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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt No Debt
PFBC's Cash to Debt is ranked higher than
93% of the 1587 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.37 vs. PFBC: No Debt )
PFBC' s 10-Year Cash to Debt Range
Min: 0.21   Max: No Debt
Current: No Debt

Equity to Asset 0.12
PFBC's Equity to Asset is ranked higher than
81% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. PFBC: 0.12 )
PFBC' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.12
Current: 0.12

0.07
0.12
Interest Coverage 0.42
PFBC's Interest Coverage is ranked higher than
53% of the 1874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.39 vs. PFBC: 0.42 )
PFBC' s 10-Year Interest Coverage Range
Min: 0.42   Max: 9999.99
Current: 0.42

0.42
9999.99
F-Score: 6
Z-Score: 0.19
WACC vs ROIC
22.73%
122.11%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 56.04
PFBC's Operating margin (%) is ranked higher than
89% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.19 vs. PFBC: 56.04 )
PFBC' s 10-Year Operating margin (%) Range
Min: -189.62   Max: 64.48
Current: 56.04

-189.62
64.48
Net-margin (%) 33.55
PFBC's Net-margin (%) is ranked higher than
87% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.03 vs. PFBC: 33.55 )
PFBC' s 10-Year Net-margin (%) Range
Min: -170.51   Max: 41.69
Current: 33.55

-170.51
41.69
ROE (%) 5.56
PFBC's ROE (%) is ranked higher than
94% of the 2051 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. PFBC: 5.56 )
PFBC' s 10-Year ROE (%) Range
Min: -65.09   Max: 29.04
Current: 5.56

-65.09
29.04
ROA (%) 0.64
PFBC's ROA (%) is ranked higher than
95% of the 2054 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. PFBC: 0.64 )
PFBC' s 10-Year ROA (%) Range
Min: -5.2   Max: 2.46
Current: 0.64

-5.2
2.46
ROC (Joel Greenblatt) (%) 530.47
PFBC's ROC (Joel Greenblatt) (%) is ranked higher than
98% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 80.18 vs. PFBC: 530.47 )
PFBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -1196.6   Max: 2711.5
Current: 530.47

-1196.6
2711.5
Revenue Growth (3Y)(%) -31.70
PFBC's Revenue Growth (3Y)(%) is ranked higher than
52% of the 1755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. PFBC: -31.70 )
PFBC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 18.5
Current: -31.7

0
18.5
» PFBC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

PFBC Guru Trades in Q1 2014

Jim Simons 246,124 sh (+11.80%)
» More
Q2 2014

PFBC Guru Trades in Q2 2014

Jim Simons 254,373 sh (+3.35%)
» More
Q3 2014

PFBC Guru Trades in Q3 2014

Jim Simons 264,161 sh (+3.85%)
» More
Q4 2014

PFBC Guru Trades in Q4 2014

Jim Simons 276,035 sh (+4.49%)
» More
» Details

Insider Trades

Latest Guru Trades with PFBC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.00
PFBC's P/E(ttm) is ranked higher than
76% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. PFBC: 15.00 )
PFBC' s 10-Year P/E(ttm) Range
Min: 1.6   Max: 24.28
Current: 15

1.6
24.28
Forward P/E 12.87
PFBC's Forward P/E is ranked higher than
75% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.08 vs. PFBC: 12.87 )
N/A
PE(NRI) 15.60
PFBC's PE(NRI) is ranked higher than
78% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. PFBC: 15.60 )
PFBC' s 10-Year PE(NRI) Range
Min: 1.6   Max: 24.28
Current: 15.6

1.6
24.28
P/B 1.60
PFBC's P/B is ranked higher than
58% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. PFBC: 1.60 )
PFBC' s 10-Year P/B Range
Min: 0.13   Max: 3.26
Current: 1.6

0.13
3.26
P/S 5.79
PFBC's P/S is ranked lower than
54% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.71 vs. PFBC: 5.79 )
PFBC' s 10-Year P/S Range
Min: 0.32   Max: 8.55
Current: 5.79

0.32
8.55
PFCF 13.60
PFBC's PFCF is ranked higher than
80% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PFBC: 13.60 )
PFBC' s 10-Year PFCF Range
Min: 0.66   Max: 30.02
Current: 13.6

0.66
30.02
POCF 13.90
PFBC's POCF is ranked higher than
78% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 48.59 vs. PFBC: 13.90 )
PFBC' s 10-Year POCF Range
Min: 0.59   Max: 27.89
Current: 13.9

0.59
27.89
EV-to-EBIT 67.79
PFBC's EV-to-EBIT is ranked higher than
60% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.66 vs. PFBC: 67.79 )
PFBC' s 10-Year EV-to-EBIT Range
Min: -9.9   Max: 67.6
Current: 67.79

-9.9
67.6
Days Sales Outstanding 116.48
PFBC's Days Sales Outstanding is ranked higher than
86% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PFBC: 116.48 )
PFBC' s 10-Year Days Sales Outstanding Range
Min: 38.26   Max: 306.57
Current: 116.48

38.26
306.57

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.74
PFBC's Dividend Yield is ranked lower than
90% of the 1923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.36 vs. PFBC: 0.74 )
PFBC' s 10-Year Dividend Yield Range
Min: 1.21   Max: 17
Current: 0.74

1.21
17
Dividend growth (3y) -100.00
PFBC's Dividend growth (3y) is ranked higher than
55% of the 1175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. PFBC: -100.00 )
PFBC' s 10-Year Dividend growth (3y) Range
Min: 0   Max: -46.9
Current: -100

Yield on cost (5-Year) 0.70
PFBC's Yield on cost (5-Year) is ranked lower than
87% of the 1933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. PFBC: 0.70 )
PFBC' s 10-Year Yield on cost (5-Year) Range
Min: 1.21   Max: 17
Current: 0.7

1.21
17
Share Buyback Rate -61.70
PFBC's Share Buyback Rate is ranked higher than
50% of the 1469 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.20 vs. PFBC: -61.70 )
PFBC' s 10-Year Share Buyback Rate Range
Min: 1.3   Max: -87.8
Current: -61.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
PFBC's Price/Tangible Book is ranked higher than
64% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. PFBC: 1.60 )
PFBC' s 10-Year Price/Tangible Book Range
Min: 0   Max: 0
Current: 1.6

Price/DCF (Projected) 0.90
PFBC's Price/DCF (Projected) is ranked higher than
81% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PFBC: 0.90 )
PFBC' s 10-Year Price/DCF (Projected) Range
Min: 0.12   Max: 1.21
Current: 0.9

0.12
1.21
Price/Median PS Value 1.80
PFBC's Price/Median PS Value is ranked higher than
62% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. PFBC: 1.80 )
PFBC' s 10-Year Price/Median PS Value Range
Min: 0.19   Max: 1.94
Current: 1.8

0.19
1.94
Price/Graham Number 1.10
PFBC's Price/Graham Number is ranked higher than
73% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. PFBC: 1.10 )
PFBC' s 10-Year Price/Graham Number Range
Min: 0.47   Max: 1.48
Current: 1.1

0.47
1.48
Earnings Yield (Greenblatt) 1.50
PFBC's Earnings Yield (Greenblatt) is ranked higher than
50% of the 2041 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. PFBC: 1.50 )
PFBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.5   Max: 206.3
Current: 1.5

1.5
206.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Preferred Bank is a commercial bank in California focusing on the Chinese-American market. It offers personalized banking options to both consumers and businesses. It provide personalized deposit services as well as real estate finance, commercial loans and trade finance to small and mid-sized businesses and their owners, entrepreneurs, real estate developers and investors, professionals and high net worth individuals. It conduct operations from its main office in downtown Los Angeles, California and ten full service branch banking offices in Los Angeles, Orange, and San Francisco Counties.
» More Articles for PFBC

Headlines

Articles On GuruFocus.com
Preferred Bank Announces Cash Dividend of $0.08 Per Common Share Jan 28 2009 
Preferred Bank Reports Fourth Quarter Results Jan 27 2009 

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