Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
PFBC
BuyUnloved QualityPreferred Bank · Financial Services · United States · $1.2B · Avg Vol: $8M/d
COMPANY DESCRIPTION
Preferred Bank is a commercial bank primarily serving the Chinese-American community and other ethnic groups in California and Houston, Texas. The bank offers a full range of commercial banking services including commercial real estate, commercial and industrial, and residential real estate loans, alongside deposit services. Preferred Bank leverages its expertise in catering to specific ethnic markets and its personalized relationship banking approach to compete effectively against larger institutions.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 254.4M | 293.1M | 284.0M | 283.4M | 3.7% | 286.6M | 284.1M | 299.0M | 2.7% |
| EPS | 6.41 | 8.84 | 10.64 | 9.79 | 10.61 | 13.4% | 10.71 | 10.94 | 11.19 | 2.7% |
| Shares | — | 14.4M | 13.6M | 13.2M | 12.2M | -15.2% | 11.9M | — | — | — |
| Debt | — | 168.9M | 168.0M | 165.5M | 383.8M | 31.5% | 382.1M | — | — | — |
| Equity | — | 630.4M | 695.1M | 763.2M | 789.5M | 7.8% | — | — | — | — |
| Op CF | — | 143.8M | 175.4M | 164.5M | 168.1M | 5.4% | 171.9M | — | — | — |
| Inv CF | — | -699.9M | -98.0M | -421.6M | -623.8M | — | — | — | — | — |
| Fin CF | — | 273.1M | 66.0M | 131.8M | 497.2M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PFBC are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| PFBC | Preferred Bank(you) | $1.2B | 66 | Buy |
| OSBC | Old Second Bancorp, Inc. | $1.3B | 67 | Buy |
| AMAL | Amalgamated Financial Corp. | $1.5B | 67 | Buy |
| MBWM | Mercantile Bank Corporation | $1.0B | 65 | Buy |
| NBN | Northeast Bank | $1.1B | 69 | Buy |
| FSBC | Five Star Bancorp | $1.1B | 62 | Hold |
| CCNE | CNB Financial Corporation | $1.0B | 68 | Buy |
| FMBH | First Mid Bancshares, Inc. | $1.3B | 71 | Buy |
| FCBC | First Community Bankshares, Inc. | $925M | 67 | Buy |
| MCBS | MetroCity Bankshares, Inc. | $1.0B | 64 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%