PFBC$92.24
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Performance
Key Stats
AI PFBC Summary
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Powered by LiveAIOverall Analysis
BuyA solid company with good fundamental metrics and positive momentum, though valuation metrics indicate it might be fully priced. A stable investment with potential for moderate growth.
Thematic
Preferred Bank operates in a mature sector with steady but not explosive growth potential. Its focus on regional business banking provides stability.
Fundamental
Demonstrates strong profitability, robust cash flow, and a healthy balance sheet with manageable debt. Valuation appears reasonable given its consistent performance.
Technical
The stock is trading above key moving averages, indicating a positive trend. However, some oscillators suggest potential overbought conditions.
| Factor | Score |
|---|---|
| Digital Banking Trends | 50 |
| Regulatory Environment | 70 |
| Economic Sensitivity | 75 |
| Market Position | 65 |
| Interest Rate Sensitivity | 40 |
| Factor | Score |
|---|---|
| Valuation | 85 |
| Profitability | 95 |
| Growth | 30 |
| Balance Sheet Health | 90 |
| Cash Flow | 90 |
| Factor | Score |
|---|---|
| Trend Analysis | 80 |
| Momentum | 55 |
| Volume Confirmation | 65 |
| Support & Resistance | 80 |
| Short-term Trend | 70 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent EPS Beats
The company has a history of beating earnings per share (EPS) estimates, with 8 out of the last 10 quarters showing positive surprises, indicating robust operational execution and reliable earnings generation.
Undervalued Based on P/E Ratio
The trailing P/E ratio of 9.98 is significantly lower than the industry average and historical norms, suggesting the stock may be undervalued relative to its earnings.
Bearish Points (7)
Rising P/E Ratio
The P/E ratio has seen fluctuations, with recent quarterly P/E ratios (e.g., 34.0 in Q1 2025) significantly higher than trailing TTM P/E, potentially indicating a shift towards higher growth expectations that may not be sustainable.
Deteriorating Short-Term Technicals
Several short-term moving averages (e.g., 1-hour Exponential Moving Average of 95.38) are indicating 'Sell' signals, and the RSI is at 32.37 (1-day), suggesting potential downward pressure.
Calendar
July 2025
8
Ex-Dividend Date
July 2025
22
Next Dividend Date
October 2025
21
Next Earnings Date
H: $2.59
A: $2.57
L: $2.54
H: 73.16M
A: 72.74M
L: 71.80M
Profile
Preferred Bank provides various banking products and services to small and mid-sized businesses, entrepreneurs, real estate developers, professionals, and high net worth individuals. 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; commercial loans, including lines of credit for working capital, term loans for capital expenditures, and commercial and stand-by letters of credit; and small business administration loans for business purposes, such as owner-occupied commercial real estate, business acquisitions, start-ups, franchise financing, working capital, improvements and renovations, inventory and equipment, and debt-refinancing. 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, and bills purchase programs. Further, it provides cash management services; and internet, mobile, and tablet banking services. The company was incorporated in 1991 and is headquartered in Los Angeles, California.
Seasonals
Price Target
107.00 USD
The 39 analysts offering 1 year price forecasts for PFBC have a max estimate of 112.00 and a min estimate of 103.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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