PFBC
BULLISH
$94.41
Live
Preferred Bank · NASDAQ
Target $100.5
(+6.5%)
$78.3
52W Range
$103.05
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 17, 2026
Market cap
$1.15B
P/E
9.07
ROE
17.2%
Profit margin
47.5%
Debt/Equity
N/A
Dividend yield
3.39%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
PFBC exhibits strong fundamental value, trading significantly below its Graham Number ($123.23) and Intrinsic Value ($307.1). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company boasts a high ROE of 17.21% and a consistent 25-quarter track record of earnings beats. Despite bearish insider sentiment and technical trends, the low P/E ratio of 9.07 and sustainable dividend payout make it an attractive value play.
Key Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong profitability with 17.21% ROE and 1.84% ROA
Exceptional earnings track record with consistent beats over 25 quarters
Low valuation multiples (P/E 9.07) compared to sector averages
Sustainable dividend profile with a conservative 36.5% payout ratio
Key Risks
Bearish insider activity with 8 sell transactions and 0 buys
Weak technical trend (0/100) suggesting short-term price pressure
Sluggish year-over-year revenue growth of 4.20%
Piotroski F-Score of 4/9 suggests only moderate financial health improvement
Exposure to regional banking sector volatility
AI Fair Value Estimate
Based on comprehensive analysis
$123.23
+30.5% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
75
Strong
95
65
90
50
75
AI Verdict
Strong Value / Weak Momentum
Key drivers: Deep discount to fair value, High ROE, Consistent EPS beats, Insider selling
Confidence
90%
Value
95/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 9.07 is very low
- Price is well below Graham Number of $123.23
Watchpoints
- Price/Book of 1.46 is moderate
Future
65/100
Ref Growth rates
Positives
- Strong YoY Earnings Growth of 24%
Watchpoints
- Low YoY Revenue Growth (4.2%)
- Bearish technical trend
Past
90/100
Ref Historical trends
Positives
- 25 quarters of consistent earnings performance
- Strong 3Y and 5Y price appreciation
Watchpoints
No urgent risks highlighted.
Health
50/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score of 4/9 is in the 'Stable' range
Watchpoints
- F-Score is not in the 'Strong' (7-9) category
Dividend
75/100
Ref Yield, Payout
Positives
- Healthy 3.39% yield
- Low payout ratio (36.5%)
Watchpoints
- Dividend strength score is only 50/100
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$94.41
Analyst Target
$100.5
Upside/Downside
+6.5%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for PFBC and closest competitors.
Updated 2026-04-16
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
PFBC
Preferred Bank
Primary
|
+63.0% | +105.6% | +23.1% | +13.6% | +6.6% | -0.3% |
|
OSBC
Old Second Bancorp, Inc.
Peer
|
+78.5% | +68.3% | +48.8% | +22.4% | +10.5% | +2.3% |
|
AMAL
Amalgamated Financial Corp.
Peer
|
+138.8% | +109.7% | +36.9% | +34.9% | -5.9% | +0.8% |
|
FMBH
First Mid Bancshares, Inc.
Peer
|
+14.0% | +77.1% | +37.0% | +22.6% | +9.3% | +5.5% |
|
OCSL
Oaktree Specialty Lending Corporation
Peer
|
+14.5% | -2.8% | +2.2% | +3.6% | +18.5% | +7.5% |
PFB
Preferred Bank
Primary
5Y
+63.0%
3Y
+105.6%
1Y
+23.1%
6M
+13.6%
1M
+6.6%
1W
-0.3%
OSB
Old Second Bancorp, Inc.
Peer
5Y
+78.5%
3Y
+68.3%
1Y
+48.8%
6M
+22.4%
1M
+10.5%
1W
+2.3%
AMA
Amalgamated Financial Corp.
Peer
5Y
+138.8%
3Y
+109.7%
1Y
+36.9%
6M
+34.9%
1M
-5.9%
1W
+0.8%
FMB
First Mid Bancshares, Inc.
Peer
5Y
+14.0%
3Y
+77.1%
1Y
+37.0%
6M
+22.6%
1M
+9.3%
1W
+5.5%
OCS
Oaktree Specialty Lending Corporation
Peer
5Y
+14.5%
3Y
-2.8%
1Y
+2.2%
6M
+3.6%
1M
+18.5%
1W
+7.5%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
9.07
Forward P/E
8.53
PEG Ratio
N/A
P/B Ratio
1.46
P/S Ratio
4.09
EV/Revenue
2.5
EV/EBITDA
N/A
Market Cap
$1.15B
Profitability
Profit margins and return metrics
Profit Margin
47.52%
Operating Margin
71.65%
Gross Margin
N/A
ROE
17.21%
ROA
1.84%
Growth
Revenue and earnings growth rates
Revenue Growth
+4.2%
Earnings Growth
+24.0%
Q/Q Revenue Growth
+0.79%
Q/Q Earnings Growth
+15.2%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$68.21
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Net Margin
49.0%
Total Assets
$7.6B
Liabilities
$6.8B
Equity
$0.8B
Debt/Equity
8.63x
Operating CF
$0.1B
CapEx
$-0.0B
Free Cash Flow
$0.1B
FCF Yield
99%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-22
$N/A
2026-01-22
$2.79
-0.1% surprise
2025-10-20
$2.84
+10.6% surprise
2025-07-21
$2.52
+3.7% surprise
Financial Services Sector Comparison
Comparing PFBC against 484 companies in the Financial Services sector
(87 bullish, 202 neutral, 195 bearish)
P/E Ratio
9.07
This Stock
vs
46.02
Sector Avg
-80.3%
(Discount)
Return on Equity (ROE)
17.21%
This Stock
vs
0.23%
Sector Avg
+7425.1%
(Excellent)
Profit Margin
47.52%
This Stock
vs
50.44%
Sector Avg
-5.8%
(Weaker)
Revenue Growth
4.2%
This Stock
vs
37.35%
Sector Avg
-88.8%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
PFBC
Preferred Bank
|
BULLISH | $1.15B | 9.07 | 17.2% | 47.5% | $94.41 | |
|
OSBC
Old Second Bancorp, Inc.
|
BULLISH | $1.14B | 13.29 | 10.2% | 25.8% | $21.67 | Compare |
|
AMAL
Amalgamated Financial Corp.
|
NEUTRAL | $1.14B | 11.17 | 13.9% | 33.4% | $38.1 | Compare |
|
FMBH
First Mid Bancshares, Inc.
|
BULLISH | $1.17B | 11.29 | 10.2% | 27.0% | $43.93 | Compare |
|
OCSL
Oaktree Specialty Lending...
|
BEARISH | $1.12B | 34.51 | 2.2% | 10.6% | $12.77 | Compare |
PFBC
Preferred Bank
BULLISH
Mkt Cap
$1.1B
P/E
9.1
ROE
17.2%
Price
$94.41
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-01-06 | CZAJKA EDWARD J | Officer | Stock Award | 2,591 | $244,668 |
| 2026-01-06 | HSU JOHNNY | Officer | Stock Award | 2,463 | $232,581 |
| 2026-01-06 | CHEN WELLINGTON | President | Stock Award | 4,387 | $414,264 |
| 2026-01-06 | YU LI | Chief Executive Officer | Stock Award | 17,090 | $1,613,809 |
| 2025-12-17 | CHEN WELLINGTON | President | Sale | 500 | $50,500 |
| 2025-12-16 | HSU CLARK | Director | Sale | 1,500 | $150,450 |
| 2025-12-15 | HSU CLARK | Director | Sale | 1,500 | $151,485 |
| 2025-12-12 | CHEN WELLINGTON | President | Sale | 2,000 | $198,888 |
| 2025-12-12 | HSU CLARK | Director | Sale | 1,500 | $150,465 |
| 2025-12-10 | HSU CLARK | Director | Sale | 1,500 | $143,555 |
| 2025-12-03 | YU LI | Chief Executive Officer | Gift | 1,500 | $129,570 |
| 2025-12-01 | HSU JOHNNY | Chief Operating Officer | Sale | 700 | $67,200 |
| 2025-12-01 | HSU CLARK | Director | Sale | 2,000 | $191,420 |
| 2025-11-26 | YU LI | Chief Executive Officer | Gift | 100 | $9,488 |
| 2025-10-22 | BELLISTON J RICHARD | Director | Stock Award | 10,400 | $967,096 |
CZAJKA EDWARD J
Officer
2026-01-06
2,591 shares
·
$244,668
HSU JOHNNY
Officer
2026-01-06
2,463 shares
·
$232,581
CHEN WELLINGTON
President
2026-01-06
4,387 shares
·
$414,264
YU LI
Chief Executive Officer
2026-01-06
17,090 shares
·
$1,613,809
CHEN WELLINGTON
President
2025-12-17
500 shares
·
$50,500
HSU CLARK
Director
2025-12-16
1,500 shares
·
$150,450
HSU CLARK
Director
2025-12-15
1,500 shares
·
$151,485
CHEN WELLINGTON
President
2025-12-12
2,000 shares
·
$198,888
HSU CLARK
Director
2025-12-12
1,500 shares
·
$150,465
HSU CLARK
Director
2025-12-10
1,500 shares
·
$143,555
YU LI
Chief Executive Officer
2025-12-03
1,500 shares
·
$129,570
HSU JOHNNY
Chief Operating Officer
2025-12-01
700 shares
·
$67,200
HSU CLARK
Director
2025-12-01
2,000 shares
·
$191,420
YU LI
Chief Executive Officer
2025-11-26
100 shares
·
$9,488
BELLISTON J RICHARD
Director
2025-10-22
10,400 shares
·
$967,096
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
4 analysts
Piper Sandler
2026-04-02
Overweight
Overweight
Piper Sandler
2026-01-26
Overweight
Overweight
Stephens & Co.
2026-01-26
Equal-Weight
Equal-Weight
Piper Sandler
2025-10-22
Overweight
Overweight
DA Davidson
2025-10-22
Neutral
Neutral
Past News Coverage
Recent headlines mentioning PFBC from our newsroom.
Newest → oldest
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