Preferred Bank (PFBC) Stock Price

Preferred Bank Price

NASDAQ·CLOSED
103.80USD+2.42 (+2.36 %)
Market closed

Over the last 19 years Preferred Bank grew revenue by 8.3% annually, reaching 283.40 M USD. Earnings per share have declined at 0.3% per year over the last 19 years. For Preferred Bank, the net margin of 47.2% is down versus 49.2% a few years ago. At today's price the dividend yield works out to roughly 3.61%. The payout ratio is around 35% of earnings. The dividend has grown at 8.5% per year over the past 19 years. The consensus 12-month price target for Preferred Bank is 106.08 USD, about 2.2% above where the stock trades today. Of 10 analysts, 6 rate the stock a buy — an overall Buy consensus. Preferred Bank's share price has gained 10.6% over the last twelve months. The stock trades about 25% above its 52-week low.

Preferred Bank stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of Preferred Bank over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Preferred Bank stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Preferred Bank's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Preferred Bank Stock Price History
DatePreferred Bank Price
7/27/2026103.80 USD
7/23/2026101.38 USD
7/22/2026104.89 USD
7/21/2026106.04 USD
7/20/2026106.87 USD
7/17/2026107.39 USD
7/16/2026109.42 USD
7/15/2026106.76 USD
7/14/2026105.85 USD
7/13/2026105.73 USD
7/10/2026105.74 USD
7/9/2026104.96 USD
7/8/2026103.64 USD
7/7/2026105.22 USD
7/6/2026106.72 USD
7/2/2026107.16 USD
7/1/2026107.87 USD
6/30/2026106.26 USD
6/29/2026104.52 USD
6/26/2026104.82 USD
6/25/2026104.74 USD
6/24/2026103.94 USD
6/23/2026101.78 USD
6/22/2026100.19 USD
6/18/202699.14 USD
6/17/202698.86 USD
6/16/2026100.57 USD
6/15/2026101.03 USD
6/12/2026101.90 USD
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9/11/202594.56 USD
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9/5/202595.24 USD
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9/3/202594.25 USD
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8/29/202594.54 USD
8/28/202595.15 USD
8/27/202595.30 USD
8/26/202594.32 USD
8/25/202594.00 USD
8/22/202594.77 USD
8/21/202590.82 USD
8/20/202591.11 USD
8/19/202590.99 USD
8/18/202592.01 USD
8/15/202591.62 USD
8/14/202593.49 USD
8/13/202593.84 USD
8/12/202592.96 USD
8/11/202591.08 USD
8/8/202591.15 USD
8/7/202589.84 USD
8/6/202590.47 USD
8/5/202591.05 USD
8/4/202590.86 USD
7/31/202589.07 USD
7/30/202590.82 USD
7/29/202591.32 USD
7/28/202592.42 USD
Access this data via the Eulerpool API

Preferred Bank Revenue, Pre-Provision Profit, Net Income

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  • 25 Years

  • Max

Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2020
180.21 M USD
96.81 M USD
69.47 M USD
Jan 1, 2021
193.62 M USD
133.82 M USD
95.24 M USD
Jan 1, 2022
254.40 M USD
183.70 M USD
128.85 M USD
Jan 1, 2023
324.44 M USD
247.81 M USD
150.04 M USD
Jan 1, 2024
283.96 M USD
193.90 M USD
130.66 M USD
Jan 1, 2025
283.40 M USD
191.71 M USD
133.63 M USD
Jan 1, 2026 (e)
291.03 M USD
0.00 USD
137.59 M USD
Jan 1, 2027 (e)
306.36 M USD
0.00 USD
140.93 M USD

Preferred Bank Income Statement, Balance Sheet, Cash Flow Statement

Last updated Jul 28, 2026, 8:27 PM
 
REVENUEM USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM USD
Net Interest IncomeM USD
Non-Interest IncomeM USD
Loan Loss ProvisionsM USD
Pre-Provision Profit (PPOP)M USD
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
201220132014201520162017201820192020202120222023202420252026e2027e
56.0072.0085.0099.00127.00162.00203.00232.00220.00218.00301.00481.00520.00499.00291.00306.00
16.6728.5718.0616.4728.2827.5625.3114.29-5.17-0.9138.0759.808.11-4.04-41.685.15
50.0084.7284.7186.8780.3179.6374.8871.9870.0088.9982.0658.8452.1254.9154.9154.91
28.0061.0072.0086.00102.00129.00152.00167.00154.00194.00247.00283.00271.00274.00159.79168.02
53.8062.0071.0083.85104.18129.70154.23164.64174.15185.88247.36294.09272.63270.82
3.502.003.604.374.635.268.796.256.067.747.0430.3511.3312.58
19.803.303.401.806.405.5010.103.507.4010.0012.109.10
23.1034.7044.2052.5265.3185.47108.22113.6896.81133.82183.70247.81193.90191.71
23.0019.0024.0029.0036.0043.0070.0078.0069.0095.00128.00150.00130.00133.00137.00140.00
91.67-17.3926.3220.8324.1419.4462.7911.43-11.5437.6834.7417.19-13.332.313.012.19
0.400.460.600.760.941.201.201.441.722.202.803.753.203.84
15.0030.4326.6723.6827.6620.0019.4427.9127.2733.93-14.6720.00
13.0713.2413.4013.8014.0714.7515.1514.8714.8914.8914.6213.8013.4412.4812.4812.48
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Preferred Bank generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Preferred Bank retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Preferred Bank's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Preferred Bank has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Preferred Bank's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Preferred Bank stock margins

The Preferred Bank margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Preferred Bank. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Preferred Bank.
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Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2020
46.28 %
38.55 %
Jan 1, 2021
30.89 %
49.19 %
Jan 1, 2022
27.79 %
50.65 %
Jan 1, 2023
23.62 %
46.25 %
Jan 1, 2024
31.72 %
46.01 %
Jan 1, 2025
32.35 %
47.15 %
Jan 1, 2026 (e)
0.00 %
47.28 %
Jan 1, 2027 (e)
0.00 %
46.00 %

Preferred Bank Revenue per Share, Earnings per Share

The Preferred Bank earnings per share therefore indicates how much revenue Preferred Bank has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2020
12.10 USD
4.66 USD
Jan 1, 2021
13.01 USD
6.40 USD
Jan 1, 2022
17.40 USD
8.81 USD
Jan 1, 2023
23.50 USD
10.87 USD
Jan 1, 2024
21.12 USD
9.72 USD
Jan 1, 2025
22.71 USD
10.71 USD
Jan 1, 2026 (e)
22.67 USD
10.72 USD
Jan 1, 2027 (e)
23.86 USD
10.98 USD

Preferred Bank business model & stock analysis

Preferred Bank is an American bank that was founded in 1991 and is headquartered in Los Angeles, California. The bank is known for its customized solutions for small and medium-sized enterprises (SMEs) and has experienced steady growth in recent years. The bank's business model focuses on providing financial services for SMEs, offering a wide range of products including savings accounts, checking accounts, personal loans, construction loans, business loans, trust accounts, and other financial services. The bank emphasizes the personal connection with its customers, tailoring financial solutions to meet their specific needs. Preferred Bank is divided into four divisions: personal banking, business banking, SBA lending, and real estate lending. Each division caters to the specific needs of different customer groups, offering specialized products and services. The personal banking division provides various services for individual customers, such as savings accounts, checking accounts, online and mobile banking, and loans. The business banking division specializes in financial services for small and medium-sized enterprises, offering savings accounts, checking accounts, mobile and online banking, loans, trust accounts, and other financial services. The SBA lending division focuses on Small Business Administration (SBA) loans. Preferred Bank is an approved SBA lender, providing a variety of loan solutions tailored to the specific requirements of SMEs. The real estate lending division specializes in financial services for the real estate sector, offering a wide range of loan solutions for purchasing, constructing, or renovating properties. Preferred Bank offers a variety of products and services for personal and business customers, as well as for the SBA lending and real estate lending divisions. The main products and services include savings accounts, checking accounts, personal loans, business loans, and trust accounts. The bank's savings accounts offer flexibility and profitability, with options for children, special needs, and retirement savings. The checking accounts provide various features such as transfers, cash withdrawals, mobile banking, and online banking. Personal loans are available for purposes such as buying a car, renovating, or purchasing a home, with customized solutions and attractive conditions. Business loans are tailored to the financial needs of small and medium-sized enterprises, offering loans for working capital, investments, acquisitions, and other purposes. Trust accounts are offered for the management of funds, with the bank acting as a trustee and ensuring proper administration. Preferred Bank is recognized for its customized financial solutions, customer satisfaction, and steady growth.

Preferred Bank SWOT Analysis

Strengths

Preferred Bank has a strong financial position and a robust balance sheet. It has consistently reported high profitability, indicating effective management and sound business strategies. The bank also has a diversified loan portfolio and a stable customer base. Furthermore, it operates in a growing market with increasing demand for its services.

Weaknesses

One of Preferred Bank's weaknesses is its limited geographical presence, which makes it more susceptible to local economic conditions. It also faces intense competition within the banking industry, making it challenging to attract and retain customers. Moreover, the bank's reliance on a few key customers for a significant portion of its revenue exposes it to business risks if those customers reduce their reliance on the bank.

Opportunities

Preferred Bank can seize several opportunities to drive future growth. Expanding its branch network into new regions would allow the bank to tap into untapped markets and reach a wider customer base. The increasing demand for digital banking services presents an opportunity for the bank to invest in technology and enhance its online and mobile banking platforms. Additionally, strategic partnerships or acquisitions could help the bank expand its product offerings and market share.

Threats

The banking industry is subject to numerous regulatory and compliance requirements, posing a threat to Preferred Bank's operations. Adverse economic conditions, such as recessions or downturns, can negatively impact the bank's loan quality and profitability. Moreover, increased cybersecurity threats and data breaches pose risks to customer trust and confidentiality. Finally, the emergence of fintech companies disrupting traditional banking services poses a threat to the bank's market share.

Preferred Bank Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Preferred Bank historical P/E ratio, EBIT multiple, and P/S ratio

Preferred Bank annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Preferred Bank shares outstanding

The number of shares of Preferred Bank was 12.48 M in 2025. This indicates how many shares Preferred Bank is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
14.89 M Stocks
Jan 1, 2021
14.89 M Stocks
Jan 1, 2022
14.62 M Stocks
Jan 1, 2023
13.80 M Stocks
Jan 1, 2024
13.44 M Stocks
Jan 1, 2025
12.48 M Stocks
Jan 1, 2026 (e)
12.48 M Stocks
Jan 1, 2027 (e)
12.48 M Stocks

Preferred Bank stock splits

In Preferred Bank's history, there have been no stock splits.

Preferred Bank Dividend History

21 years of dividend payments · 5 consecutive increases

YearAnnual DividendYoY ChangePayments
20262.40USDYTD
Jan 6, 20260.80USD 6.7%1/3
Apr 7, 20260.80USD 0.0%2/3
Jul 7, 20260.80USD 0.0%3/3
20253.75USD 33.9%
Jan 9, 20250.75USD 7.1%1/5
Jan 10, 20250.75USD 0.0%2/5
Apr 7, 20250.75USD 0.0%3/5
Jul 8, 20250.75USD 0.0%4/5
Oct 7, 20250.75USD 0.0%5/5
20242.80USD 27.3%
20232.20USD 27.9%
20221.72USD 19.4%
20211.44USD 20.0%
20201.20USD 0.0%
20191.20USD 27.7%
20180.94USD 23.7%
20170.76USD 26.7%

Preferred Bank dividend history and estimates

In 2025, Preferred Bank paid a dividend amounting to 3.75 USD. Dividend means that Preferred Bank distributes a portion of its profits to its owners.
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Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2020
1.20 USD
0.00 USD
Jan 1, 2021
1.44 USD
0.00 USD
Jan 1, 2022
1.72 USD
0.00 USD
Jan 1, 2023
2.20 USD
0.00 USD
Jan 1, 2024
2.80 USD
0.00 USD
Jan 1, 2025
3.75 USD
0.00 USD
Jan 1, 2026 (e)
1.60 USD
1.60 USD
Jan 1, 2027 (e)
0.00 USD
3.84 USD

Preferred Bank dividend payout ratio

In 2025, Preferred Bank had a payout ratio of 35.02%. The payout ratio indicates the percentage of the company's profits that Preferred Bank distributes as dividends.
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Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
25.73 %
Jan 1, 2021
22.51 %
Jan 1, 2022
19.51 %
Jan 1, 2023
20.24 %
Jan 1, 2024
28.81 %
Jan 1, 2025
35.02 %
Jan 1, 2026 (e)
29.86 %
Jan 1, 2027 (e)
34.98 %

Current Preferred Bank forecasts and price targets in July 2026

Analyst Price Targets 2026
Δ MOM Price Target
0.00 %
Buy60.00 % (6)
Hold40.00 % (4)
Sell0.00 % (0)
12M Price Target
106.08
Last Price
103.80
Currency
USD
12M Return Potential
2.20 %
LTM Return
0 %

Preferred Bank Earnings Estimates

DateEPS estimateRevenue EstimateQuarterly report
7/22/20262.71USD71.91 MUSD2026 Q2
4/23/20262.58USD70.62 MUSD2026 Q1
4/22/20262.58USD70.62 MUSD2026 Q1
4/21/20262.58USD70.62 MUSD2026 Q1
1/28/20262.76USD71.65 MUSD2025 Q4
1/26/20262.76USD71.65 MUSD2025 Q4
1/22/20262.84USD71.75 MUSD2025 Q4
4/16/20242.36USD67.93 MUSD2024 Q1
1/16/20242.59USD71.89 MUSD2023 Q4
7/18/20232.46USD72.51 MUSD2023 Q2
...

EESG©

Eulerpool ESG Scorecard© for the Preferred Bank stock

27/100
2
Environment
44
Social
35
Governance
E

Environment

20
Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees70
Percentage of women in management
Percentage of Asian employees74
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees11
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Preferred Bank shareholder structure

% Name
8.86679%
BlackRock Institutional Trust Company, N.A.
BlackRock Institutional Trust Company, N.A.
8.14559%
T. Rowe Price Investment Management, Inc.
T. Rowe Price Investment Management, Inc.
6.48775%
The Vanguard Group, Inc.
The Vanguard Group, Inc.
5.49920%
Yu Li
Yu Li
4.56751%
Dimensional Fund Advisors, L.P.
Dimensional Fund Advisors, L.P.
4.21595%
State Street Investment Management (US)
State Street Investment Management (US)
...

Preferred Bank Executives and Management Board

LY

Mr. Li Yu

(83)

Chairman of the Board, Chief Executive Officer · since 1991

Compensation4.72 M USD
WC

Mr. Wellington Chen

(64)

President, Chief Operating Officer

Compensation1.81 M USD
EC

Mr. Edward Czajka

(59)

Chief Financial Officer, Executive Vice President

Compensation1.16 M USD
NP

Mr. Nick Pi

(63)

Executive Vice President, Chief Risk Officer

Compensation1.06 M USD
JH

Mr. Johnny Hsu

(49)

Executive Vice President, Deputy Chief Operating Officer

Compensation941,344.00 USD

Frequently asked questions about Preferred Bank

The business model of Preferred Bank revolves around being a commercial bank that provides a wide range of financial services to small and mid-sized businesses, entrepreneurs, and professionals. With their emphasis on relationship-based lending, Preferred Bank focuses on building long-term partnerships with clients to understand their unique financial needs. Their services include commercial real estate loans, commercial and industrial loans, SBA loans, and trade finance. Additionally, they offer deposit products, treasury management services, and online banking solutions. Preferred Bank's commitment to exceptional customer service and personalized solutions makes them a trusted partner in fulfilling the financial goals of their clients.