NASDAQ · Financial Statements

Preferred Bank (PFBC) Financial Statements

$106.76 NASDAQ: PFBC Market Cap $1.26B

Preferred Bank most recently reported annual revenue of $499.0M, net profit of $134.0M. Revenue grew at an average annual rate of 17.8% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Preferred Bank: Revenue rose from $128.0M in 2016 to $499.0M in 2025, a change of +289.8% over 9 years; net profit was positive in all 10 reported years; operating margin moved from 46.8% to 38.0%, a shift of -8.8 percentage points; the most recent year shows net profit of $134.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$128.0M$163.0M$204.0M$233.0M$220.0M$219.0M$301.0M$482.0M$520.0M$499.0M
Operating Expenses$68.0M$82.0M$105.0M$122.0M$123.0M$85.0M$122.0M$271.0M$336.0M$309.0M
Operating Profit$60.0M$80.0M$99.0M$111.0M$97.0M$134.0M$179.0M$211.0M$184.0M$190.0M
Operating Margin46.8%49.4%48.4%47.8%44.0%61.2%59.5%43.7%35.4%38.0%
Other Income$0$0$0$0$0$0$0$-1.0M$0$0
Interest$19.0M$28.0M$41.0M$62.0M$40.0M$25.0M$47.0M$189.0M$236.0M$216.0M
Depreciation$1.0M$1.0M$1.0M$1.0M$2.0M$2.0M$2.0M$2.0M$2.0M$2.0M
Profit Before Tax$60.0M$80.0M$99.0M$111.0M$97.0M$134.0M$179.0M$210.0M$184.0M$190.0M
Tax$39.1M$46.1M$28.1M$29.6M$28.3M$28.8M$28.1M$28.5M$29.0M$29.5M
Net Profit$36.0M$43.0M$71.0M$78.0M$69.0M$95.0M$129.0M$150.0M$131.0M$134.0M
EPS$2.56$2.96$4.64$5.16$4.65$6.41$8.70$10.52$9.65$10.41
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricJun '23Sep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26
Revenue$122.0M$129.0M$124.0M$130.0M$131.0M$133.0M$127.0M$119.0M$124.0M$131.0M$129.0M$121.0M
Operating Expenses$68.0M$75.0M$74.0M$82.0M$83.0M$86.0M$85.0M$76.0M$78.0M$80.0M$80.0M$76.0M
Operating Profit$53.0M$53.0M$50.0M$47.0M$47.0M$47.0M$43.0M$43.0M$47.0M$51.0M$49.0M$45.0M
Operating Margin43.7%41.6%40.5%36.4%36.2%35.4%33.5%35.9%37.5%39.1%38.2%36.9%
Interest$45.0M$53.0M$56.0M$58.0M$61.0M$61.0M$57.0M$52.0M$54.0M$56.0M$55.0M$52.0M
Profit Before Tax$53.0M$53.0M$50.0M$47.0M$47.0M$47.0M$43.0M$43.0M$47.0M$51.0M$49.0M$45.0M
Tax$28.5M$28.5M$28.5M$29.0M$29.0M$29.0M$29.0M$29.5M$29.5M$29.5M$29.5M$30.1M
Net Profit$38.0M$38.0M$36.0M$33.0M$34.0M$33.0M$30.0M$30.0M$33.0M$36.0M$35.0M$31.0M
EPS$2.61$2.71$2.60$2.44$2.48$2.46$2.25$2.23$2.57$2.84$2.79$2.53

Over the 10 years reported for Preferred Bank, borrowings increased from $130.0M in 2016 to $384.0M in 2025, cash stood at $807.0M in the latest year, shareholders' equity was $211.0M, current assets covered current liabilities 143.50 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$3.2B$3.8B$4.2B$4.6B$5.1B$6.0B$6.4B$6.7B$6.9B$7.6B
Current Assets$516.0M$649.0M$723.0M$758.0M$1.0B$1.5B$1.2B$1.2B$801.0M$861.0M
Cash$306.0M$447.0M$527.0M$499.0M$739.0M$1.0B$748.0M$891.0M$766.0M$807.0M
Inventory$0$0$0$0$0$0$0$0$0$0
Receivables$10.0M$14.0M$14.0M$18.0M$24.0M$15.0M$24.0M$36.0M$36.0M$34.0M
Fixed Assets$5.0M$6.0M$7.0M$29.0M$28.0M$33.0M$31.0M$32.0M$22.0M$39.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$2.7B$3.1B$3.5B$4.0B$4.3B$4.9B$5.5B$5.6B$6.0B$6.7B
Other Assets$0$0$0$0$0$0$0$0$0$0
Total Liabilities$2.9B$3.4B$3.8B$4.2B$4.6B$5.5B$5.8B$6.0B$6.2B$6.8B
Current Liabilities$2.8B$3.3B$3.6B$4.0B$4.4B$5.2B$5.6B$5.7B$5.9B$6.0M
Borrowings$130.0M$105.0M$100.0M$120.0M$118.0M$171.0M$169.0M$168.0M$165.0M$384.0M
Other Liabilities$2.8B$3.3B$3.7B$4.0B$4.5B$5.3B$5.6B$5.8B$6.0B$6.4B
Equity$170.0M$208.0M$211.0M$211.0M$211.0M$211.0M$211.0M$211.0M$211.0M$211.0M
Reserves$298.0M$355.0M$417.0M$470.0M$525.0M$587.0M$630.0M$695.0M$763.0M$789.0M

For Preferred Bank, operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $167.0M; free cash flow was positive in 10 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$53.0M$53.0M$99.0M$87.0M$104.0M$120.0M$144.0M$175.0M$165.0M$168.0M
Investing Cash Flow$-531.0M$-391.0M$-412.0M$-463.0M$-320.0M$-621.0M$-700.0M$-100.0M$-423.0M$-625.0M
Financing Cash Flow$480.0M$486.0M$377.0M$323.0M$457.0M$765.0M$298.0M$97.0M$169.0M$335.0M
Net Cash Flow$95.0M$151.0M$47.0M$-67.0M$224.0M$291.0M$-283.0M$143.0M$-125.0M$42.0M
Free Cash Flow$52.0M$52.0M$96.0M$81.0M$102.0M$119.0M$143.0M$173.0M$164.0M$167.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.69
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y8.19%
Return 3Y71.22%
Return 5Y110.42%

Preferred Bank (PFBC) financials — frequently asked questions

What is Preferred Bank's annual revenue?

Preferred Bank (PFBC) reported annual revenue of $499.0M in its most recent fiscal year.

What is Preferred Bank's net profit?

Preferred Bank (PFBC) reported net profit of $134.0M in its most recent fiscal year.

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