Preferred Bank (PFBC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Preferred Bank stock (PFBC) is currently trading at $89.44. Preferred Bank PE ratio is 8.41. Preferred Bank PS ratio (Price-to-Sales) is 3.79. Analyst consensus price target for PFBC is $102.00. WallStSmart rates PFBC as Buy.
- PFBC PE ratio analysis and historical PE chart
- PFBC PS ratio (Price-to-Sales) history and trend
- PFBC intrinsic value — DCF, Graham Number, EPV models
- PFBC stock price prediction 2025 2026 2027 2028 2029 2030
- PFBC fair value vs current price
- PFBC insider transactions and insider buying
- Is PFBC undervalued or overvalued?
- Preferred Bank financial analysis — revenue, earnings, cash flow
- PFBC Piotroski F-Score and Altman Z-Score
- PFBC analyst price target and Smart Rating
Preferred Bank
📊 No data available
Try selecting a different time range
PFBC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Preferred Bank (PFBC)
PFBC trades at a significant discount to its Graham intrinsic value of $470.53, offering a 81% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Preferred Bank (PFBC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Preferred Bank (PFBC) Key Strengths (7)
Growing significantly faster than its price suggests
Keeps $72 of every $100 in revenue after operating costs
Keeps $48 of every $100 in revenue as net profit
88.25% of shares held by major funds and institutions
Trading at 1.34x book value, attractively priced
Strong earnings growth at 24.00% per year
Solid profitability: $17 profit per $100 equity
Supporting Valuation Data
Preferred Bank (PFBC) Areas to Watch (3)
Revenue growing slowly at 4.20% annually
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.79x sales
Preferred Bank (PFBC) Detailed Analysis Report
Overall Assessment
This company scores 76/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 7 register as strengths (avg 9.0/10) while 3 fall into concern territory (avg 4.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, Operating Margin, Profit Margin. Valuation metrics including PEG Ratio (0.94), Price/Book (1.34) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 17.20%, Operating Margin at 71.70%, Profit Margin at 47.50%. Growth metrics are encouraging with EPS Growth at 24.00%.
The Bear Case
The primary concerns are Revenue Growth, Market Cap, Price/Sales. Some valuation metrics including Price/Sales (3.79) suggest expensive pricing. Growth concerns include Revenue Growth at 4.20%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 17.20% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 4.20% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Operating Margin makes a compelling case at current levels. The key risk is Revenue Growth, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PFBC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PFBC's Price-to-Sales ratio of 3.79x trades 26% below its historical average of 5.16x (50th percentile). The current valuation is 89% below its historical high of 33.21x set in Dec 2006, and 1417% above its historical low of 0.25x in Nov 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Preferred Bank (PFBC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Preferred Bank is a strong growth company balancing expansion with improving profitability. Revenue reached 281M with 420% growth year-over-year. Profit margins are strong at 47.5%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 420% YoY, reaching 281M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1720.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Preferred Bank maintain 420%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 343.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Preferred Bank.
Bottom Line
Preferred Bank offers an attractive blend of growth (420% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Loading insider activity...
About Preferred Bank(PFBC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Preferred Bank offers a variety of commercial banking products and services to small and medium-sized businesses and their real estate owners, entrepreneurs, developers and investors, professionals, and high-net-worth individuals in the United States. The company is headquartered in Los Angeles, California.