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Upturn AI SWOT - About
PFBC 
Preferred Bank (PFBC)
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Upturn Advisory Summary
09/16/2025: 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 -0.76% | Avg. Invested days 37 | 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 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.16B USD | Price to earnings Ratio 9.85 | 1Y Target Price 107 |
Price to earnings Ratio 9.85 | 1Y Target Price 107 | ||
Volume (30-day avg) 5 | Beta 0.79 | 52 Weeks Range 71.31 - 99.44 | Updated Date 09/16/2025 |
52 Weeks Range 71.31 - 99.44 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 3.15% | Basic EPS (TTM) 9.46 |
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 9.85 | Forward PE 8.32 | Enterprise Value 729007744 | Price to Sales(TTM) 4.33 |
Enterprise Value 729007744 | Price to Sales(TTM) 4.33 | ||
Enterprise Value to Revenue 5.47 | Enterprise Value to EBITDA - | Shares Outstanding 12376100 | Shares Floating 10859080 |
Shares Outstanding 12376100 | Shares Floating 10859080 | ||
Percent Insiders 8.27 | Percent Institutions 90.2 |
Upturn AI SWOT
Preferred Bank
Company Overview
History and Background
Preferred Bank was founded in 1991 and is headquartered in Los Angeles, California. It focuses on serving the needs of businesses and individuals, particularly in the Chinese-American community.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking products and services to businesses, including loans, deposit accounts, and treasury management services.
- Real Estate Lending: Offers commercial real estate loans for various property types, including office buildings, retail centers, and industrial properties.
- Small Business Lending: Provides financing options for small businesses, including term loans, lines of credit, and SBA loans.
- Retail Banking: Offers a range of retail banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
Leadership and Structure
Raymond E. Yu serves as Chairman, President, and CEO. The bank operates with a typical corporate structure, including a board of directors and executive management team overseeing various departments and business units.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a primary offering, catering to businesses of various sizes. Market share data is not readily available, but Preferred Bank competes with other regional and national banks for this product. Competitors include East West Bancorp and Cathay General Bancorp.
- Commercial Real Estate Loans: Commercial Real Estate Loans focus on key markets of California, Texas, and New York and are a significant contributor to the bank's loan portfolio. Market share data is not publicly available for this specific product at the regional level. Competitors include other regional banks and specialized real estate lenders.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and economic conditions. Factors such as interest rates, loan demand, and regulatory compliance play a significant role in the industry's performance.
Positioning
Preferred Bank positions itself as a relationship-focused bank, emphasizing personalized service and expertise in serving specific communities and industries. This niche focus can provide a competitive advantage.
Total Addressable Market (TAM)
The TAM for commercial banking in the US is estimated to be in the hundreds of billions of dollars. Preferred Bank's TAM is focused within the California, New York, and Texas markets. It is positioned to capture a growing share of these diverse and dynamic markets.
Upturn SWOT Analysis
Strengths
- Strong presence in key markets (California, New York, Texas)
- Experienced management team
- Focus on relationship banking
- Solid financial performance
Weaknesses
- Concentration risk in real estate lending
- Limited geographic diversification
- Smaller scale compared to larger national banks
- Sensitivity to interest rate fluctuations
Opportunities
- Expanding into new geographic markets
- Growing market share in existing markets
- Developing new products and services
- Leveraging technology to improve efficiency
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan demand and credit quality
- Regulatory changes increasing compliance costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- EWBC
- CATY
- BOKF
Competitive Landscape
Preferred Bank competes with larger national banks, regional banks, and smaller community banks. Its strengths lie in its relationship-focused approach and expertise in serving specific communities. However, it faces challenges from larger banks with greater resources and broader product offerings.
Growth Trajectory and Initiatives
Historical Growth: Preferred Bank has demonstrated steady growth in recent years, driven by loan growth and expansion in key markets.
Future Projections: Future growth projections would require analyst estimates. Growth is expected to continue at a moderate pace, driven by expansion in existing markets and potential entry into new markets.
Recent Initiatives: Recent strategic initiatives may include investments in technology, expansion of product offerings, or entry into new geographic markets.
Summary
Preferred Bank is a well-managed regional bank with a strong presence in key markets. Its focus on relationship banking and expertise in serving specific communities provide a competitive advantage. However, the bank faces challenges from increased competition and economic uncertainty. Preferred Bank needs to leverage technology to improve efficiency, but has a solid management team to execute on this and maintain financial performance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports (where available)
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice. Market share data are estimates and may not be precise. Financial data is representative.
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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