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Los Angeles-based bank serving the Chinese-American business community with commercial real estate and business banking.
Los Angeles-based bank serving the Chinese-American business community with commercial real estate and business banking.
Earns mainly from the spread between interest on loans, which are largely secured by commercial property or made to businesses, and the cost of its deposits, with fees a small part of income. It runs a small number of branches in California, New York and Texas rather than a wide retail network.
Moat: narrow (brand, distribution). Deep relationships within the Los Angeles Chinese-American business community.
Headquarters: Los Angeles, California, US · Founded: 1991 · Employees: 324
Size Preferred Bank (PFBC) is a United States Financials company (Regional Banks) with a market value of $1.22B, the 2130th largest of 3,117 United States companies the cockpit tracks. Shares closed at $102.89 on 6 Nov 2026.
Performance Over six months the shares gained 8.3%, against +7.4% for the median peer and -1.1% for the United States market (cap-weighted) — 11th highest of 21 in its peer set.
Growth Revenue fell 0.1% over the last twelve months (peer median +12.1%); the operating margin is 65.8% (peer median 36.0%).
Valuation It trades at 1.54× book value against a peer median of 1.18× (6th most expensive of 21).
Price implies The share price implies a return on equity of about 10.3%; Preferred Bank delivers 16.9%, so the price asks less than the business earns today.
Short interest Short interest is 11.8% of the free float (15 Oct 2026).
Next results Next results expected around 27 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $501M | $499M | $520M | $482M | $301M |
| Revenue growth | — | -4% | +8% | +60% | — |
| Net income | $132M | $134M | $131M | $150M | $129M |
| Free cash flow | n/a | $164M | $164M | $173M | $143M |
| Capital expenditure | n/a | $1.35M | $919,000 | $2.42M | $15.7M |
| Total debt | $381M | $384M | $165M | $168M | $169M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Preferred Bank PFBC | $1.22B | +8% | 0% | 17% | 1.54× | 10.3% |
| Cathay General Bancorp CATY | $4.24B | +12% | +3% | 12% | 1.39× | 11.8% |
| MetroCity Bankshares MCBS | $1.04B | +10% | +25% | 17% | 1.78× | 12.2% |
| East West Bancorp EWBC | $17.7B | +5% | +3% | 17% | 1.95× | 16.3% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | PFBC | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +0.2% | -2.1% | 9th highest of 21 |
| 6-month return | +8.3% | +7.4% | 11th highest of 21 |
| Return on equity | 16.9% | 11.3% | 2nd highest of 21 |
| Price / book | 1.54× | 1.18× | 6th most expensive of 21 |
| Trailing P/E | 9.5× | 11.5× | 5th cheapest of 21 |
| ROE the price implies | 10.3% | 9.4% | 8th most demanding of 21 |
| ROE delivered | 16.9% | 11.3% | 2nd highest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Preferred Bank PFBC | United States | $1.22B | +8% | 0% | 17% | 1.54× | 10.3% | 16.9% |
| SJF Bank A/S SJF.CO | Denmark | $1.22B | +60% | -2% | 12% | 1.71× | 6.1% | 12.0% |
| Ujjivan Small Finance Bank UJJIVANSFB.NS | India | $1.23B | -5% | +21% | 17% | 1.53× | 23.8% | 16.6% |
| Community Trust Bancorp CTBI | United States | $1.26B | +4% | +8% | 13% | 1.43× | 9.8% | 12.9% |
| Oita Bank 8392.T | Japan | $1.18B | +13% | +25% | 5% | 0.69× | 6.2% | 4.7% |
| Metropolitan Bank MCB | United States | $1.17B | +5% | +12% | 13% | 1.20× | 11.3% | 13.1% |
| Karnataka Bank KTKBANK.NS | India | $1.28B | +20% | +3% | 12% | 0.87× | 12.6% | 11.7% |
| Miyazaki Bank 8393.T | Japan | $1.16B | +8% | +8% | 7% | 0.77× | 6.2% | 7.0% |
| Heritage Financial HFWA | United States | $1.15B | +3% | +22% | 8% | 1.06× | 7.8% | 7.8% |
| Zhongyuan Bank 1216.HK | Hong Kong | $1.31B | -15% | 0% | 4% | 0.10× | 3.3% | 3.6% |
| TOMONY 8600.T | Japan | $1.13B | +6% | +12% | 6% | 0.60× | 4.5% | 5.9% |
| First Bank of Toyama 7184.T | Japan | $1.12B | +10% | +14% | 10% | 0.90× | 7.9% | 10.2% |
| HBT Financial HBT | United States | $1.35B | +30% | +23% | 13% | 1.78× | 10.1% | 13.2% |
| First Mid Bancshares FMBH | United States | $1.35B | +15% | +15% | 11% | 1.23× | 10.1% | 10.9% |
| Univest Financial UVSP | United States | $1.10B | +4% | +2% | 10% | 1.16× | 9.1% | 10.0% |
| Five Star Bancorp FSBC | United States | $1.08B | +6% | +18% | 15% | 1.75× | 10.4% | 14.8% |
| Northeast Bank NBN | United States | $1.08B | +1% | +9% | 20% | 1.72× | 11.8% | 20.0% |
| Westamerica Bancorporation WABC | United States | $1.38B | +9% | -4% | 13% | 1.75× | 11.3% | 12.9% |
| San ju San Financial 7322.T | Japan | $1.08B | +1% | +23% | 5% | 0.72× | 6.9% | 5.4% |
| Tamilnad Mercantile Bank TMB.NS | India | $1.39B | +11% | +18% | 16% | 1.22× | 14.6% | 15.6% |
| Peoples Bancorp PEBO | United States | $1.39B | +12% | 0% | 10% | 1.13× | 8.5% | 10.0% |