Preferred Bank (PFBC) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 65.31M | 69.97M | 71.31M | 66.87M | 62.66M | 69.17M | 68.85M | 66.11M | 68.5M | 69.4M | 72.95M | 73.31M | 73.72M | 74.11M | 66.79M | 56.42M | 50.03M | 49.42M | 47.75M | 43.36M |
| NII Growth % | 4.24% | 1.16% | 3.58% | 1.16% | -8.53% | -0.32% | -5.63% | -9.82% | -7.07% | -6.36% | 9.23% | 29.93% | 47.34% | 49.97% | 39.87% | 30.13% | 10.33% | 7.28% | 8.24% | 2.8% |
| Net Interest Margin % | 0.85% | 0.92% | 0.95% | 0.92% | 0.88% | 1% | 1% | 0.97% | 1.01% | 1.04% | 1.1% | 1.1% | 1.14% | 1.15% | 1.06% | 0.91% | 0.81% | 0.82% | 0.8% | 0.78% |
| Interest Income | 116.88M | 124.63M | 126.85M | 120.44M | 114.53M | 125.86M | 129.42M | 127.29M | 126.52M | 124.96M | 125.53M | 118.41M | 109.08M | 98.38M | 78.42M | 62.56M | 55.02M | 54.79M | 53.61M | 50.47M |
| Interest Expense | 51.56M | 54.66M | 55.54M | 53.57M | 51.87M | 56.69M | 60.58M | 61.19M | 58.02M | 55.57M | 52.58M | 45.1M | 35.37M | 24.27M | 11.63M | 6.13M | 4.99M | 5.37M | 5.86M | 7.11M |
| Loan Loss Provision | 1.5M | 4.3M | 2.5M | 1.6M | 700K | 2M | 3.2M | 2.5M | 4.4M | 3.5M | 3.5M | 2.5M | 500K | 2M | 2.7M | 2.9M | -250K | -900K | -1.5M | 0 |
| Non-Interest Income | 3.95M | 4.63M | 3.67M | 3.76M | 4M | 1.4M | 3.46M | 3.4M | 3.06M | -1.24M | 2.97M | 3.1M | -1.07M | -10K | 2.19M | 2.6M | 2.27M | 1.97M | 2.78M | 1.65M |
| Non-Interest Income % | 3.27% | 3.58% | 2.81% | 3.03% | 3.37% | 1.1% | 2.6% | 2.6% | 2.37% | -1% | 2.31% | 2.55% | -0.99% | -0.01% | 2.71% | 3.99% | 3.96% | 3.46% | 4.94% | 3.16% |
| Total Revenue | 120.82M | 129.26M | 130.51M | 124.2M | 118.53M | 127.26M | 132.88M | 130.7M | 129.59M | 123.73M | 128.5M | 121.51M | 108.02M | 98.37M | 80.61M | 65.16M | 57.29M | 56.76M | 56.4M | 52.12M |
| Revenue Growth % | 1.94% | 1.57% | -1.78% | -4.97% | -8.53% | 2.86% | 3.41% | 7.56% | 19.97% | 25.78% | 59.42% | 86.48% | 88.55% | 73.32% | 42.93% | 25.02% | 7.07% | 3.19% | 3.69% | -2.75% |
| Non-Interest Expense | 23.18M | 20.91M | 21.5M | 22.45M | 23.37M | 26.01M | 22.09M | 19.7M | 20.03M | 14.53M | 19.01M | 20.85M | 18.9M | 17.16M | 17.4M | 17.14M | 16.16M | 14.81M | 15.37M | 14.96M |
| Efficiency Ratio | 19.18% | 16.18% | 16.47% | 18.07% | 19.72% | 20.44% | 16.62% | 15.07% | 15.46% | 11.74% | 14.79% | 17.16% | 17.5% | 17.44% | 21.59% | 26.3% | 28.2% | 26.09% | 27.25% | 28.71% |
| Operating Income | 44.58M | 49.39M | 50.98M | 46.59M | 42.59M | 42.56M | 47.02M | 47.31M | 47.14M | 50.13M | 53.42M | 53.06M | 53.25M | 54.94M | 48.88M | 38.98M | 36.39M | 37.48M | 36.67M | 30.04M |
| Operating Margin % | 36.9% | 38.21% | 39.06% | 37.51% | 35.93% | 33.45% | 35.38% | 36.2% | 36.38% | 40.52% | 41.57% | 43.66% | 49.3% | 55.85% | 60.64% | 59.83% | 63.52% | 66.03% | 65.02% | 57.64% |
| Operating Income Growth % | 4.69% | 16.04% | 8.42% | -1.53% | -9.65% | -15.09% | -11.98% | -10.83% | -11.48% | -8.76% | 9.29% | 36.1% | 46.32% | 46.61% | 33.3% | 29.76% | 22.77% | 29.04% | 59% | 37.96% |
| Pretax Income | 44.58M | 49.39M | 50.98M | 46.59M | 42.59M | 42.56M | 47.02M | 47.31M | 47.14M | 50.13M | 53.42M | 53.06M | 53.25M | 54.94M | 48.88M | 38.98M | 36.39M | 37.48M | 36.67M | 30.04M |
| Pretax Margin % | 36.9% | 38.21% | 39.06% | 37.51% | 35.93% | 33.45% | 35.38% | 36.2% | 36.38% | 40.52% | 41.57% | 43.66% | 49.3% | 55.85% | 60.64% | 59.83% | 63.52% | 66.03% | 65.02% | 57.64% |
| Income Tax | 13.44M | 14.57M | 15.04M | 13.74M | 12.56M | 12.34M | 13.63M | 13.72M | 13.67M | 14.29M | 15.22M | 15.12M | 15.18M | 15.38M | 13.69M | 10.92M | 10.36M | 11.06M | 10.52M | 8.56M |
| Effective Tax Rate % | 30.15% | 29.5% | 29.5% | 29.5% | 29.5% | 29% | 29% | 29% | 29% | 28.51% | 28.5% | 28.5% | 28.5% | 28% | 28% | 28% | 28.48% | 29.5% | 28.7% | 28.5% |
| Net Income | 31.14M | 34.82M | 35.94M | 32.85M | 30.02M | 30.22M | 33.38M | 33.59M | 33.47M | 35.84M | 38.19M | 37.94M | 38.07M | 39.56M | 35.19M | 28.07M | 26.03M | 26.42M | 26.14M | 21.48M |
| Net Margin % | 25.78% | 26.94% | 27.54% | 26.45% | 25.33% | 23.75% | 25.12% | 25.7% | 25.83% | 28.97% | 29.72% | 31.22% | 35.25% | 40.22% | 43.66% | 43.08% | 45.43% | 46.55% | 46.36% | 41.21% |
| Net Income Growth % | 3.73% | 15.22% | 7.66% | -2.22% | -10.29% | -15.68% | -12.59% | -11.45% | -12.1% | -9.41% | 8.53% | 35.15% | 46.28% | 49.73% | 34.59% | 30.68% | 22.8% | 26.54% | 52.67% | 40.31% |
| Net Income (Continuing) | 31.14M | 34.82M | 35.94M | 32.85M | 30.02M | 30.22M | 33.38M | 33.59M | 33.47M | 35.84M | 38.19M | 37.94M | 38.07M | 39.56M | 35.19M | 28.07M | 26.03M | 26.42M | 26.14M | 21.48M |
| EPS (Diluted) | 2.53 | 2.79 | 2.84 | 2.57 | 2.23 | 2.25 | 2.46 | 2.48 | 2.44 | 2.60 | 2.71 | 2.61 | 2.61 | 2.71 | 2.40 | 1.87 | 1.74 | 1.78 | 1.76 | 1.44 |
| EPS Growth % | 13.45% | 24% | 15.45% | 3.63% | -8.61% | -13.46% | -9.23% | -4.98% | -6.51% | -4.06% | 12.92% | 39.57% | 50% | 52.25% | 36.36% | 29.86% | 22.54% | 27.14% | 53.04% | 39.81% |
| EPS (Basic) | 2.57 | 2.85 | 2.90 | 2.61 | 2.27 | 2.29 | 2.50 | 2.51 | 2.48 | 2.63 | 2.74 | 2.63 | 2.64 | 2.76 | 2.44 | 1.90 | 1.76 | 1.78 | 1.76 | 1.44 |
| Diluted Shares Outstanding | 12.29M | 12.48M | 12.63M | 13.04M | 13.45M | 13.44M | 13.54M | 13.55M | 13.74M | 13.8M | 14.11M | 14.56M | 14.6M | 14.62M | 14.64M | 15.01M | 14.98M | 14.88M | 14.88M | 14.96M |