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Preferred BankPFBC -3.33%71 EV-to-OCF is 4.73 as of Aug. 19, 2026, which is 36% above its 10-year median of 3.49. GuruFocus rates PFBC with a GF Score™ of 71/100 and a GF Value™ of $90.04 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,497 Banks companies, Preferred Bank ranks worse than 54.11% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Preferred Bank's Enterprise Value is $800.4 Mil.
Preferred Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $169.1 Mil. Therefore, Preferred Bank's EV-to-OCF for today is 4.73.
The historical rank and industry rank for Preferred Bank's EV-to-OCF or its related term are showing as below:
PFBC'
s EV-to-OCF Range Over the Past 10 Years
Min: -1.93 Med: 3.49 Max: 13.11
Current: 4.73
During the past 13 years, the highest EV-to-OCF of Preferred Bank was 13.11. The lowest was -1.93. And the median was 3.49.
PFBC's EV-to-OCF is ranked worse than 54.11% of 1497
companies
in the Banks industry
Industry Median: 3.9
vs PFBC: 4.73
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Preferred Bank's PE Ratio (TTM) for today is calculated as:
Preferred Bank's share price for today is $103.13.
Preferred Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $10.720.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Preferred Bank EV-to-OCF Related Terms
Preferred Bank EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Preferred Bank's EV-to-OCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Preferred Bank's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Preferred Bank EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Preferred Bank's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Preferred Bank's EV-to-OCF falls into.
Preferred Bank's current Enterprise Value is $800.4 Mil.
Preferred Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $169.1 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Preferred Bank (PFBC) has a EV-to-OCF of 4.73 as of Aug. 19, 2026. This is 36% above median its historical median of 3.49. According to the industry distribution chart, Preferred Bank ranks #810 out of 1497 companies in the Banks industry, placing it in the top 54.1%.
Is Preferred Bank's EV-to-OCF too high?
Preferred Bank's current EV-to-OCF of 4.73 is 36% above median its 10-year median of 3.49. The Banks industry median EV-to-OCF is 3.90. Preferred Bank's value of 4.73 is 21.3% above this industry median. Based on the distribution chart, Preferred Bank ranks #810 out of 1497 companies in the Banks industry, which is below the industry midpoint. Overall, Preferred Bank has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Preferred Bank's EV-to-OCF compare to HBT and UVSP?
According to the Banks industry distribution chart, Preferred Bank ranks #810 out of 1497 companies for EV-to-OCF. This places Preferred Bank in the lower half of its industry. The industry median EV-to-OCF is 3.90. Preferred Bank's value of 4.73 is 21.3% above this benchmark. While the company's 10-year median is 3.49 vs. the industry median of 3.90, Preferred Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.90, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Preferred Bank's current EV-to-OCF of 4.73 is 21.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Preferred Bank's current EV-to-OCF is 4.73, which is 36% above median its own 10-year median of 3.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Preferred Bank stock overvalued right now?
Based on GuruFocus' analysis, Preferred Bank (PFBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $90.04, compared to a current price of $103.13 — trading 14.5% above its estimated fair value. The current EV-to-OCF is 4.73, which is 36% above median its 10-year median of 3.49 and 21.3% above the Banks industry median of 3.90. Preferred Bank's overall GF Score™ is 71/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Preferred Bank (PFBC), the current EV-to-OCF is 4.73 as of Aug. 19, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Preferred Bank (PFBC) Overvalued in 2026?
Based on GuruFocus' analysis, Preferred Bank stock appears to be overvalued.
The current stock price of $103.13 is trading 14.5% above its estimated GF Value™ of $90.04.
GuruFocus considers Preferred Bank to be Modestly Overvalued.
Key valuation signals for PFBC:
EV-to-OCF: 4.73 (36% above median its 10-year median of 3.49)
GF Value™: $90.04 vs. price of $103.13 (14.5% above fair value)
Industry Position: 21.3% above the Banks median (#810 of 1497)
No single metric tells the full story. See the PFBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Preferred Bank is a commercial bank located in California. Its products and services are divided into Personal Banking, Business Banking, and Commercial Banking, which include Checking accounts, Savings accounts, CDs, Loans and Credit, Electronic banking, and Treasury Management. It provides personalized deposit services, real estate finance, commercial loans, and trade finance credit facilities to small and mid-sized businesses and their owners, entrepreneurs, real estate developers and investors, professionals, and high-net-worth individuals.
71GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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