Preferred Bank (PFBC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 180 | 194 | 254 | 293 | 284 | 283 | 292 | - |
| Operating profit | $m | 190 | 194 | ||||||
| Net profit | $m | 69 | 95 | 129 | 150 | 131 | 134 | 135 | 138 |
| EPS reported | $ | 10.41 | 10.94 | ||||||
| Operating cashflow per share | $ | 13.35 | 14.51 | ||||||
| Capex per share | $ | 0.11 | 0.34 | ||||||
| FCF per share | $ | 13.24 | 14.18 | ||||||
| Free cash flow | $m | 167 | 168 | ||||||
| Net debt | $m | -473 | -398 | ||||||
| Book value equity | $m | 789 | 794 | ||||||
| Book value per share | $ | 61.50 | 65.86 | ||||||
| Number of shares | m | 12.84 | 12.05 | ||||||
| DPS (TTM paid) | $ | 3.00 | 3.95 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.07 | 10.01 | ||||||
| P/B LTM | x | 1.51 | 1.50 | ||||||
| P/S LTM | x | 4.20 | 4.07 | ||||||
| P/FCF LTM | x | 7.13 | 7.08 | ||||||
| EV/EBITDA LTM | x | 4.00 | 3.93 | ||||||
| EV/Sales LTM | x | 1.53 | 1.80 | ||||||
| Earnings Yield LTM | % | +11.03% | +9.99% | ||||||
| FCF Yield | % | +14.02% | +14.12% | ||||||
| Quality | |||||||||
| ROE | % | +16.93% | +17.32% | ||||||
| ROIC | % | +1.76% | +1.75% | ||||||
| Operating margin | % | +37.98% | +38.22% | ||||||
| Gross margin | % | +54.97% | +55.82% | ||||||
| FCF/Sales | % | +33.42% | +33.16% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +7.88% | +13.37% | ||||||
| Sales Growth YoY | % | -0.20% | +2.88% | ||||||
| Net Income Growth YoY | % | +2.27% | +3.66% | ||||||
| FCF Growth | % | +1.94% | +2.63% | ||||||
| Operating Profit Growth | % | +3.00% | +5.15% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.22% | +2.92% | ||||||
| Dividend Growth | % | +7.14% | +41.07% | ||||||
| Payout Ratio | % | +28.62% | +27.95% | ||||||
| FCF/Debt | x | 0.43 | 0.44 | ||||||
| Net Debt/EBITDA | x | -2.21 | -1.89 | ||||||
| EBIT/Net interest | x | 0.88 | 0.90 | ||||||
| Net debt/market cap | % | +29.80% | +27.54% | ||||||
| Net debt/Equity | x | -0.60 | -0.50 | ||||||
| Gross debt/equity | x | 0.49 | 0.49 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Preferred Bank offers a wide array of commercial banking products and services throughout the United States. Its primary clients include small and mid-sized businesses and their owners, entrepreneurs, real estate developers and investors, various professionals, and high-net-worth individuals. The institution provides diverse deposit options, such as checking, savings, and money market accounts. They also feature fixed-rate and fixed-maturity certificates of deposit for both retail and non-retail clients, along with individual retirement accounts. On the lending side, Preferred Bank extends real estate mortgage loans secured by a variety of properties, including retail, industrial, office, special purpose, and residential (single and multi-family) assets. They also finance real estate construction projects and offer commercial loans like working capital lines of credit, term loans for capital expenditures, and both commercial and standby letters of credit, in addition to SBA loans. Furthermore, the bank provides extensive trade finance solutions. These encompass commercial and export letters of credit, import lines of credit, international wire transfers, documentary collections, acceptance/trust receipt financing products, export financing, and bills purchase programs. Specialized high-wealth banking services are available for affluent individuals residing in the Pacific Rim region. The bank also supports modern financial management through remote deposit capture, as well as online and mobile banking platforms. Dedicated banking services are provided to professionals such as physicians, accountants, attorneys, and business managers. Manufacturing, service, and distribution companies can benefit from safe deposit boxes, account reconciliation, courier services, and comprehensive cash management solutions. As of December 31, 2021, Preferred Bank operated eleven full-service branch locations across California, including Alhambra, Century City, City of Industry, Torrance, Arcadia, Irvine, Diamond Bar, Pico Rivera, Tarzana, and San Francisco. An additional branch is situated in Flushing, New York. The bank was established in 1991 and maintains its headquarters in Los Angeles, California.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Preferred Bank offers a wide array of commercial banking products and services throughout the United States. Its primary clients include small and mid-sized businesses and their owners, entrepreneurs, real estate developers and investors, various professionals, and high-net-worth individuals. The institution provides diverse deposit options, such as checking, savings, and money market accounts. They also feature fixed-rate and fixed-maturity certificates of deposit for both retail and non-retail clients, along with individual retirement accounts. On the lending side, Preferred Bank extends real estate mortgage loans secured by a variety of properties, including retail, industrial, office, special purpose, and residential (single and multi-family) assets. They also finance real estate construction projects and offer commercial loans like working capital lines of credit, term loans for capital expenditures, and both commercial and standby letters of credit, in addition to SBA loans. Furthermore, the bank provides extensive trade finance solutions. These encompass commercial and export letters of credit, import lines of credit, international wire transfers, documentary collections, acceptance/trust receipt financing products, export financing, and bills purchase programs. Specialized high-wealth banking services are available for affluent individuals residing in the Pacific Rim region. The bank also supports modern financial management through remote deposit capture, as well as online and mobile banking platforms. Dedicated banking services are provided to professionals such as physicians, accountants, attorneys, and business managers. Manufacturing, service, and distribution companies can benefit from safe deposit boxes, account reconciliation, courier services, and comprehensive cash management solutions. As of December 31, 2021, Preferred Bank operated eleven full-service branch locations across California, including Alhambra, Century City, City of Industry, Torrance, Arcadia, Irvine, Diamond Bar, Pico Rivera, Tarzana, and San Francisco. An additional branch is situated in Flushing, New York. The bank was established in 1991 and maintains its headquarters in Los Angeles, California.
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