Preferred Bank (PFBC) Stock Analysis
Financial Services · Banks - Regional · NasdaqGS
Preferred Bank (PFBC) posted $290.34M in revenue for fiscal 2025 (up 1.4% year over year), at a 46.0% net margin, and has compounded revenue about 4.1%/yr over five years, per its SEC filings.
Data last refreshed August 2, 2026 from SEC filings · how we compute this
The analyst's take on Preferred Bank
Preferred Bank has grown revenue from $257.22M to $290.34M over the last 4 fiscal years, compounding about 4.1% a year. The most recent year was up 1.4%, so growth has cooled from its longer-run pace.
Net margin sits at 46%, up 0.3 points year over year.
The one thing worth a second look in the filings is net margin shrinking.
Synthesised from Preferred Bank's SEC filings — descriptive, not advice. Ask the analyst your own question →
Preferred Bank revenue & earnings — last 4 fiscal years
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue | $257.22M | $296.49M | $286.19M | $290.34M |
| Gross profit | — | — | — | — |
| Net income | $128.84M | $150.04M | $130.66M | $133.63M |
| Net margin | 50.1% | 50.6% | 45.7% | 46.0% |
Source: Preferred Bank SEC filings (10-K).
Preferred Bank: 1 potential red flag in the filings
Patterns in the filed statements worth a second look — computed and cited, not AI guesswork, and not a signal to sell. The kind of thing that hides in a 10-K.
- Net margin shrinkingNet margin fell from 50.1% to 46.0% over ~3 years — profitability is compressing.
Explore 4 years of Preferred Bank financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Preferred Bank financial history by metric
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About Preferred Bank
Preferred Bank provides various banking products and services to small and mid-sized businesses, entrepreneurs, real estate developers, professionals, and high net worth individuals. The company accepts checking, savings, and money market deposit accounts; fixed-rate and fixed maturity retail, and non-retail certificates of deposit; and individual retirement accounts. It also provides real estate mortgage loans that are secured by retail, industrial, office, special purpose, and residential single and multi-family properties; real estate construction loans; commercial loans, including lines of credit for working capital, term loans for capital expenditures, and commercial and stand-by letters of credit; and small business administration loans for business purposes, such as owner-occupied commercial real estate, business acquisitions, start-ups, franchise financing, working capital, improvements and renovations, inventory and equipment, and debt-refinancing. In addition, the company offers trade finance services, including commercial and export letters of credit, import lines of credit, documentary collections, international wire transfers, acceptances/trust receipt financing, export financing, and bills purchase programs. Further, it provides cash management services; and internet, mobile, and tablet banking services. The company was incorporated in 1991 and is headquartered in Los Angeles, California.
Preferred Bank — frequently asked questions
What is Preferred Bank's revenue?
Preferred Bank (PFBC) reported revenue of $290.34M for fiscal year 2025, up 1.4% from the prior year, according to its SEC filings.
Is Preferred Bank profitable?
Yes. PFBC earned net income of $133.63M in fiscal 2025, a net margin of 46.0%.
What is PFBC's P/E ratio?
Preferred Bank trades at a price-to-earnings ratio of about 9.4 based on the latest data in our nightly-refreshed cache.
How fast is Preferred Bank growing?
PFBC's revenue grew at roughly 4.1% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Preferred Bank have?
As of fiscal year 2025, PFBC carried roughly $0 in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Preferred Bank's market cap?
Preferred Bank (PFBC) has a market capitalization of about $1.19B, based on the latest data in our nightly-refreshed cache.
When does Preferred Bank's fiscal year end?
PFBC's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
Where does this data come from?
All figures are computed from Preferred Bank's official SEC filings (10-K and 10-Q), covering 4 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.