Preferred Bank | Small-cap | Financial Services
$86.99
-2.64%
| Preferred Bank Stock Comparison:
Preferred Bank vs Nu HoldingsPreferred Bank vs U.S. BancorpPreferred Bank vs OFG BancorpPreferred Bank vs Northwest BancsharesPreferred Bank vs LendingClubPreferred Bank vs S&P 500 | Market
TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Mar 2025

Income Metrics

Revenue 66.7M
Net Income 30.0M 45.04%
EPS (Diluted) $2.23

Balance Sheet Metrics

Total Assets 7.1B
Total Liabilities 6.3B
Shareholders Equity 778.6M
Debt to Equity 8.12

Cash Flow Metrics

Operating Cash Flow 43.6M
Free Cash Flow 44.2M

Revenue & Profitability Trend

Preferred Bank Income Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Revenue i 284.0M 293.1M 254.4M 193.6M 180.2M
Cost of Goods Sold i - - - - -
Gross Profit i - - - - -
Gross Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Operating Expenses
Research & Development i - - - - -
Selling, General & Administrative i 54.9M 52.1M 49.4M 43.2M 40.1M
Other Operating Expenses i - - - - -
Total Operating Expenses i 54.9M 52.1M 49.4M 43.2M 40.1M
Operating Income i - - - - -
Operating Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Non-Operating Items
Interest Income i - - - - -
Interest Expense i - - - - -
Other Non-Operating Income - - - - -
Pre-tax Income i 184.0M 209.9M 179.2M 133.8M 96.9M
Income Tax i 53.4M 59.8M 50.4M 38.6M 27.4M
Effective Tax Rate % i 29.0% 28.5% 28.1% 28.8% 28.3%
Net Income i 130.7M 150.0M 128.8M 95.2M 69.5M
Net Margin % i 46.0% 51.2% 50.6% 49.2% 38.5%
Key Metrics
EBITDA i - - - - -
EPS (Basic) i $9.79 $10.64 $8.84 $6.41 $4.65
EPS (Diluted) i $9.64 $10.52 $8.70 $6.41 $4.65
Basic Shares Outstanding i 13347004 14095745 14579132 14866000 14885230
Diluted Shares Outstanding i 13347004 14095745 14579132 14866000 14885230

Income Statement Trend

Preferred Bank Balance Sheet From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Assets
Current Assets
Cash & Equivalents i 765.5M 890.9M 747.5M 1.0B 739.5M
Short-term Investments i 3.0K 313.8M 428.3M 451.9M 239.7M
Accounts Receivable i 33.6M 33.9M 23.6M 14.6M 23.7M
Inventory i - - - - -
Other Current Assets - - - - -
Total Current Assets i - - - - -
Non-Current Assets
Property, Plant & Equipment i 13.2M 22.0M 21.7M 22.0M 16.1M
Goodwill i - - - - -
Intangible Assets i - - - - -
Long-term Investments - - - - -
Other Non-Current Assets - - - - -
Total Non-Current Assets i - - - - -
Total Assets i 6.9B - - - -
Liabilities
Current Liabilities
Accounts Payable i 16.5M 16.1M 2.6M 715.0K 1.2M
Short-term Debt i - - - - -
Current Portion of Long-term Debt - - - - -
Other Current Liabilities - - - - -
Total Current Liabilities i - - - - -
Non-Current Liabilities
Long-term Debt i 165.5M 168.0M 168.9M 170.6M 118.0M
Deferred Tax Liabilities i - - - - -
Other Non-Current Liabilities - - - - -
Total Non-Current Liabilities i - - - - -
Total Liabilities i 6.2B - - - -
Equity
Common Stock i 210.9M 210.9M 210.9M 210.9M 210.9M
Retained Earnings i 685.1M 592.3M 475.1M 373.0M 301.0M
Treasury Stock i 201.2M 163.2M 108.5M 75.2M 57.5M
Other Equity - - - - -
Total Shareholders Equity i 763.2M 695.1M 630.4M 586.7M 525.4M
Key Metrics
Total Debt i 165.5M 168.0M 168.9M 170.6M 118.0M
Working Capital i 0 0 0 0 0

Balance Sheet Composition

Preferred Bank Cash Flow Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Operating Activities
Net Income i 130.7M 150.0M 128.8M 95.2M 69.5M
Depreciation & Amortization i 2.2M 1.7M 1.9M 1.9M 1.9M
Stock-Based Compensation i 9.2M 5.8M 8.4M 9.1M 8.9M
Working Capital Changes i 7.4M -1.0M -3.0M 13.3M -8.5M
Operating Cash Flow i 157.2M 165.1M 142.3M 122.5M 73.6M
Investing Activities
Capital Expenditures i -919.0K -2.4M -356.0K -603.0K -1.5M
Acquisitions i - - - - -8.4M
Investment Purchases i -60.6M -72.6M -119.9M -281.9M -185.4M
Investment Sales i 23.2M 167.0M 83.0M 50.3M 181.4M
Investing Cash Flow i -38.3M 95.4M -50.3M -207.5M -15.8M
Financing Activities
Share Repurchases i -38.2M -55.2M -33.3M -17.7M -2.4M
Dividends Paid i -37.5M -31.1M -25.1M -21.4M -17.9M
Debt Issuance i - 0 0 147.6M 0
Debt Repayment i - 0 0 -100.0M 0
Financing Cash Flow i -75.7M -86.4M -58.4M 8.5M -20.4M
Free Cash Flow i 163.6M 173.0M 143.4M 119.0M 102.3M
Net Change in Cash i 43.2M 174.2M 33.6M -76.5M 37.4M

Cash Flow Trend

Preferred Bank Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 9.41
Forward P/E 10.15
Price to Book 1.49
Price to Sales 4.13
PEG Ratio 2.36

Profitability Ratios

Profit Margin 47.20%
Operating Margin 69.63%
Return on Equity 17.20%
Return on Assets 1.79%

Financial Health

Debt to Equity 0.50
Beta 0.72

Per Share Data

EPS (TTM) $9.51
Book Value per Share $60.20
Revenue per Share $20.49

Peer Financial Comparison

Company Market Cap P/E Ratio P/B Ratio ROE Profit Margin Debt/Equity
pfbc 1.1B 9.41 1.49 17.20% 47.20% 0.50
Nu Holdings 74.7B 32.19 7.64 27.88% 39.32% 0.36
U.S. Bancorp 73.5B 11.36 1.36 11.67% 27.00% 1.34
OFG Bancorp 1.9B 9.95 1.42 15.20% 31.43% 0.38
Northwest Bancshares 1.8B 11.13 0.97 8.97% 25.54% 0.29
LendingClub 1.8B 24.06 1.26 5.50% 5.93% 1.59

Financial data is updated regularly. All figures are in the company's reporting currency.