PFBC

Based on Preferred Bank's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Preferred Bank do?

Preferred Bank provides commercial banking services to small and mid-sized businesses, real estate developers, entrepreneurs, and high-net-worth individuals. Its core activities include real estate and commercial lending, trade finance, SBA loans, and specialized services for professionals and Pacific Rim-connected clients. It is headquartered in Los Angeles and operates across the United States.

Does PFBC pay dividends?

Yes, Preferred Bank pays a regular dividend. This is a distinguishing feature among smaller community banks, many of which retain all earnings for growth. Investors seeking income alongside capital appreciation may find this relevant, though dividend sustainability should always be assessed alongside the bank's broader financial health.

When does PFBC report earnings?

Preferred Bank follows a standard quarterly earnings reporting schedule. Specific dates are not covered by our data source. For the most accurate and up-to-date earnings calendar, check Preferred Bank's investor relations page or a financial data provider such as the SEC's EDGAR system.

Is PFBC a good stock to buy?

UQS Score rates PFBC as Good overall. The Quality and Risk pillars are strong points, and Valuation reads as Attractive. However, the Moat and Growth pillars are Weak, which may concern investors seeking rapid expansion. Whether PFBC fits your portfolio depends on your own investment criteria — the full pillar breakdown is available to Pro members.

Is PFBC overvalued?

The UQS Valuation pillar for PFBC is rated Attractive, suggesting the stock is not considered expensive relative to the model's assessment. Community banks can trade at varying multiples depending on credit quality and growth expectations. Pro members can view the complete valuation metrics behind this rating.

How does PFBC compare to its competitors?

Compared to peers like Old Second Bancorp, Community Trust Bancorp, and Peoples Bancorp, Preferred Bank stands out for its Pacific Rim trade finance focus and California urban market concentration. Each competitor operates in different regional markets with distinct loan mix profiles. The UQS comparison tool lets Pro members view side-by-side pillar scores.

What is PFBC's market cap bracket?

Preferred Bank is classified as a small-cap stock. This places it in a segment of the market that can offer growth potential but may also carry lower trading liquidity and less analyst coverage than large-cap bank peers. Small-cap financials can be sensitive to regional economic conditions.

Who founded Preferred Bank?

Preferred Bank was founded in 1999. Detailed founding history, including the names of original founders, is publicly available through the company's official investor relations materials and regulatory filings with the FDIC and SEC.

Is PFBC a long-term quality indicator?

As a long-term quality indicator, PFBC's Strong Quality and Good Risk pillar ratings suggest disciplined lending and operational consistency — traits that tend to matter over multi-year holding periods. The Weak Moat rating, however, means the bank may face ongoing competitive pressure. Pro members can access the full analysis to assess long-term fit.

What is the main competitive advantage of Preferred Bank?

Preferred Bank's niche focus on Pacific Rim trade finance and high-net-worth clients in the Los Angeles market gives it a degree of specialization that generalist community banks lack. However, the UQS Moat pillar rates this advantage as Weak, suggesting it may not provide durable pricing power or significant barriers to competition at a broader level.

Preferred Bank demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.

Preferred Bank faces growth headwinds with declining or stagnant revenue trends.

Preferred Bank maintains a reasonable risk profile with manageable debt levels.

Preferred Bank appears attractively valued relative to its earnings, cash flows, and sector peers.

Preferred Bank operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for PFBC.

The UQS (Unified Quality Score) for Preferred Bank is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Preferred Bank's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Preferred Bank is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.