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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 2.44
PFBC's Cash-to-Debt is ranked higher than
53% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. PFBC: 2.44 )
Ranked among companies with meaningful Cash-to-Debt only.
PFBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.21  Med: 4.82 Max: No Debt
Current: 2.44
Equity-to-Asset 0.09
PFBC's Equity-to-Asset is ranked lower than
59% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PFBC: 0.09 )
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: 0.12
Current: 0.09
0.07
0.12
Interest Coverage 3.19
PFBC's Interest Coverage is ranked higher than
69% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. PFBC: 3.19 )
Ranked among companies with meaningful Interest Coverage only.
PFBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.42  Med: 3.19 Max: 4.63
Current: 3.19
0.42
4.63
Beneish M-Score: -3.32
WACC vs ROIC
11.12%
59.55%
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 : 6/10

vs
industry
vs
history
Operating Margin % 54.45
PFBC's Operating Margin % is ranked higher than
90% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. PFBC: 54.45 )
Ranked among companies with meaningful Operating Margin % only.
PFBC' s Operating Margin % Range Over the Past 10 Years
Min: -189.62  Med: 32.37 Max: 63.13
Current: 54.45
-189.62
63.13
Net Margin % 33.17
PFBC's Net Margin % is ranked higher than
80% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. PFBC: 33.17 )
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: 41.69
Current: 33.17
-170.51
41.69
ROE % 12.71
PFBC's ROE % is ranked higher than
78% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. PFBC: 12.71 )
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: 12.71
-65.09
17.71
ROA % 1.25
PFBC's ROA % is ranked higher than
76% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. PFBC: 1.25 )
Ranked among companies with meaningful ROA % only.
PFBC' s ROA % Range Over the Past 10 Years
Min: -5.2  Med: 1.21 Max: 1.83
Current: 1.25
-5.2
1.83
3-Year Revenue Growth Rate 17.90
PFBC's 3-Year Revenue Growth Rate is ranked higher than
90% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. PFBC: 17.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
PFBC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -50.1  Med: 14.1 Max: 113.9
Current: 17.9
-50.1
113.9
3-Year EBITDA Growth Rate 21.60
PFBC's 3-Year EBITDA Growth Rate is ranked higher than
82% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. PFBC: 21.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
PFBC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -10.3  Med: 23.4 Max: 132.2
Current: 21.6
-10.3
132.2
3-Year EPS without NRI Growth Rate 21.70
PFBC's 3-Year EPS without NRI Growth Rate is ranked higher than
80% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. PFBC: 21.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
PFBC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 6.3  Med: 24.2 Max: 63
Current: 21.7
6.3
63
GuruFocus has detected 1 Warning Sign with Preferred Bank $PFBC.
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» PFBC's 10-Y Financials

Financials (Next Earnings Date: 2017-04-19 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

PFBC Guru Trades in Q1 2016

Jim Simons 386,355 sh (+7.10%)
» More
Q2 2016

PFBC Guru Trades in Q2 2016

Jim Simons 376,555 sh (-2.54%)
» More
Q3 2016

PFBC Guru Trades in Q3 2016

Jim Simons 337,455 sh (-10.38%)
» More
Q4 2016

PFBC Guru Trades in Q4 2016

Jim Simons 327,455 sh (-2.96%)
» 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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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:AMEX:BHB, NAS:BMRC, NAS:BCBP, OTCPK:BERK, NAS:BOCH, NAS:BKSC, NAS:BANF, NAS:BANR, NYSE:BXS, NYSE:BOH, NAS:OZRK, NYSE:BBT » details
Preferred Bank is a commercial bank in California. It offers personalized banking options to both consumers and businesses.

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.

Ratios

vs
industry
vs
history
PE Ratio 19.74
PFBC's PE Ratio is ranked lower than
76% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. PFBC: 19.74 )
Ranked among companies with meaningful PE Ratio only.
PFBC' s PE Ratio Range Over the Past 10 Years
Min: 2.53  Med: 14.61 Max: 37.47
Current: 19.74
2.53
37.47
Forward PE Ratio 16.75
PFBC's Forward PE Ratio is ranked lower than
71% of the 526 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.33 vs. PFBC: 16.75 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 19.74
PFBC's PE Ratio without NRI is ranked lower than
74% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. PFBC: 19.74 )
Ranked among companies with meaningful PE Ratio without NRI only.
PFBC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 2.53  Med: 14.61 Max: 37.47
Current: 19.74
2.53
37.47
Price-to-Owner-Earnings 15.91
PFBC's Price-to-Owner-Earnings is ranked lower than
59% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. PFBC: 15.91 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
PFBC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.05  Med: 15.08 Max: 370.45
Current: 15.91
5.05
370.45
PB Ratio 2.41
PFBC's PB Ratio is ranked lower than
92% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. PFBC: 2.41 )
Ranked among companies with meaningful PB Ratio only.
PFBC' s PB Ratio Range Over the Past 10 Years
Min: 0.2  Med: 1.17 Max: 4.44
Current: 2.41
0.2
4.44
PS Ratio 6.44
PFBC's PS Ratio is ranked lower than
89% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. PFBC: 6.44 )
Ranked among companies with meaningful PS Ratio only.
PFBC' s PS Ratio Range Over the Past 10 Years
Min: 0.34  Med: 3.7 Max: 41.85
Current: 6.44
0.34
41.85
Price-to-Free-Cash-Flow 13.58
PFBC's Price-to-Free-Cash-Flow is ranked lower than
57% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. PFBC: 13.58 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
PFBC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.49  Med: 8.84 Max: 26.39
Current: 13.58
0.49
26.39
Price-to-Operating-Cash-Flow 13.42
PFBC's Price-to-Operating-Cash-Flow is ranked lower than
63% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. PFBC: 13.42 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
PFBC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.49  Med: 8.8 Max: 42.64
Current: 13.42
0.49
42.64
EV-to-EBIT 9.00
PFBC's EV-to-EBIT is ranked higher than
57% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. PFBC: 9.00 )
Ranked among companies with meaningful EV-to-EBIT only.
PFBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -88.3  Med: 3.7 Max: 118.8
Current: 9
-88.3
118.8
EV-to-EBITDA 8.88
PFBC's EV-to-EBITDA is ranked higher than
56% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. PFBC: 8.88 )
Ranked among companies with meaningful EV-to-EBITDA only.
PFBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -308  Med: 3.5 Max: 16.8
Current: 8.88
-308
16.8
PEG Ratio 0.30
PFBC's PEG Ratio is ranked higher than
92% of the 780 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. PFBC: 0.30 )
Ranked among companies with meaningful PEG Ratio only.
PFBC' s PEG Ratio Range Over the Past 10 Years
Min: 0.17  Med: 0.21 Max: 0.3
Current: 0.3
0.17
0.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.24
PFBC's Dividend Yield % is ranked lower than
83% of the 2303 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. PFBC: 1.24 )
Ranked among companies with meaningful Dividend Yield % only.
PFBC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.38  Med: 1.61 Max: 15.25
Current: 1.24
0.38
15.25
Dividend Payout Ratio 0.25
PFBC's Dividend Payout Ratio is ranked higher than
67% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. PFBC: 0.25 )
Ranked among companies with meaningful Dividend Payout Ratio only.
PFBC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.11  Med: 0.24 Max: 0.27
Current: 0.25
0.11
0.27
Forward Dividend Yield % 1.42
PFBC's Forward Dividend Yield % is ranked lower than
83% of the 2274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. PFBC: 1.42 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.24
PFBC's 5-Year Yield-on-Cost % is ranked lower than
86% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. PFBC: 1.24 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
PFBC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.38  Med: 1.61 Max: 15.25
Current: 1.24
0.38
15.25
3-Year Average Share Buyback Ratio -2.20
PFBC's 3-Year Average Share Buyback Ratio is ranked lower than
53% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. PFBC: -2.20 )
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: -88.8  Med: -5.5 Max: 0.7
Current: -2.2
-88.8
0.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.41
PFBC's Price-to-Tangible-Book is ranked lower than
87% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. PFBC: 2.41 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PFBC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.33  Med: 1.45 Max: 2.83
Current: 2.41
0.33
2.83
Price-to-Intrinsic-Value-Projected-FCF 1.00
PFBC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
67% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. PFBC: 1.00 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
PFBC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.14  Med: 0.57 Max: 1.21
Current: 1
0.14
1.21
Price-to-Median-PS-Value 1.74
PFBC's Price-to-Median-PS-Value is ranked lower than
88% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. PFBC: 1.74 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PFBC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.13  Med: 1.09 Max: 12.83
Current: 1.74
0.13
12.83
Price-to-Peter-Lynch-Fair-Value 0.79
PFBC's Price-to-Peter-Lynch-Fair-Value is ranked higher than
71% of the 533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. PFBC: 0.79 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
PFBC' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.77  Med: 0.82 Max: 0.82
Current: 0.79
0.77
0.82
Price-to-Graham-Number 1.45
PFBC's Price-to-Graham-Number is ranked lower than
85% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. PFBC: 1.45 )
Ranked among companies with meaningful Price-to-Graham-Number only.
PFBC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.47  Med: 1.06 Max: 1.51
Current: 1.45
0.47
1.51
Earnings Yield (Greenblatt) % 11.10
PFBC's Earnings Yield (Greenblatt) % is ranked higher than
68% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. PFBC: 11.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PFBC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.8  Med: 20.85 Max: 3753.3
Current: 11.1
0.8
3753.3
Forward Rate of Return (Yacktman) % 106.66
PFBC's Forward Rate of Return (Yacktman) % is ranked higher than
97% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. PFBC: 106.66 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
PFBC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 26.5  Med: 89.1 Max: 146.8
Current: 106.66
26.5
146.8

More Statistics

Revenue (TTM) (Mil) $109.6
EPS (TTM) $ 2.56
Beta1.11
Short Percentage of Float1.23%
52-Week Range $27.07 - 58.12
Shares Outstanding (Mil)14.19

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 130 147
EPS ($) 3.02 3.30
EPS without NRI ($) 3.02 3.30
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($) 0.72 0.72
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