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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 9.99
PFBC's Cash to Debt is ranked higher than
60% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. PFBC: 9.99 )
Ranked among companies with meaningful Cash to Debt only.
PFBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.21  Med: 3.48 Max: No Debt
Current: 9.99
Equity to Asset 0.11
PFBC's Equity to Asset is ranked higher than
61% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PFBC: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
PFBC' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.11 Max: 0.13
Current: 0.11
0.07
0.13
Interest Coverage 4.22
PFBC's Interest Coverage is ranked higher than
75% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. PFBC: 4.22 )
Ranked among companies with meaningful Interest Coverage only.
PFBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.42  Med: 1.15 Max: 4.37
Current: 4.22
0.42
4.37
F-Score: 6
WACC vs ROIC
8.46%
47.42%
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 (%) 57.52
PFBC's Operating margin (%) is ranked higher than
91% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. PFBC: 57.52 )
Ranked among companies with meaningful Operating margin (%) only.
PFBC' s Operating margin (%) Range Over the Past 10 Years
Min: -229.22  Med: 10.64 Max: 64.48
Current: 57.52
-229.22
64.48
Net-margin (%) 34.34
PFBC's Net-margin (%) is ranked higher than
79% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. PFBC: 34.34 )
Ranked among companies with meaningful Net-margin (%) only.
PFBC' s Net-margin (%) Range Over the Past 10 Years
Min: -170.51  Med: 31.48 Max: 281.45
Current: 34.34
-170.51
281.45
ROE (%) 11.75
PFBC's ROE (%) is ranked higher than
74% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. PFBC: 11.75 )
Ranked among companies with meaningful ROE (%) only.
PFBC' s ROE (%) Range Over the Past 10 Years
Min: -65.09  Med: 10.31 Max: 17.71
Current: 11.75
-65.09
17.71
ROA (%) 1.36
PFBC's ROA (%) is ranked higher than
78% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. PFBC: 1.36 )
Ranked among companies with meaningful ROA (%) only.
PFBC' s ROA (%) Range Over the Past 10 Years
Min: -5.2  Med: 1.23 Max: 1.88
Current: 1.36
-5.2
1.88
Revenue Growth (3Y)(%) 15.50
PFBC's Revenue Growth (3Y)(%) is ranked higher than
86% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. PFBC: 15.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PFBC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -50.1  Med: -6.60 Max: 113.9
Current: 15.5
-50.1
113.9
EBITDA Growth (3Y)(%) 70.60
PFBC's EBITDA Growth (3Y)(%) is ranked higher than
97% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. PFBC: 70.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PFBC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -10.4  Med: 23.40 Max: 70.6
Current: 70.6
-10.4
70.6
EPS Growth (3Y)(%) 24.40
PFBC's EPS Growth (3Y)(%) is ranked higher than
81% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. PFBC: 24.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PFBC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 24.4  Med: 25.00 Max: 62.8
Current: 24.4
24.4
62.8
» PFBC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2014

PFBC Guru Trades in Q4 2014

Jim Simons 276,035 sh (+4.49%)
» More
Q1 2015

PFBC Guru Trades in Q1 2015

Jim Simons 289,255 sh (+4.79%)
» More
Q2 2015

PFBC Guru Trades in Q2 2015

Jim Simons 326,594 sh (+12.91%)
» More
Q3 2015

PFBC Guru Trades in Q3 2015

Jim Simons 364,755 sh (+11.68%)
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 13.95
PFBC's P/E(ttm) is ranked lower than
67% of the 2164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. PFBC: 13.95 )
Ranked among companies with meaningful P/E(ttm) only.
PFBC' s P/E(ttm) Range Over the Past 10 Years
Min: 2.54  Med: 14.97 Max: 37.8
Current: 13.95
2.54
37.8
Forward P/E 11.64
PFBC's Forward P/E is ranked lower than
72% of the 1322 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.27 vs. PFBC: 11.64 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.06
PFBC's PE(NRI) is ranked lower than
63% of the 1679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. PFBC: 14.06 )
Ranked among companies with meaningful PE(NRI) only.
PFBC' s PE(NRI) Range Over the Past 10 Years
Min: 2.53  Med: 15.01 Max: 37.47
Current: 14.06
2.53
37.47
P/B 1.56
PFBC's P/B is ranked lower than
84% of the 2247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. PFBC: 1.56 )
Ranked among companies with meaningful P/B only.
PFBC' s P/B Range Over the Past 10 Years
Min: 0.2  Med: 1.16 Max: 4.44
Current: 1.56
0.2
4.44
P/S 4.71
PFBC's P/S is ranked lower than
86% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 vs. PFBC: 4.71 )
Ranked among companies with meaningful P/S only.
PFBC' s P/S Range Over the Past 10 Years
Min: 0.37  Med: 3.69 Max: 7.51
Current: 4.71
0.37
7.51
PFCF 10.05
PFBC's PFCF is ranked lower than
59% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. PFBC: 10.05 )
Ranked among companies with meaningful PFCF only.
PFBC' s PFCF Range Over the Past 10 Years
Min: 1.31  Med: 9.67 Max: 76.85
Current: 10.05
1.31
76.85
POCF 9.87
PFBC's POCF is ranked lower than
65% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. PFBC: 9.87 )
Ranked among companies with meaningful POCF only.
PFBC' s POCF Range Over the Past 10 Years
Min: 0.65  Med: 8.41 Max: 61.95
Current: 9.87
0.65
61.95
EV-to-EBIT 5.51
PFBC's EV-to-EBIT is ranked higher than
87% of the 2121 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. PFBC: 5.51 )
Ranked among companies with meaningful EV-to-EBIT only.
PFBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -3.8  Med: 4.90 Max: 118.8
Current: 5.51
-3.8
118.8
EV-to-EBITDA 5.43
PFBC's EV-to-EBITDA is ranked higher than
85% of the 2129 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.08 vs. PFBC: 5.43 )
Ranked among companies with meaningful EV-to-EBITDA only.
PFBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -308  Med: 4.50 Max: 16.9
Current: 5.43
-308
16.9
Shiller P/E 151.14
PFBC's Shiller P/E is ranked lower than
99% of the 681 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.38 vs. PFBC: 151.14 )
Ranked among companies with meaningful Shiller P/E only.
PFBC' s Shiller P/E Range Over the Past 10 Years
Min: 14.61  Med: 34.95 Max: 191.32
Current: 151.14
14.61
191.32

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.74
PFBC's Dividend Yield is ranked lower than
75% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. PFBC: 1.74 )
Ranked among companies with meaningful Dividend Yield only.
PFBC' s Dividend Yield Range Over the Past 10 Years
Min: 0.37  Med: 1.53 Max: 11
Current: 1.74
0.37
11
Dividend Payout 0.22
PFBC's Dividend Payout is ranked higher than
72% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. PFBC: 0.22 )
Ranked among companies with meaningful Dividend Payout only.
PFBC' s Dividend Payout Range Over the Past 10 Years
Min: 0.2  Med: 0.25 Max: 0.3
Current: 0.22
0.2
0.3
Forward Dividend Yield 2.01
PFBC's Forward Dividend Yield is ranked lower than
75% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. PFBC: 2.01 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.70
PFBC's Yield on cost (5-Year) is ranked lower than
76% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. PFBC: 1.70 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PFBC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.37  Med: 1.53 Max: 11
Current: 1.7
0.37
11
3-Year Average Share Buyback Ratio -1.60
PFBC's 3-Year Average Share Buyback Ratio is ranked higher than
51% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. PFBC: -1.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PFBC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -87.8  Med: -13.70 Max: 1.3
Current: -1.6
-87.8
1.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
PFBC's Price/Tangible Book is ranked lower than
77% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. PFBC: 1.60 )
Ranked among companies with meaningful Price/Tangible Book only.
PFBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.24  Med: 1.29 Max: 4.13
Current: 1.6
0.24
4.13
Price/Projected FCF 0.84
PFBC's Price/Projected FCF is ranked lower than
69% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. PFBC: 0.84 )
Ranked among companies with meaningful Price/Projected FCF only.
PFBC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.1  Med: 0.62 Max: 1.21
Current: 0.84
0.1
1.21
Price/Median PS Value 1.31
PFBC's Price/Median PS Value is ranked lower than
86% of the 2108 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. PFBC: 1.31 )
Ranked among companies with meaningful Price/Median PS Value only.
PFBC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.12  Med: 1.00 Max: 1.95
Current: 1.31
0.12
1.95
Price/Graham Number 1.01
PFBC's Price/Graham Number is ranked lower than
68% of the 2062 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. PFBC: 1.01 )
Ranked among companies with meaningful Price/Graham Number only.
PFBC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.22  Med: 1.03 Max: 1.86
Current: 1.01
0.22
1.86
Earnings Yield (Greenblatt) (%) 18.10
PFBC's Earnings Yield (Greenblatt) (%) is ranked higher than
89% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. PFBC: 18.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PFBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.8  Med: 16.70 Max: 3753.3
Current: 18.1
0.8
3753.3

More Statistics

Revenue(Mil) $85
EPS $ 2.10
Beta0.76
Short Percentage of Float1.81%
52-Week Range $26.38 - 36.82
Shares Outstanding(Mil)13.77

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 88 101 113
EPS($) 2.19 2.33 2.56
EPS without NRI($) 2.19 2.33 2.56

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 provides 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. The Company competes for loans, deposits and customers with other commercial banks, savings and loan associations, securities and brokerage companies, mortgage companies, insurance companies, finance companies, money market funds, credit unions with other financial services providers. The Company's products and services are subject to federal and state laws.
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