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Upturn AI SWOT - About
PFBC 
Preferred Bank (PFBC)
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Upturn Advisory Summary
08/28/2025: PFBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $107
1 Year Target Price $107
| 1 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 2.53% | Avg. Invested days 35 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.18B USD | Price to earnings Ratio 10.01 | 1Y Target Price 107 |
Price to earnings Ratio 10.01 | 1Y Target Price 107 | ||
Volume (30-day avg) 5 | Beta 0.76 | 52 Weeks Range 71.31 - 99.44 | Updated Date 08/29/2025 |
52 Weeks Range 71.31 - 99.44 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 3.10% | Basic EPS (TTM) 9.51 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 47.2% | Operating Margin (TTM) 69.63% |
Management Effectiveness
Return on Assets (TTM) 1.79% | Return on Equity (TTM) 17.2% |
Valuation
Trailing PE 10.01 | Forward PE 8.32 | Enterprise Value 753017472 | Price to Sales(TTM) 4.39 |
Enterprise Value 753017472 | Price to Sales(TTM) 4.39 | ||
Enterprise Value to Revenue 5.53 | Enterprise Value to EBITDA - | Shares Outstanding 12376100 | Shares Floating 11488778 |
Shares Outstanding 12376100 | Shares Floating 11488778 | ||
Percent Insiders 8.48 | Percent Institutions 90.54 |
Upturn AI SWOT
Preferred Bank
Company Overview
History and Background
Preferred Bank was founded in 1991 in Los Angeles, California, focusing on serving the Chinese-American community and small to medium-sized businesses. It has grown organically and through strategic acquisitions, expanding its reach and product offerings.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate loans, lines of credit, and term loans.
- Retail Banking: Offers personal banking services such as checking accounts, savings accounts, and residential mortgage loans.
- International Banking: Facilitates international trade finance and cross-border transactions for businesses.
- Small Business Administration (SBA) Lending: Provides SBA loans to small businesses, supporting their growth and development.
Leadership and Structure
Preferred Bank is led by a board of directors and a senior management team. The organizational structure includes departments for lending, retail banking, finance, operations, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial real estate loans are a significant part of Preferred Bank's lending portfolio. While exact market share is difficult to determine precisely, Preferred Bank competes with larger national and regional banks in this space, such as Bank of America (BAC) and Wells Fargo (WFC).
- Competitors: BAC,WFC,PNC
- Competitors: LOB,SNNI,WSBC
- SBA Loans: Preferred Bank is an active SBA lender, providing financing to small businesses. Market share data specific to Preferred Bank is limited, but they compete with other community banks and larger institutions that offer SBA loans. Competitors include: Live Oak Bancshares (LOB)
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and technological disruption. Banks face pressure to innovate and adapt to changing customer preferences and digital banking trends.
Positioning
Preferred Bank positions itself as a relationship-focused bank, particularly serving the Asian-American community and small to medium-sized businesses. Its competitive advantage lies in its local market expertise and personalized service.
Total Addressable Market (TAM)
The TAM for commercial banking in the US is estimated to be in the trillions of dollars. Preferred Bank, with its regional focus, captures a small but growing share of this large market. It is positioning itself to gain further market share within the Asian-American business community and beyond.
Upturn SWOT Analysis
Strengths
- Strong presence in the Asian-American community
- Experienced management team
- Solid asset quality
- Relationship-focused banking approach
Weaknesses
- Limited geographic diversification
- Higher cost of deposits relative to larger banks
- Dependence on commercial real estate lending
Opportunities
- Expansion into new markets
- Increased adoption of digital banking solutions
- Growth in SBA lending
- Strategic acquisitions
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- CWB
- BOH
- TCBI
Competitive Landscape
Preferred Bank competes with a mix of larger national and regional banks, as well as other community banks. Its advantages include its niche focus, personalized service, and strong local market knowledge. Disadvantages include limited scale and geographic reach compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historically, Preferred Bank has experienced steady growth driven by its focus on commercial lending and its strong presence in the Asian-American community. Growth has been consistent with market and economic conditions.
Future Projections: Future projections depend on analyst estimates and would be influenced by factors such as interest rate environment, economic growth, and strategic initiatives. Analyst forecasts would need to be consulted for this data.
Recent Initiatives: Recent initiatives include investment in digital banking platforms and expansion of its SBA lending program. They may also have M&A activity (mergers and acquisitions).
Summary
Preferred Bank is a well-managed regional bank with a strong presence in the Asian-American community. Its focus on commercial lending and SBA loans has fueled growth. Challenges include competition from larger banks and managing interest rate risk. Continued investment in technology and expansion into new markets could drive future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (where available)
- Industry Research
Disclaimers:
This analysis is based on publicly available information and is intended for informational purposes only. It should not be considered financial advice. Market share data is approximate and may vary depending on the source and definition.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Preferred Bank
Exchange NASDAQ | Headquaters Los Angeles, CA, United States | ||
IPO Launch date 1998-04-07 | Chairman, CEO & Corporate Secretary Mr. Li Yu | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 323 | Website https://www.preferredbank.com |
Full time employees 323 | Website https://www.preferredbank.com | ||
Preferred Bank provides various banking products and services to small and mid-sized businesses, entrepreneurs, real estate developers, professionals, and high net worth individuals. The company accepts checking, savings, and money market deposit accounts; fixed-rate and fixed maturity retail, and non-retail certificates of deposit; and individual retirement accounts. It also provides real estate mortgage loans that are secured by retail, industrial, office, special purpose, and residential single and multi-family properties; real estate construction loans; commercial loans, including lines of credit for working capital, term loans for capital expenditures, and commercial and stand-by letters of credit; and small business administration loans for business purposes, such as owner-occupied commercial real estate, business acquisitions, start-ups, franchise financing, working capital, improvements and renovations, inventory and equipment, and debt-refinancing. In addition, the company offers trade finance services, including commercial and export letters of credit, import lines of credit, documentary collections, international wire transfers, acceptances/trust receipt financing products, export financing, and bills purchase programs. Further, it provides cash management services; and internet, mobile, and tablet banking services. The company was incorporated in 1991 and is headquartered in Los Angeles, California.
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