2%FY 2019: 14.2%FY 2020: -5.4%FY 2021: -0.7%FY 2022: 37.8%FY 2023: 59.8%FY 2024: 8.0%FY 2025: -4.1%
FY 2016 FY 2025
Operating Income 3.0%
FY 2016: 18.9%FY 2017: 34.8%FY 2018: 22.6%FY 2019: 12.9%FY 2020: -13.1%FY 2021: 38.2%FY 2022: 33.9%FY 2023: 17.5%FY 2024: -12.6%FY 2025: 3.0%
FY 2016 FY 2025
EPS (diluted) 7.9%
FY 2016: 19.6%FY 2017: 15.6%FY 2018: 56.8%FY 2019: 11.2%FY 2020: -9.9%FY 2021: 37.8%FY 2022: 35.7%FY 2023: 20.9%FY 2024: -8.3%FY 2025: 7.9%
FY 2016 FY 2025
Free Cash Flow 1.9%
FY 2016: 98.8%FY 2017: -0.3%FY 2018: 85.7%FY 2019: -16.2%FY 2020: 26.8%FY 2021: 16.4%FY 2022: 20.5%FY 2023: 20.6%FY 2024: -5.4%FY 2025: 1.9%
FY 2016 FY 2025

Financial Health

Current Ratio 150×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 150×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 150×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 150×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.5×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.5×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA -2.2×
FY 2016: -2.9×FY 2017: -4.2×FY 2018: -4.3×FY 2019: -3.4×FY 2020: -6.3×FY 2021: -6.3×FY 2022: -3.2×FY 2023: -3.4×FY 2024: -3.2×FY 2025: -2.2×
FY 2016 5y median -3.2× FY 2025
Interest Coverage 0.9×
FY 2016: 3.2×FY 2017: 2.9×FY 2018: 2.4×FY 2019: 1.8×FY 2020: 2.4×FY 2021: 5.3×FY 2022: 3.8×FY 2023: 1.1×FY 2024: 0.8×FY 2025: 0.9×
FY 2016 5y median 1.1× FY 2025

Dividends

Dividend Yield 3.2%
FY 2016: 1.2%FY 2017: 1.3%FY 2018: 2.4%FY 2019: 2.0%FY 2020: 2.4%FY 2021: 2.0%FY 2022: 2.3%FY 2023: 3.0%FY 2024: 3.3%FY 2025: 3.2%
FY 2016 5y median 3.0% FY 2025
Payout Ratio 28.6%
FY 2016: 23.2%FY 2017: 25.4%FY 2018: 22.0%FY 2019: 23.3%FY 2020: 25.8%FY 2021: 22.5%FY 2022: 19.5%FY 2023: 20.8%FY 2024: 28.7%FY 2025: 28.6%
FY 2016 5y median 22.5% FY 2025

Annual · latest fiscal year ends 2025-12-31