Preferred Bank Common Stock (PFBC)

FairStock Score: 67/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the close on 2026-10-13, Preferred Bank traded at $102.56 with a $1.2B market capitalization. FairStock calculates a 9.57 P/E, 1.53 P/B, 17.58% ROE, 3.12% dividend yield, 0.56 beta, a 5/9 Piotroski F-Score, and a 2.57 PEG. The latest quarter shown, fiscal 2026-Q1, had revenue of $69.6M and net income of $31.1M, a 44.73% margin. The supplied growth rates are 4.45% for revenue and 3.73% for profit, though the comparison periods are not stated. This is a relationship bank for small and mid-sized businesses, entrepreneurs, real estate developers, professionals, and high-net-worth individuals. That niche can create a modest moat, but not a wide one. The 17.58% ROE and 44.73% quarterly margin are impressive if durable; 1.53x book and 9.57x earnings are not demanding. Still, a bank's risk is credit. CET1, net interest margin, efficiency ratio, nonperforming loans, reserves, loan concentrations, and combined ratio are not in the data. D/E is N/A, and FairStock's 67/100 score with a 5/9 Piotroski suggests average quality. Growth is low single digit, and PEG 2.57 says the price is not cheap relative to growth. I would call it fair, not a bargain, until underwriting quality is proven.

In plain English: Preferred Bank is a small regional bank that serves businesses, professionals, real estate developers and wealthy individuals. It looks reasonably profitable, has grown only modestly, and pays a meaningful dividend. At the recent price, the stock looks roughly fair versus its profits and net assets, not an obvious bargain, and banking credit risk is the main thing to watch.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer