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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 N/A
PFBC's Cash to Debt is ranked higher than
99% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. PFBC: N/A )
Ranked among companies with meaningful Cash to Debt only.
PFBC' s 10-Year Cash to Debt Range
Min: 0.21  Med: 5.48 Max: No Debt
Current: N/A
Interest Coverage No Debt
PFBC's Interest Coverage is ranked lower than
83% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. PFBC: No Debt )
Ranked among companies with meaningful Interest Coverage only.
PFBC' s 10-Year Interest Coverage Range
Min: 0.42  Med: 1.88 Max: 9999.99
Current: No Debt
0.42
9999.99
WACC vs ROIC
11.11%
12.00%
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 (%) 54.93
PFBC's Operating margin (%) is ranked higher than
90% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. PFBC: 54.93 )
Ranked among companies with meaningful Operating margin (%) only.
PFBC' s 10-Year Operating margin (%) Range
Min: -189.62  Med: 15.53 Max: 64.48
Current: 54.93
-189.62
64.48
Net-margin (%) 33.07
PFBC's Net-margin (%) is ranked higher than
80% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. PFBC: 33.07 )
Ranked among companies with meaningful Net-margin (%) only.
PFBC' s 10-Year Net-margin (%) Range
Min: -170.51  Med: 29.27 Max: 41.69
Current: 33.07
-170.51
41.69
ROE (%) 2.79
PFBC's ROE (%) is ranked lower than
68% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. PFBC: 2.79 )
Ranked among companies with meaningful ROE (%) only.
PFBC' s 10-Year ROE (%) Range
Min: -65.09  Med: 13.80 Max: 29.04
Current: 2.79
-65.09
29.04
ROA (%) 0.32
PFBC's ROA (%) is ranked lower than
61% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. PFBC: 0.32 )
Ranked among companies with meaningful ROA (%) only.
PFBC' s 10-Year ROA (%) Range
Min: -5.2  Med: 1.65 Max: 2.46
Current: 0.32
-5.2
2.46
ROC (Joel Greenblatt) (%) 254.65
PFBC's ROC (Joel Greenblatt) (%) is ranked higher than
91% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. PFBC: 254.65 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
PFBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -1196.6  Med: 140.79 Max: 2711.5
Current: 254.65
-1196.6
2711.5
Revenue Growth (3Y)(%) -100.00
PFBC's Revenue Growth (3Y)(%) is ranked lower than
95% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. PFBC: -100.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PFBC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -27.15 Max: 18.5
Current: -100
0
18.5
EBITDA Growth (3Y)(%) -100.00
PFBC's EBITDA Growth (3Y)(%) is ranked lower than
216% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. PFBC: -100.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PFBC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 0.00 Max: 23.4
Current: -100
0
23.4
EPS Growth (3Y)(%) -100.00
PFBC's EPS Growth (3Y)(%) is ranked lower than
214% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. PFBC: -100.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PFBC' s 10-Year EPS Growth (3Y)(%) Range
Min: -100  Med: 36.35 Max: 86.7
Current: -100
-100
86.7
» PFBC's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q1 2015

PFBC Guru Trades in Q1 2015

Jim Simons 289,255 sh (+4.79%)
» 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
Forward P/E 13.97
PFBC's Forward P/E is ranked lower than
68% of the 750 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. PFBC: 13.97 )
Ranked among companies with meaningful Forward P/E only.
N/A
P/B 1.65
PFBC's P/B is ranked lower than
85% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. PFBC: 1.65 )
Ranked among companies with meaningful P/B only.
PFBC' s 10-Year P/B Range
Min: 0.13  Med: 0.89 Max: 3.26
Current: 1.65
0.13
3.26
P/S 5.29
PFBC's P/S is ranked lower than
90% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. PFBC: 5.29 )
Ranked among companies with meaningful P/S only.
PFBC' s 10-Year P/S Range
Min: 0.32  Med: 3.60 Max: 8.55
Current: 5.29
0.32
8.55
Days Sales Outstanding 147.93
PFBC's Days Sales Outstanding is ranked lower than
79% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. PFBC: 147.93 )
Ranked among companies with meaningful Days Sales Outstanding only.
PFBC' s 10-Year Days Sales Outstanding Range
Min: 38.26  Med: 50.64 Max: 83.06
Current: 147.93
38.26
83.06

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.47
PFBC's Dividend Yield is ranked lower than
87% of the 2112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. PFBC: 1.47 )
Ranked among companies with meaningful Dividend Yield only.
PFBC' s 10-Year Dividend Yield Range
Min: 1.21  Med: 4.94 Max: 17
Current: 1.47
1.21
17
Dividend Payout 0.17
PFBC's Dividend Payout is ranked lower than
175% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.24 vs. PFBC: 0.17 )
Ranked among companies with meaningful Dividend Payout only.
PFBC' s 10-Year Dividend Payout Range
Min: 0.24  Med: 0.26 Max: 0.27
Current: 0.17
0.24
0.27
Yield on cost (5-Year) 1.47
PFBC's Yield on cost (5-Year) is ranked lower than
86% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.91 vs. PFBC: 1.47 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PFBC' s 10-Year Yield on cost (5-Year) Range
Min: 1.21  Med: 4.94 Max: 17
Current: 1.47
1.21
17
Share Buyback Rate 100.00
PFBC's Share Buyback Rate is ranked lower than
96% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. PFBC: 100.00 )
Ranked among companies with meaningful Share Buyback Rate only.
PFBC' s 10-Year Share Buyback Rate Range
Min: 100  Med: -11.30 Max: -87.8
Current: 100

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.66
PFBC's Price/Tangible Book is ranked lower than
77% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. PFBC: 1.66 )
Ranked among companies with meaningful Price/Tangible Book only.
PFBC' s 10-Year Price/Tangible Book Range
Min: 0.33  Med: 0.91 Max: 2.81
Current: 1.66
0.33
2.81

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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