Preferred Bank [PFBC] vs Nu Holdings [NU] Detailed Stock Comparison
Preferred Bank
Nu Holdings
TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Preferred Bank wins in 10 metrics, Nu Holdings wins in 7 metrics, with 0 ties. Preferred Bank appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Preferred Bank | Nu Holdings | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 9.41 | 32.19 | Preferred Bank |
| Price-to-Book Ratio | 1.49 | 7.64 | Preferred Bank |
| Debt-to-Equity Ratio | 0.50 | 0.36 | Nu Holdings |
| PEG Ratio | 2.36 | 1.09 | Nu Holdings |
| Profit Margin (TTM) | 47.20% | 39.32% | Preferred Bank |
| Operating Margin (TTM) | 69.63% | 54.14% | Preferred Bank |
| EBITDA Margin (TTM) | 69.63% | 54.14% | Preferred Bank |
| Return on Equity | 17.20% | 27.88% | Nu Holdings |
| Return on Assets (TTM) | 1.79% | 4.28% | Nu Holdings |
| Free Cash Flow (TTM) | $163.61M | $2.22B | Nu Holdings |
| Dividend Yield | 3.89% | N/A | N/A |
| 1-Year Return | 8.61% | 12.11% | Nu Holdings |
| Price-to-Sales Ratio (TTM) | 4.13 | 12.50 | Preferred Bank |
| Enterprise Value | $683.34M | $62.48B | Nu Holdings |
| EV/Revenue Ratio | 2.55 | 10.68 | Preferred Bank |
| Revenue per Share (TTM) | $20 | $1 | Preferred Bank |
| Earnings per Share (Diluted) | $9.51 | $0.47 | Preferred Bank |
| Beta (Stock Volatility) | 0.72 | 1.09 | Preferred Bank |
Preferred Bank vs Nu Holdings Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Preferred Bank | -2.64% | -0.33% | -5.57% | -2.75% | 12.53% | 4.47% |
| Nu Holdings | -2.93% | 0.99% | -0.58% | 12.68% | 40.75% | 44.59% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Preferred Bank | 8.61% | 30.52% | 163.15% | 188.19% | 963.57% | -32.93% |
| Nu Holdings | 12.11% | 273.06% | 29.70% | 29.70% | 29.70% | 29.70% |
News Based Sentiment: Preferred Bank vs Nu Holdings
Preferred Bank
News based Sentiment: MIXED
Preferred Bank reported a mixed quarter with an earnings beat but revenue miss, alongside positive shareholder returns and a slight downward revision of earnings estimates. Insider selling adds a layer of caution, creating a mixed investment narrative. While the bank demonstrates financial stability, recent developments suggest a need for careful monitoring.
Nu Holdings
News based Sentiment: POSITIVE
Nu Holdings demonstrated strong financial performance in Q2 2025 and made a significant strategic move by applying for a U.S. bank charter. These developments, coupled with continued customer growth and positive analyst sentiment, suggest a positive trajectory for the company, though the U.S. expansion introduces new risks.
Performance & Financial Health Analysis: Preferred Bank vs Nu Holdings
| Metric | PFBC | NU |
|---|---|---|
| Market Information | ||
| Market Cap | $1.11B | $74.71B |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 64,419 | 48,849,330 |
| 90 Day Avg. Volume | 76,376 | 47,124,900 |
| Last Close | $86.99 | $14.92 |
| 52 Week Range | $71.90 - $99.78 | $9.01 - $16.42 |
| % from 52W High | -12.82% | -9.16% |
| All-Time High | $224.20 (Feb 05, 2007) | $16.42 (Sep 23, 2025) |
| % from All-Time High | -61.20% | -9.14% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.03% | 0.14% |
| Quarterly Earnings Growth | -0.02% | 0.31% |
| Financial Health | ||
| Profit Margin (TTM) | 0.47% | 0.39% |
| Operating Margin (TTM) | 0.70% | 0.54% |
| Return on Equity (TTM) | 0.17% | 0.28% |
| Debt to Equity (MRQ) | 0.50 | 0.36 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $60.20 | $1.98 |
| Cash per Share (MRQ) | $64.34 | $2.92 |
| Operating Cash Flow (TTM) | $165.86M | $-7,625,014,784 |
| Levered Free Cash Flow (TTM) | $130.66M | $1.97B |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.89% | N/A |
| Last 12-Month Dividend | $3.70 | N/A |
Valuation & Enterprise Metrics Analysis: Preferred Bank vs Nu Holdings
| Metric | PFBC | NU |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 9.41 | 32.19 |
| Forward P/E | 10.15 | 24.40 |
| PEG Ratio | 2.36 | 1.09 |
| Price to Sales (TTM) | 4.13 | 12.50 |
| Price to Book (MRQ) | 1.49 | 7.64 |
| Market Capitalization | ||
| Market Capitalization | $1.11B | $74.71B |
| Enterprise Value | $683.34M | $62.48B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 2.55 | 10.68 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.72 | 1.09 |
| Book Value per Share (MRQ) | $60.20 | $1.98 |
Financial Statements Comparison: Preferred Bank vs Nu Holdings
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | PFBC | NU |
|---|---|---|
| Revenue/Sales | $66.66M | $2.25B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $42.59M | $795.07M |
| Income Tax | $12.56M | $237.87M |
| Net Income (Profit) | $30.02M | $557.21M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | PFBC | NU |
|---|---|---|
| Cash & Equivalents | $905.18M | $14.93B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $172.55M | $26.70M |
| Total Shareholders Equity | $778.60M | $8.61B |
| Retained Earnings | $705.36M | $4.03B |
| Property, Plant & Equipment | $28.56M | $46.08M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | PFBC | NU |
|---|---|---|
| Operating Cash Flow | $43.61M | $3.21B |
| Capital Expenditures | $-331,000 | $-2.40M |
| Free Cash Flow | $44.25M | $1.00B |
| Debt Repayment | N/A | $-356.77M |
| Common Stock Repurchase | $-13.24M | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | PFBC | NU |
|---|---|---|
| Shares Short | 968,457 | 115.89M |
| Short Ratio | 14.52 | 2.03 |
| Short % of Float | 0.09% | 0.03% |
| Average Daily Volume (10 Day) | 64,419 | 48,849,330 |
| Average Daily Volume (90 Day) | 76,376 | 47,124,900 |
| Shares Outstanding | 13.19M | 4.82B |
| Float Shares | 10.86M | 3.61B |
| % Held by Insiders | 0.08% | 0.05% |
| % Held by Institutions | 0.90% | 0.80% |
Dividend Analysis & Yield Comparison: Preferred Bank vs Nu Holdings
| Metric | PFBC | NU |
|---|---|---|
| Last 12-Month Dividend | $3.70 | N/A |
| Last 12-Month Dividend Yield | 3.89% | N/A |
| 3-Year Avg Annual Dividend | $2.81 | N/A |
| 3-Year Avg Dividend Yield | 0.88% | N/A |
| 3-Year Total Dividends | $8.43 | N/A |
| Ex-Dividend Date | Oct 07, 2025 | N/A |