Financials Preferred Bank

Equities

PFBC

US7403674044

Banks

Market Closed - Nasdaq 04:00:01 2024-05-31 pm EDT 5-day change 1st Jan Change
74.32 USD -1.63% Intraday chart for Preferred Bank -1.69% +1.74%

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 891.3 751.7 1,054 1,071 1,005 995.3 -
Enterprise Value (EV) 1 891.3 751.7 1,054 1,071 1,005 995.3 995.3
P/E ratio 11.6 x 10.9 x 11.2 x 8.58 x 6.94 x 7.67 x 8.16 x
Yield 2% 2.38% 2.19% 2.47% 3.22% 3.57% 3.65%
Capitalization / Revenue 5.18 x 4.17 x 5.44 x 4.17 x 3.39 x 3.51 x 3.59 x
EV / Revenue 5.18 x 4.17 x 5.44 x 4.17 x 3.39 x 3.51 x 3.59 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.92 x 1.44 x 1.81 x 1.71 x 1.45 x 1.3 x 1.17 x
Nbr of stocks (in thousands) 14,832 14,895 14,677 14,357 13,753 13,393 -
Reference price 2 60.09 50.47 71.79 74.62 73.05 74.32 74.32
Announcement Date 1/22/20 1/25/21 1/19/22 1/18/23 1/24/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 172.1 180.2 193.6 257.2 296.5 283.5 277.1
EBITDA - - - - - - -
EBIT 1 114.9 122.9 132.8 186.5 219.9 201.4 195.5
Operating Margin 66.74% 68.17% 68.6% 72.52% 74.15% 71.05% 70.56%
Earnings before Tax (EBT) 1 111.4 96.86 133.8 179.2 209.9 184.2 169.4
Net income 1 77.7 69.27 95.23 128.8 150 130.8 120.5
Net margin 45.15% 38.44% 49.18% 50.09% 50.61% 46.14% 43.47%
EPS 2 5.160 4.650 6.410 8.700 10.52 9.692 9.106
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 1.200 1.200 1.570 1.840 2.350 2.652 2.712
Announcement Date 1/22/20 1/25/21 1/19/22 1/18/23 1/24/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 50.54 51.38 52.3 59.02 68.98 76.92 76.87 76.51 75.93 71.5 71.56 70.82 71.2 69.78 67.48
EBITDA - - - - - - - - - - - - - - -
EBIT 1 35.17 36.58 36.14 41.88 51.58 56.94 57.97 55.66 56.92 53.63 51.54 50.47 50.57 48.71 46.25
Operating Margin 69.59% 71.19% 69.11% 70.96% 74.77% 74.03% 75.41% 72.75% 74.96% 75% 72.01% 71.26% 71.02% 69.8% 68.54%
Earnings before Tax (EBT) 1 36.67 37.48 36.39 38.98 48.88 54.94 53.25 53.06 53.42 50.13 47.14 46.76 46.17 44.11 40.95
Net income 1 26.14 26.42 26.03 28.07 35.19 39.56 38.07 37.94 38.19 35.84 33.47 33.21 32.8 31.33 29.1
Net margin 51.73% 51.41% 49.76% 47.55% 51.02% 51.43% 49.53% 49.58% 50.3% 50.12% 46.76% 46.89% 46.07% 44.9% 43.12%
EPS 2 1.760 1.800 1.740 1.870 2.400 2.710 2.610 2.610 2.710 2.600 2.440 2.454 2.444 2.354 2.194
Dividend per Share 2 0.3800 0.4300 0.4300 0.4300 0.4300 0.5500 0.5500 0.5500 0.5500 0.7000 0.7000 0.6625 0.6625 0.6650 0.6775
Announcement Date 10/20/21 1/19/22 4/19/22 7/20/22 10/19/22 1/18/23 4/18/23 7/19/23 10/17/23 1/24/24 4/23/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 17.6% 14% 17.2% 21.2% 22.6% 18% 15.5%
ROA (Net income/ Total Assets) 1.82% 1.41% 1.74% 2.08% 2.28% 1.91% 1.69%
Assets 1 4,270 4,913 5,473 6,194 6,581 6,855 7,128
Book Value Per Share 2 31.30 35.00 39.80 43.80 50.50 57.20 63.80
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/22/20 1/25/21 1/19/22 1/18/23 1/24/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
C-
More Ratings
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
5
Last Close Price
74.32 USD
Average target price
87.75 USD
Spread / Average Target
+18.07%
Consensus
  1. Stock Market
  2. Equities
  3. PFBC Stock
  4. Financials Preferred Bank