Preferred Bank [PFBC] vs U.S. Bancorp [USB] Detailed Stock Comparison
Preferred Bank
NASDAQ
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U.S. Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Preferred Bank wins in 12 metrics, U.S. Bancorp wins in 6 metrics, with 0 ties. Preferred Bank appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Preferred Bank | U.S. Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 9.41 | 11.36 | Preferred Bank |
| Price-to-Book Ratio | 1.49 | 1.36 | U.S. Bancorp |
| Debt-to-Equity Ratio | 0.50 | 1.34 | Preferred Bank |
| PEG Ratio | 2.36 | 0.79 | U.S. Bancorp |
| Profit Margin (TTM) | 47.20% | 27.00% | Preferred Bank |
| Operating Margin (TTM) | 69.63% | 37.33% | Preferred Bank |
| EBITDA Margin (TTM) | 69.63% | 37.33% | Preferred Bank |
| Return on Equity | 17.20% | 11.67% | Preferred Bank |
| Return on Assets (TTM) | 1.79% | 1.01% | Preferred Bank |
| Free Cash Flow (TTM) | $163.61M | $11.27B | U.S. Bancorp |
| Dividend Yield | 3.89% | 4.60% | U.S. Bancorp |
| 1-Year Return | 8.61% | 1.82% | Preferred Bank |
| Price-to-Sales Ratio (TTM) | 4.13 | 2.91 | U.S. Bancorp |
| Enterprise Value | $683.34M | $101.95B | U.S. Bancorp |
| EV/Revenue Ratio | 2.55 | 3.99 | Preferred Bank |
| Revenue per Share (TTM) | $20 | $16 | Preferred Bank |
| Earnings per Share (Diluted) | $9.51 | $4.18 | Preferred Bank |
| Beta (Stock Volatility) | 0.72 | 1.08 | Preferred Bank |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Preferred Bank vs U.S. Bancorp 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% |
| U.S. Bancorp | -3.86% | -1.69% | -4.60% | -0.42% | 19.85% | -1.59% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Preferred Bank | 8.61% | 30.52% | 163.15% | 188.19% | 963.57% | -32.93% |
| U.S. Bancorp | 1.82% | 10.15% | 20.34% | 15.53% | 108.96% | 68.45% |
News Based Sentiment: Preferred Bank vs U.S. Bancorp
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.
U.S. Bancorp
News based Sentiment: MIXED
October presented a mixed bag for U.S. Bancorp, with positive developments like a dividend increase and entry into digital asset custody countered by insider selling and a range of analyst opinions. The upcoming earnings release on October 16th will be key to understanding the bank's trajectory.
Performance & Financial Health Analysis: Preferred Bank vs U.S. Bancorp
| Metric | PFBC | USB |
|---|---|---|
| Market Information | ||
| Market Cap | $1.11B | $73.46B |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 64,419 | 8,391,430 |
| 90 Day Avg. Volume | 76,376 | 9,701,660 |
| Last Close | $86.99 | $45.28 |
| 52 Week Range | $71.90 - $99.78 | $35.18 - $53.98 |
| % from 52W High | -12.82% | -16.12% |
| All-Time High | $224.20 (Feb 05, 2007) | $63.57 (Jan 10, 2022) |
| % from All-Time High | -61.20% | -28.77% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.03% | 0.03% |
| Quarterly Earnings Growth | -0.02% | 0.13% |
| Financial Health | ||
| Profit Margin (TTM) | 0.47% | 0.27% |
| Operating Margin (TTM) | 0.70% | 0.37% |
| Return on Equity (TTM) | 0.17% | 0.12% |
| Debt to Equity (MRQ) | 0.50 | 1.34 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $60.20 | $35.02 |
| Cash per Share (MRQ) | $64.34 | $39.85 |
| Operating Cash Flow (TTM) | $165.86M | $7.48B |
| Levered Free Cash Flow (TTM) | $130.66M | $5.91B |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.89% | 4.60% |
| Last 12-Month Dividend | $3.70 | $1.99 |
Valuation & Enterprise Metrics Analysis: Preferred Bank vs U.S. Bancorp
| Metric | PFBC | USB |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 9.41 | 11.36 |
| Forward P/E | 10.15 | 10.97 |
| PEG Ratio | 2.36 | 0.79 |
| Price to Sales (TTM) | 4.13 | 2.91 |
| Price to Book (MRQ) | 1.49 | 1.36 |
| Market Capitalization | ||
| Market Capitalization | $1.11B | $73.46B |
| Enterprise Value | $683.34M | $101.95B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 2.55 | 3.99 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.72 | 1.08 |
| Book Value per Share (MRQ) | $60.20 | $35.02 |
Financial Statements Comparison: Preferred Bank vs U.S. Bancorp
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 | USB |
|---|---|---|
| Revenue/Sales | $66.66M | $6.93B |
| 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 | $2.16B |
| Income Tax | $12.56M | $443.00M |
| Net Income (Profit) | $30.02M | $1.72B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | PFBC | USB |
|---|---|---|
| Cash & Equivalents | $905.18M | $50.01B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $172.55M | $59.86B |
| Total Shareholders Equity | $778.60M | $60.56B |
| Retained Earnings | $705.36M | $77.69B |
| Property, Plant & Equipment | $28.56M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | PFBC | USB |
|---|---|---|
| Operating Cash Flow | $43.61M | $-750.00M |
| Capital Expenditures | $-331,000 | N/A |
| Free Cash Flow | $44.25M | $-285.00M |
| Debt Repayment | N/A | $-2.10B |
| Common Stock Repurchase | $-13.24M | $-160.00M |
Short Interest & Institutional Ownership Analysis
| Metric | PFBC | USB |
|---|---|---|
| Shares Short | 968,457 | 22.01M |
| Short Ratio | 14.52 | 2.51 |
| Short % of Float | 0.09% | 0.01% |
| Average Daily Volume (10 Day) | 64,419 | 8,391,430 |
| Average Daily Volume (90 Day) | 76,376 | 9,701,660 |
| Shares Outstanding | 13.19M | 1.56B |
| Float Shares | 10.86M | 1.55B |
| % Held by Insiders | 0.08% | 0.00% |
| % Held by Institutions | 0.90% | 0.82% |
Dividend Analysis & Yield Comparison: Preferred Bank vs U.S. Bancorp
| Metric | PFBC | USB |
|---|---|---|
| Last 12-Month Dividend | $3.70 | $1.99 |
| Last 12-Month Dividend Yield | 3.89% | 4.60% |
| 3-Year Avg Annual Dividend | $2.81 | $1.78 |
| 3-Year Avg Dividend Yield | 0.88% | 1.19% |
| 3-Year Total Dividends | $8.43 | $5.35 |
| Ex-Dividend Date | Oct 07, 2025 | Mar 31, 2025 |