NAS:PFBC (USA) Also trade in: Germany

Preferred Bank

$ 45.13 -0.06 (-0.13%)
Volume: 17,916 Avg Vol (1m): 52,204
Market Cap $: 696.71 Mil Enterprise Value $: 60.84 Mil
P/E (TTM): 9.48 P/B: 1.58
Earnings Power Value 40.83
Net Current Asset Value 0
Tangible Book 28.53
Projected FCF 73.11
Median P/S Value 46.13
Graham Number 55.45
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 4/10

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.
Current vs industry vs history
Cash-to-Debt 5.52
Cash-To-Debt ranked higher than
68.34% of 1617 companies
in the Banks - Regional - US industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
PFBC: 5.52
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.21, Med: 3.83, Max: 10000
Current: 5.52
0.21
10000
Equity-to-Asset 0.10
Equity-to-Asset ranked lower than
52.49% of 1627 companies
in the Banks - Regional - US industry.
Industry Max: 1, Med: 0.11, Min: -11.05
PFBC: 0.1
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.07, Med: 0.11, Max: 0.13
Current: 0.1
0.07
0.13
Debt-to-Equity 0.23
Debt-to-Equity ranked higher than
76.96% of 1393 companies
in the Banks - Regional - US industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
PFBC: 0.23
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.08, Med: 0.21, Max: 0.73
Current: 0.23
0.08
0.73
Debt-to-EBITDA 0.60
Debt-to-EBITDA ranked higher than
76.48% of 1416 companies
in the Banks - Regional - US industry.
Industry Max: 2306.11, Med: 1.79, Min: 0.01
PFBC: 0.6
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 0.6
Current: 0.6
0
0.6
Beneish M-Score -2.19
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 13.09%

Profitability & Growth : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 43.35
Net Margin ranked higher than
85.48% of 1639 companies
in the Banks - Regional - US industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
PFBC: 43.35
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: -170.51, Med: 32.49, Max: 43.39
Current: 43.35
-170.51
43.39
ROE % 17.97
ROE ranked higher than
84.74% of 1638 companies
in the Banks - Regional - US industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
PFBC: 17.97
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: -65.09, Med: 11.35, Max: 18.1
Current: 17.97
-65.09
18.1
ROA % 1.80
ROA ranked higher than
77.75% of 1645 companies
in the Banks - Regional - US industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
PFBC: 1.8
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: -5.2, Med: 1.25, Max: 1.8
Current: 1.8
-5.2
1.8
3-Year Total Revenue Growth Rate 23.10
3-Year Revenue Growth Rate ranked higher than
90.35% of 1513 companies
in the Banks - Regional - US industry.
Industry Max: 672.4, Med: 4.3, Min: -100
PFBC: 19.2
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -50.1, Med: 15.5, Max: 113.9
Current: 19.2
-50.1
113.9
3-Year EPS w/o NRI Growth Rate 29.40
3-Year EPS w/o NRI Growth Rate ranked higher than
77.34% of 1359 companies
in the Banks - Regional - US industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
PFBC: 29.4
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 6.3, Max: 63
Current: 29.4
0
63

» PFBC's 30-Y Financials

Financials (Next Earnings Date: 2019-07-19)

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Business Description

Industry Banks » Banks - Regional - US    NAICS : 522110    SIC : 6022
Compare NAS:CBTX NYSE:BANC NAS:GABC NAS:HBNC NAS:CAC NYSE:BY NAS:HAFC NAS:CTBI NAS:UVSP NAS:ORIT NAS:PEBO NAS:AMTBB NAS:TRST NAS:ABTX XPTY:GBGR NAS:OPB NAS:NFBK NAS:BMTC NAS:BHBK NAS:TSC
Traded in other countries 1IU.Germany
Address 601 S. Figueroa Street, Suite 2900, 29th Floor, Los Angeles, CA, USA, 90017
Preferred Bank is a commercial bank in California. Its Services is divided into Personal Banking, Business Banking and Treasury Management which includes Checking, Savings & CDs, Loans, Information Solutions, Deposits Solutions, Payment Solutions, Liquidity Solutions to both consumers and businesses.

Ratios

Current vs industry vs history
PE Ratio (TTM) 9.48
PE Ratio ranked lower than
55.11% of 1557 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
PFBC: 9.48
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 2.53, Med: 14.68, Max: 37.47
Current: 9.48
2.53
37.47
Forward PE Ratio 8.73
Forward P/E ranked higher than
66.32% of 487 companies
in the Banks - Regional - US industry.
Industry Max: 232.56, Med: 11.17, Min: 3.33
PFBC: 8.73
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 9.48
PE without NRI ranked lower than
54.50% of 1532 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
PFBC: 9.48
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 2.53, Med: 14.68, Max: 37.47
Current: 9.48
2.53
37.47
Price-to-Owner-Earnings 9.05
Price-to-Owner-Earnings ranked lower than
50.46% of 989 companies
in the Banks - Regional - US industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
PFBC: 9.05
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 7.89, Med: 15.4, Max: 370.45
Current: 9.05
7.89
370.45
PB Ratio 1.58
PB Ratio ranked lower than
88.31% of 1651 companies
in the Banks - Regional - US industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
PFBC: 1.58
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.2, Med: 1.33, Max: 2.96
Current: 1.58
0.2
2.96
PS Ratio 4.07
PS Ratio ranked lower than
83.20% of 1649 companies
in the Banks - Regional - US industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
PFBC: 4.07
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.34, Med: 4.13, Max: 7.31
Current: 4.07
0.34
7.31
Price-to-Free-Cash-Flow 7.57
Price-to-Free-Cash-Flow ranked higher than
57.71% of 882 companies
in the Banks - Regional - US industry.
Industry Max: 2338.98, Med: 10.27, Min: 0
PFBC: 7.57
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 0.49, Med: 8.27, Max: 18.71
Current: 7.57
0.49
18.71
Price-to-Operating-Cash-Flow 7.18
Price-to-Operating-Cash-Flow ranked higher than
51.27% of 948 companies
in the Banks - Regional - US industry.
Industry Max: 1945525.29, Med: 9.19, Min: 0.01
PFBC: 7.18
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 0.49, Med: 8.28, Max: 40.33
Current: 7.18
0.49
40.33
EV-to-Revenue 0.37
EV-to-Revenue ranked higher than
74.87% of 1325 companies
in the Banks - Regional - US industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
PFBC: 0.37
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: -4, Med: 0.6, Max: 4.4
Current: 0.37
-4
4.4

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 2.42
Trailing Dividend Yield ranked lower than
72.25% of 2587 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 2.92, Min: 0.01
PFBC: 2.42
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 0.38, Med: 1.57, Max: 15.25
Current: 2.42
0.38
15.25
Dividend Payout Ratio 0.23
Dividend Payout Ratio ranked higher than
68.73% of 1420 companies
in the Banks - Regional - US industry.
Industry Max: 186.51, Med: 0.33, Min: 0.01
PFBC: 0.23
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.11, Med: 0.24, Max: 0.27
Current: 0.23
0.11
0.27
3-Year Dividend Growth Rate (Per Share) 26.00
3-Year Dividend Growth Rate ranked higher than
96.59% of 880 companies
in the Banks - Regional - US industry.
Industry Max: 228.7, Med: 6, Min: -100
PFBC: 26
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: -100, Max: 58.7
Current: 26
0
58.7
Forward Dividend Yield % 2.66
Forward Dividend Yield ranked lower than
68.75% of 2534 companies
in the Banks - Regional - US industry.
Industry Max: 98, Med: 3.16, Min: 0.01
PFBC: 2.66
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 2.43
Yield-on-Cost (5y) ranked lower than
75.24% of 2561 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 3.65, Min: 0.01
PFBC: 2.43
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 0.38, Med: 1.57, Max: 15.25
Current: 2.43
0.38
15.25
3-Year Share Buyback Rate -2.80
3-Year Share Buyback Rate ranked lower than
58.40% of 1137 companies
in the Banks - Regional - US industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
PFBC: -2.8
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -88.8, Med: -3.8, Max: 0.7
Current: -2.8
-88.8
0.7

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.59
Price-to-Tangible-Book ranked lower than
81.67% of 1669 companies
in the Banks - Regional - US industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
PFBC: 1.59
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.24, Med: 1.58, Max: 4.1
Current: 1.59
0.24
4.1
Price-to-Projected-FCF 0.62
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
50.94% of 958 companies
in the Banks - Regional - US industry.
Industry Max: 460, Med: 0.76, Min: 0.01
PFBC: 0.62
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.1, Med: 0.62, Max: 1.21
Current: 0.62
0.1
1.21
Price-to-Median-PS-Value 0.99
Price-to-Median-PS-Value ranked lower than
77.10% of 1524 companies
in the Banks - Regional - US industry.
Industry Max: 186, Med: 1.02, Min: 0.03
PFBC: 0.99
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.1, Med: 1.06, Max: 10.39
Current: 0.99
0.1
10.39
Price-to-Graham-Number 0.82
Price-to-Graham-Number ranked lower than
67.68% of 1476 companies
in the Banks - Regional - US industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
PFBC: 0.82
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.22, Med: 1.07, Max: 1.85
Current: 0.82
0.22
1.85

More Statistics

Revenue (TTM) (Mil) $ 168.69
EPS (TTM) $ 4.79
Beta 1.55
Volatility % 30.81
52-Week Range $ 39.87 - 69.48
Shares Outstanding (Mil) 15.33

Analyst Estimate

Piotroski F-Score Details