Preferred Bank PFBC | NASDAQ

Dividends

Company Overview:

Market Cap: $1.23B
Trailing PE: 9.6x
FWD PE *: 9.2x
Payout Ratio (TTM): 21.5%
52-Week Range: $81.50 - $112.26

* Forward PE is based on street estimates.

7.5 Year PFBC Performance Metrics:

Total Return (with DRIP): 175.4% (14.45% CAGR)
Total Return (no DRIP): 154.1% (13.23% CAGR)
Share Price: 119.5% (11.04% CAGR)
Yield on Cost (with DRIP): 8.49%
Total Invested: $10,000
Total Value (with DRIP): $27,542
Total Return $ (with DRIP): $17,542
Dividend Increase: 166.7% (14.48% CAGR)
Dividend Yield (FWD): 3.08% ($3.20)
PFBC 7.5-yr Total Return ($10K invested)
1M 3M 6M YTD 1Y 3Y 5Y 10Y
PFBC Share Price
1M 3M 6M YTD 1Y 3Y 5Y 10Y All
PFBC Price CAGR:1Y: 12.96%2Y: 4.82%5Y: 8.28%10Y: 11.04%
PFBC Dividend Charts
PFBC - Dividends
PFBC Dividend CAGR:1Y: 5.33%2Y: 6.11%5Y: 15.24%10Y: 16.09%
PFBC - Dividend Payout Ratio
PFBC Dividend Payout Ratio CAGR:1Y: 11.05%2Y: 1.45%5Y: 5.76%10Y: 2.99%
PFBC - Dividend to Free Cash Flow Ratio
PFBC Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
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PFBC - Chart 1
PFBC - Chart 2
PFBC - Chart 3

PFBC Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

Revenue
PFBC Revenue CAGR:1Y: 67.52%2Y: -2.78%5Y: 19.97%10Y: 16.34%
Earnings Per Share (EPS)
PFBC EPS CAGR:1Y: -3.87%2Y: 5.34%5Y: 9.18%10Y: 14.74%
Net Income
PFBC Net Income CAGR:1Y: -8.32%2Y: -0.65%5Y: 4.73%10Y: 12.80%
EBITDA
PFBC EBITDA CAGR:1Y: -7.48%2Y: 0.00%5Y: 2.03%10Y: 8.22%
Free Cash Flow
PFBC Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Free Cash Flow / Share
PFBC Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Operating Income
PFBC Operating Income CAGR:1Y: -6.73%2Y: 0.56%5Y: 2.26%10Y: 8.33%
Gross Profit
PFBC Gross Profit CAGR:1Y: -3.93%2Y: 0.38%5Y: 6.62%10Y: 9.68%
Shares Outstanding
PFBC Shares Outstanding CAGR:1Y: -4.40%2Y: -5.57%5Y: -4.09%10Y: -1.46%
Share Buybacks
PFBC Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Stock-Based Comp
PFBC Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Expenses
PFBC Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Revenue vs Net Income
EPS vs FCF / Share
EPS vs PE Ratio
FCF vs FCF / Share
FCF vs Stock Based Comp
Cash & Debt

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

REVENUE: Actual + Estimates
PFBC Actual Revenue CAGR:1Y: 67.52%2Y: -2.78%5Y: 19.97%10Y: 16.34%
EPS: Actual + Estimates
PFBC Actual EPS CAGR:1Y: -3.87%2Y: 5.34%5Y: 9.18%10Y: 14.74%
NET INCOME: Actual + Estimates
PFBC Actual Net Income CAGR:1Y: -8.32%2Y: -0.65%5Y: 4.73%10Y: 12.80%
EBITDA: Actual + Estimates
PFBC Actual EBITDA CAGR:1Y: -7.48%2Y: 0.00%5Y: 2.03%10Y: 8.22%

Ratios, Profit Margins & Return on Capital:

Net Profit Margin
PFBC Net Profit Margin CAGR:1Y: -4.76%2Y: 2.19%5Y: -12.70%10Y: -3.04%
Gross Profit Margin
PFBC Gross Profit Margin CAGR:1Y: -0.16%2Y: 3.24%5Y: -11.13%10Y: -5.73%
Price to Earnings
PFBC Price to Earnings CAGR:1Y: 20.87%2Y: 8.44%5Y: -0.15%10Y: -2.85%
Price To Sales Ratio
PFBC Price To Sales Ratio CAGR:1Y: 15.23%2Y: 10.81%5Y: -12.83%10Y: -5.80%
Return on Capital Employed
PFBC Return on Capital Employed CAGR:1Y: -85.41%2Y: -64.24%5Y: -3.08%10Y: -1.22%
Return on Invested Capital
PFBC Return on Invested Capital CAGR:1Y: -85.65%2Y: -64.65%5Y: -36.67%10Y: -18.28%

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PFBC Dividends Info:

Annual Dividend: $3.2
Forward Yield: 3.08%
Ex-Dividend Date: 2026-10-05
Lifetime Dividends / Share: $36.37

Projected Future Returns & Dividends for PFBC

Based on past 7.5-year performance, here are PFBC growth metrics:

Share price CAGR of +11.05%
Dividend CAGR of +16.09%

Using PFBC CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

PFBC (DRIP)PFBC - No DRIP
Current Price$103.78$103.78
Start Shares96.3696.36
Start Value$10,000$10,000
  
After 10 years:
Final Share Count140.5896.36
Dividends Payment$3.56$3.56
Annual Dividends$2,000$1,371
Yield on cost20.00%13.71%
Share Price$296.05$296.05
Total Dividends$8,234$6,603
Final Value$41,619$35,130

Estimated Future Value + Dividends - PFBC

NOTE: Above numbers are our estimate based on PFBC's Dividend and Price CAGR over past 7.5 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

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

Company Info

Preferred Bank (PFBC) had its IPO on 1999-08-19, and is traded on NASDAQ stock exchange.

Preferred Bank offers a wide array of commercial banking products and services throughout the United States. Its primary clients include small and mid-sized businesses and their owners, entrepreneurs, real estate developers and investors, various professionals, and high-net-worth individuals. The institution provides diverse deposit options, such as checking, savings, and money market accounts. They also feature fixed-rate and fixed-maturity certificates of deposit for both retail and non-retail clients, along with individual retirement accounts. On the lending side, Preferred Bank extends real estate mortgage loans secured by a variety of properties, including retail, industrial, office, special purpose, and residential (single and multi-family) assets. They also finance real estate construction projects and offer commercial loans like working capital lines of credit, term loans for capital expenditures, and both commercial and standby letters of credit, in addition to SBA loans. Furthermore, the bank provides extensive trade finance solutions. These encompass commercial and export letters of credit, import lines of credit, international wire transfers, documentary collections, acceptance/trust receipt financing products, export financing, and bills purchase programs. Specialized high-wealth banking services are available for affluent individuals residing in the Pacific Rim region. The bank also supports modern financial management through remote deposit capture, as well as online and mobile banking platforms. Dedicated banking services are provided to professionals such as physicians, accountants, attorneys, and business managers. Manufacturing, service, and distribution companies can benefit from safe deposit boxes, account reconciliation, courier services, and comprehensive cash management solutions. As of December 31, 2021, Preferred Bank operated eleven full-service branch locations across California, including Alhambra, Century City, City of Industry, Torrance, Arcadia, Irvine, Diamond Bar, Pico Rivera, Tarzana, and San Francisco. An additional branch is situated in Flushing, New York. The bank was established in 1991 and maintains its headquarters in Los Angeles, California.

PFBC website: https://www.preferredbank.com


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DCF Model — PFBC

Value from:
Pay up to today
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vs current price $103.78
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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today
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grows for the next years
Then mature
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every future dollar counted back to today
Pile of today-dollars
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÷ shares
Implied price path
YearFCFImplied price
Sensitivity — fair value: growth ↓ × target return →