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PFBCPreferred Bank
$105.22$1.2B
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PFBC logoPreferred Bank(PFBC)Earnings, Financials & Key Ratios

PFBC•NASDAQ•Banking & Credit
$105.22
10.1× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutPreferred Bank provides various commercial banking products and services to small and mid-sized businesses and their owners, entrepreneurs, real estate developers and investors, professionals, and high net worth individuals in the United States. The company accepts checking, savings, and money market deposit accounts; fixed-rate and fixed maturity retail, and non-retail certificates of deposit; and individual retirement accounts. It also provides real estate mortgage loans that are secured by retail, industrial, office, special purpose, and residential single and multi-family properties; real estate construction loans; and commercial loans comprising lines of credit for working capital, term loans for capital expenditures, and commercial and stand-by letters of credit; and SBA loans. In addition, the company offers trade finance services, including commercial and export letters of credit, import lines of credit, documentary collections, international wire transfers, acceptances/trust receipt financing products, export financing, documentary collections, and bills purchase programs. Further, it provides various high-wealth banking services to wealthy individuals residing in the Pacific Rim area; and remote deposit capture, and online and mobile banking services. Additionally, the company offers various banking services to physicians, accountants, attorneys, business managers, and other professionals; and safe deposit boxes, account reconciliation, courier service, and cash management services to the manufacturing, service, and distribution companies. As of December 31, 2021, it had eleven full-service branch offices in Alhambra, Century City, City of Industry, Torrance, Arcadia, Irvine, Diamond Bar, Pico Rivera, Tarzana, and San Francisco; and one branch in Flushing, New York. The company was incorporated in 1991 and is headquartered in Los Angeles, California.Show more
  • Net Interest Income$271M-0.7%
  • Total Revenue$499M-4.1%
  • Net Income$134M+2.3%
  • Return on Equity17.21%-3.9%
  • Net Interest Margin3.56%-9.5%
  • Efficiency Ratio16.98%+0.6%
  • ROA1.84%-4.4%
  • Equity / Assets10.39%-5.8%
  • Book Value per Share61.50+9.2%

PFBC Price & Volume

Preferred Bank (PFBC) stock price & volume — 10-year historical chart

Loading chart...

Operational Efficiency Offsets Persistent Margin Compression Risks

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Strong
Financial:Healthy
Cash Flow:Mixed
Primary Risk:CRE Concentration and Sensitivity

Key Thesis Takeaways

  • Preferred Bank maintains a disciplined operational profile, evidenced by an efficiency ratio that reached a low of 11.7% in 2023Q4, though persistent net interest margin stagnation between 0.9% and 1.0% suggests limited near-term yield expansion.
  • While the bank’s $7.7 billion asset base and $805.2 million cash position provide a stable foundation, investors should monitor the $4.3 million provision expense spike in 2025Q4 as a signal of potential credit stress within its concentrated commercial real estate portfolio.
  • The aggressive capital return strategy, highlighted by $57.2 million in 2025Q2 share buybacks, warrants caution regarding the bank's ability to maintain long-term regulatory capital buffers.

Verdict Logic

while the bank demonstrates disciplined expense management with an efficiency ratio of 19.2% in 2026Q1, the combination of stagnant 0.9% net interest margins and rising credit provisioning risks suggests a cautious outlook.

PFBC Growth Metrics

Preferred Bank (PFBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years17.55%
5 Years17.76%
3 Years18.3%
TTM-

Profit CAGR

10 Years16.21%
5 Years13.98%
3 Years1.22%
TTM5.92%

EPS CAGR

10 Years17.14%
5 Years17.49%
3 Years6.16%
TTM13.91%

Return on Capital

10 Years16.97%
5 Years17.16%
3 Years15.65%
Last Year4.42%

PFBC Recent Earnings

Preferred Bank (PFBC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
Apr 22, 2026
Metric
Actual
Est
EPS
$2.53+2.0%
$2.48
Rev
$70M-0.2%
$70M
Q1 2026
Jan 22, 2026
Metric
Actual
Est
EPS
$2.79+0.4%
$2.78
Rev
$78M+4.7%
$75M
Q4 2025
Oct 20, 2025
Metric
Actual
Est
EPS
$2.84+10.5%
$2.57
Rev
$75M+0.6%
$75M
Q3 2025
Jul 21, 2025
Metric
Actual
Est
EPS
$2.52+3.7%
$2.43
Rev
$71M-2.9%
$73M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 22, 2026
$2.53vs $2.48+2.0%
$70Mvs $70M-0.2%
Q1 2026Jan 22, 2026
$2.79vs $2.78+0.4%
$78Mvs $75M+4.7%
Q4 2025Oct 20, 2025
$2.84vs $2.57+10.5%
$75Mvs $75M+0.6%
Q3 2025Jul 21, 2025
$2.52vs $2.43+3.7%
$71Mvs $73M-2.9%
Based on last 12 quarters of dataView full earnings history →

Latest PFBC News

Recent stock market news and headlines for Preferred Bank (PFBC)

Zacks Investment Research·Jun 23, 2026
Are You Looking for a High-Growth Dividend Stock?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Preferred Bank (PFBC) have what it takes?

GlobeNewsWire·Jun 17, 2026
Preferred Bank Announces Quarterly Dividend

LOS ANGELES, June 17, 2026 (GLOBE NEWSWIRE) -- Preferred Bank (NASDAQ: PFBC), one of the larger independent commercial banks in California, today reported that the Board of Directors has declared a quarterly cash dividend of $0.80 per share, payable on July 21, 2026 to holders of record on July 7, 2026.

Peers Comparison

Key metrics vs top competitors for Preferred Bank (PFBC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
PFBC logoPFBCPreferred BankCurrent
$105.22$1.25B10.11-4.11%26.78%17.21%2.83%
HAFC logoHAFCHanmi Financial Corporation
$32.17$957.59M12.823.55%18.42%10.31%—
EWBC logoEWBCEast West Bancorp, Inc.
$130.49$17.88B13.714.63%29.43%16.06%—
HOPE logoHOPEHope Bancorp, Inc.
$13.35$1.71B29.02-3.23%6.82%2.96%—
RBB logoRBBRBB Bancorp
$26.59$450.33M14.532.59%16.76%7.85%—
BCAL logoBCALSouthern California Bancorp
$20.61$662.92M10.6828.44%25.68%10.59%—

Compare PFBC vs Peers

Preferred Bank (PFBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HAFC

Most directly comparable listed peer for PFBC.

Scale Benchmark

vs FICO

Larger-name benchmark to compare PFBC against a more recognizable public peer.

Peer Set

Compare Top 5

vs HAFC, EWBC, HOPE, RBB

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PFBC Frequently Asked Questions

Preferred Bank (PFBC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Preferred Bank growing?

Preferred Bank (PFBC) saw revenue decline by 4.1% over the past year.

Is PFBC profitable?

Yes, Preferred Bank (PFBC) is profitable, generating $134.8M in net income for fiscal year 2025 (26.8% net margin).

Dividend & Returns
Does PFBC pay dividends?

Yes, Preferred Bank (PFBC) pays a dividend with a yield of 2.83%. This makes it attractive for income-focused investors.

What is PFBC's return on equity?

Preferred Bank (PFBC) has a return on equity (ROE) of 17.2%. This is reasonable for most industries.

Industry Metrics
What is Preferred Bank's net interest margin?

Preferred Bank (PFBC) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.

What is Preferred Bank's efficiency ratio?

Preferred Bank (PFBC) has an efficiency ratio of 17.0%. This is excellent, indicating strong cost control.

What if you invested $1,000 in PFBC back in 2004?

Total return calculator · dividends reinvested · 22+ years of data

See returns →