PFBC vs JCAP: Earnings, Dividends & Valuation

Preferred Bank PFBC | NASDAQ

$103.78 $0.00 | 0.00%

Dividend Safety RatingUnlock

Market Cap: $1.23 B

PE Ratio: 9.58

52-Week Range: $81.5 - $112.26

1.4-year Total Return: +24.2%

Dividend Yield (FWD): 3.08%

Jefferson Capital, Inc. Common Stock JCAP | NASDAQ

$20.88 $0.00 | 0.00%

Dividend Safety RatingUnlock

Market Cap: $1.20 B

PE Ratio: 7.79

52-Week Range: $15.5 - $24.44

1.4-year Total Return: +18.4%

Dividend Yield (FWD): 4.60%

1.4-year Total Returns with DRIP & Price Chart for PFBC and JCAP

1Y 2Y 5Y 10Y All

1.4-yr Total Returns PFBC vs JCAP

	PFBC	JCAP
Initial Balance	$10,000	$10,000
Initial Price	$87.67	$18.54
Initial Shares	114.06	539.37

Total Dividends	$547	$528
Last Dividend	$0.8	$0.24
Estimated Divs	$96 / quarter	$136 / quarter
Yield-on-Cost	3.65%	5.18%
End Shares	119.71 (+5.65)	566.98 (+27.61)
Last Shares Price	$103.78	$20.88
Total End Value	$12,423	$11,839
Total Return	+24.2%	+18.4%
Comparison start date: Jun 26, 2025

PFBC & JCAP Dividend Charts

Dividend Payments & Yield - PFBC

PFBC Dividend CAGR:1Y: 5.33%2Y: 6.11%5Y: 15.24%10Y: 16.09%

Dividend Payments & Yield - JCAP

JCAP Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Dividend Payout Ratio - PFBC

Dividend Payout Ratio - JCAP

Dividend to Free Cash Flow (FCF) Ratio - PFBC

Dividend to Free Cash Flow (FCF) Ratio - JCAP

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Fundamentals: Revenue, Earnings, Cash Flow, EBITDA & Shares Outstanding:

PFBC - Revenue

PFBC Revenue CAGR:1Y: 67.52%2Y: -2.78%5Y: 19.97%10Y: 16.34%

JCAP - Revenue

JCAP Revenue CAGR:1Y: 22.99%2Y: 29.51%5Y: 104.27%10Y: N/A

PFBC - Earnings Per Share (EPS)

PFBC EPS CAGR:1Y: -3.87%2Y: 5.34%5Y: 9.18%10Y: 14.74%

JCAP - Earnings Per Share (EPS)

JCAP EPS CAGR:1Y: 38.98%2Y: 14.09%5Y: 17.25%10Y: N/A

PFBC - Net Income

PFBC Net Income CAGR:1Y: -8.32%2Y: -0.65%5Y: 4.73%10Y: 12.80%

JCAP - Net Income

JCAP Net Income CAGR:1Y: 22.15%2Y: 12.72%5Y: 54.32%10Y: N/A

PFBC - EBITDA

PFBC EBITDA CAGR:1Y: -7.48%2Y: 0.00%5Y: 2.03%10Y: 8.22%

JCAP - EBITDA

JCAP EBITDA CAGR:1Y: 22.92%2Y: 48.61%5Y: 69.71%10Y: N/A

PFBC - Free Cash Flow

PFBC Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

JCAP - Free Cash Flow

JCAP Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: N/A

PFBC - Free Cash Flow / Share

PFBC Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

JCAP - Free Cash Flow / Share

JCAP Free Cash Flow / Share CAGR:1Y: -14.18%2Y: 166.82%5Y: 0.00%10Y: N/A

PFBC - Shares Outstanding

PFBC Shares Outstanding CAGR:1Y: -4.40%2Y: -5.57%5Y: -4.09%10Y: -1.46%

JCAP - Shares Outstanding

JCAP Shares Outstanding CAGR:1Y: -1.43%2Y: -0.70%5Y: 31.60%10Y: N/A

PFBC - Stock-Based Comp

PFBC Stock-Based Comp CAGR:1Y: -100.00%2Y: -100.00%5Y: -100.00%10Y: -100.00%

JCAP - Stock-Based Comp

JCAP Stock-Based Comp CAGR:1Y: -100.00%2Y: N/A5Y: -100.00%10Y: N/A

PFBC - Expenses

PFBC Expenses CAGR:1Y: 13.15%2Y: 8.86%5Y: 7.00%10Y: 9.07%

JCAP - Expenses

JCAP Expenses CAGR:1Y: -87.47%2Y: -55.10%5Y: -48.78%10Y: N/A

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

PFBC - REVENUE: Actual + Estimates

PFBC Actual Revenue CAGR:1Y: 67.52%2Y: -2.78%5Y: 19.97%10Y: 16.34%

JCAP - REVENUE: Actual + Estimates

JCAP Actual Revenue CAGR:1Y: 22.99%2Y: 29.51%5Y: 104.27%10Y: N/A

PFBC - EPS: Actual + Estimates

PFBC Actual EPS CAGR:1Y: -3.87%2Y: 5.34%5Y: 9.18%10Y: 14.74%

JCAP - EPS: Actual + Estimates

JCAP Actual EPS CAGR:1Y: 38.98%2Y: 14.09%5Y: 17.25%10Y: N/A

PFBC - NET INCOME: Actual + Estimates

PFBC Actual Net Income CAGR:1Y: -8.32%2Y: -0.65%5Y: 4.73%10Y: 12.80%

JCAP - NET INCOME: Actual + Estimates

JCAP Actual Net Income CAGR:1Y: 22.15%2Y: 12.72%5Y: 54.32%10Y: N/A

PFBC - EBITDA: Actual + Estimates

PFBC Actual EBITDA CAGR:1Y: -7.48%2Y: 0.00%5Y: 2.03%10Y: 8.22%

JCAP - EBITDA: Actual + Estimates

JCAP Actual EBITDA CAGR:1Y: 22.92%2Y: 48.61%5Y: 69.71%10Y: N/A

Ratios, Profit Margins & Return on Capital:

PFBC - Net Profit Margin

PFBC Net Profit Margin CAGR:1Y: -4.76%2Y: 2.19%5Y: -12.70%10Y: -3.04%

JCAP - Net Profit Margin

JCAP Net Profit Margin CAGR:1Y: -0.67%2Y: -12.96%5Y: -24.45%10Y: N/A

PFBC - Gross Profit Margin

PFBC Gross Profit Margin CAGR:1Y: -0.16%2Y: 3.24%5Y: -11.13%10Y: -5.73%

JCAP - Gross Profit Margin

JCAP Gross Profit Margin CAGR:1Y: 33.14%2Y: 11.20%5Y: -1.15%10Y: N/A

PFBC - Price to Earnings

JCAP - Price to Earnings

PFBC - Price To Sales Ratio

JCAP - Price To Sales Ratio

PFBC - Return on Capital Employed

JCAP - Return on Capital Employed

PFBC - Return on Invested Capital

JCAP - Return on Invested Capital

Combined Charts: Earnings, Cash Flow, Valuation, Cash & Debt:

PFBC - EPS vs PE Ratio

JCAP - EPS vs PE Ratio

PFBC - FCF vs FCF/Share

JCAP - FCF vs FCF/Share

PFBC - EPS vs FCF per Share

JCAP - EPS vs FCF per Share

PFBC - FCF vs Stock Based Comp

JCAP - FCF vs Stock Based Comp

PFBC - Revenue vs Net Income

JCAP - Revenue vs Net Income

PFBC - Cash & Debt

JCAP - Cash & Debt

Dividend History Tables

PFBC Dividends Info:

Estimated Annual Dividend: $3.2

Forward Yield: 3.08%

Ex-Dividend Date: 2026-10-05

Lifetime Dividends / Share: $36.37

PFBC Dividend History: Dates, Payments & Yield list

Below is a schedule of all PFBC dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
10/05/2026	10/07/2026	$0.800	3.04%	3.11%	$103.03
07/07/2026	07/09/2026	$0.800	3.04%	3.05%	$104.96
04/07/2026	04/09/2026	$0.800	3.5%	3.38%	$94.70
01/06/2026	01/08/2026	$0.800	3.36%	3.27%	$98.00
10/07/2025	10/09/2025	$0.750	3.32%	3.36%	$89.34
07/08/2025	07/10/2025	$0.750	3.27%	3.24%	$92.48
04/07/2025	04/09/2025	$0.750	3.98%	3.78%	$79.39
01/09/2025	01/23/2025	$0.750	3.5%	3.49%	$85.95
01/10/2025	01/13/2025	$0.750	3.68%	3.66%	$82.02
10/07/2024	10/09/2024	$0.700	3.51%	3.48%	$80.38
07/05/2024	07/08/2024	$0.700	3.84%	3.82%	$73.31
04/04/2024	04/08/2024	$0.700	3.76%	3.74%	$74.87
01/05/2024	01/08/2024	$0.700	3.92%	3.9%	$71.85
10/05/2023	10/09/2023	$0.550	3.5%	3.49%	$63.07
07/06/2023	07/10/2023	$0.550	3.98%	3.81%	$57.80
04/05/2023	04/07/2023	$0.550	4.2%	4.3%	$51.15
01/05/2023	01/09/2023	$0.550	3.09%	3.06%	$71.84
10/06/2022	10/21/2022	$0.430	2.56%	2.37%	$72.43
07/06/2022	07/21/2022	$0.430	2.48%	2.38%	$72.36
04/06/2022	04/21/2022	$0.430	2.42%	2.39%	$72.04
01/06/2022	01/21/2022	$0.430	2.2%	2.24%	$76.63
10/06/2021	10/21/2021	$0.380	2.22%	2.21%	$68.78
07/06/2021	07/21/2021	$0.380	2.49%	2.54%	$59.82
04/06/2021	04/21/2021	$0.380	2.32%	2.33%	$65.36
01/06/2021	01/21/2021	$0.300	2.3%	2.4%	$49.95
10/06/2020	10/21/2020	$0.300	3.58%	3.49%	$34.40
07/06/2020	07/21/2020	$0.300	2.97%	2.85%	$42.05
04/06/2020	04/21/2020	$0.300	3.72%	3.72%	$32.27
01/06/2020	01/21/2020	$0.300	2.02%	2%	$59.91
10/04/2019	10/21/2019	$0.300	2.27%	2.27%	$52.87
07/05/2019	07/22/2019	$0.300	2.51%	2.32%	$51.71
04/05/2019	04/22/2019	$0.300	0%	2.54%	$47.28
01/07/2019	01/22/2019	$0.300	0%	2.54%	$47.28
10/04/2018	10/19/2018	$0.250	0%	2.12%	$47.28
07/05/2018	07/20/2018	$0.250	0%	2.12%	$47.28
04/06/2018	04/23/2018	$0.220	0%	1.86%	$47.28
01/05/2018	01/22/2018	$0.220	0%	1.86%	$47.28
10/05/2017	10/20/2017	$0.200	0%	1.69%	$47.28
07/05/2017	07/21/2017	$0.200	0%	1.69%	$47.28
04/05/2017	04/21/2017	$0.180	0%	1.52%	$47.28
01/04/2017	01/20/2017	$0.180	0%	1.52%	$47.28
10/05/2016	10/21/2016	$0.150	0%	1.27%	$47.28
07/05/2016	07/21/2016	$0.150	0%	1.27%	$47.28
04/05/2016	04/21/2016	$0.150	0%	1.27%	$47.28
01/05/2016	01/21/2016	$0.150	0%	1.27%	$47.28
10/02/2015	10/20/2015	$0.120	0%	1.02%	$47.28
07/02/2015	07/21/2015	$0.120	0%	1.02%	$47.28
04/02/2015	04/21/2015	$0.120	0%	1.02%	$47.28
01/02/2015	01/20/2015	$0.100	0%	0.85%	$47.28
10/02/2014	10/20/2014	$0.100	0%	0.21%	$47.28
02/10/2009	02/26/2009	$0.400	0%	3.38%	$47.28
11/06/2008	11/25/2008	$0.500	0%	4.23%	$47.28
08/01/2008	08/19/2008	$0.500	0%	4.23%	$47.28
05/02/2008	05/20/2008	$0.500	0%	4.23%	$47.28
02/01/2008	02/19/2008	$0.850	0%	7.19%	$47.28
11/02/2007	11/20/2007	$0.850	0%	7.19%	$47.28
08/03/2007	08/21/2007	$0.850	0%	7.19%	$47.28
05/04/2007	05/22/2007	$0.850	0%	7.19%	$47.28
02/16/2007	03/07/2007	$0.567	0%	4.79%	$47.28
11/03/2006	11/21/2006	$0.667	0%	5.64%	$47.28
08/03/2006	08/21/2006	$0.667	0%	5.64%	$47.28
05/04/2006	05/22/2006	$0.667	0%	5.64%	$47.28
02/08/2006	02/24/2006	$0.667	0%	5.64%	$47.28
10/31/2005	11/16/2005	$0.567	0%	4.79%	$47.28
07/28/2005	08/15/2005	$0.567	0%	1.2%	$47.28
04/25/2005	05/10/2005	$0.500	0%	1.06%	$47.28
01/28/2005	02/02/2005	$0.500	0%	1.06%	$47.28
04/28/2004	05/03/2004	$2.000	0%	4.23%	$47.28
04/29/2003	05/01/2003	$0.800	0%	1.69%	$47.28
04/26/2002	05/01/2002	$1.267	0%	2.68%	$47.28
05/23/2001	05/25/2001	$1.267	0%	2.68%	$47.28

JCAP Dividends Info:

Estimated Annual Dividend: $0.96

Forward Yield: 4.6%

Ex-Dividend Date: 2026-08-24

Lifetime Dividends / Share: $1.20

JCAP Dividend History: Dates, Payments & Yield list

Below is a schedule of all JCAP dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
08/24/2026	08/26/2026	$0.240	4.34%	4.52%	$21.22
05/26/2026	05/28/2026	$0.240	5.55%	5.6%	$17.15
03/24/2026	03/26/2026	$0.240	4.97%	5.02%	$19.14
11/25/2025	11/27/2025	$0.240	4.55%	4.59%	$20.91
08/25/2025	08/27/2025	$0.240	4.93%	4.96%	$19.37

Projected Future Values & Dividends for PFBC & JCAP

Based on past 1.4 years performance, PFBC had share price CAGR of +11.06%, and dividend CAGR of +16.09%.

During same period JCAP had share price CAGR of +8.96%, and dividend CAGR of +0.00%.

Using these CAGR metrics, we can estimate that your initial $10,000 investment from 1.4 years ago, with dividends being reinvested (DRIP), is modelled to grow and collect dividends as follows:

Projected over 3 years — based on JCAP's 1.0 years of history, the shorter of the two.

Projection uses PFBC applied at 10.00% price / 10.00% dividend; JCAP applied at 0.00% price / 0.00% dividend.

	PFBC	JCAP
Start Value	$10,000	$10,000
Start Share Price	$103.78	$20.88
Start Shares	96.36	478.93

After 3 years:	PFBC	JCAP
Final Share Count	105.66	549.33
Dividends Payment	$1.06	$0.24
Annual Dividends	$450	$527
Share Price	$138.13	$20.88
Total Dividends	$1,067	$1,470
Final Value	$14,595	$11,470

Estimated Future Returns - PFBC

Estimated Future Returns - JCAP

Estimate Dividend Snowball and total future returns for PFBC and JCAP with our dividend (DRIP) calculator.

Above numbers are merely projections based on Dividend and Price CAGR for each stock, and should only be considered as 'potential future returns'! These numbers assume DRIP (reinvesting dividends).

We cannot guarantee that your actual returns will meet these metrics.

Compare Stocks: PFBC vs JCAP