---
title: "Preferred Bank (PFBC.US)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/PFBC.US.md"
symbol: "PFBC.US"
name: "Preferred Bank"
industry: "區域性銀行"
---

# Preferred Bank (PFBC.US)

| Item | Detail |
|------|--------|
| Industry | 區域性銀行 |
| Location | 美股市場 |
| Website | [www.preferredbank.com](https://www.preferredbank.com) |

## Company Profile

優選銀行為中小型企業、企業家、房地產開發商、專業人士和高淨值個人提供各種銀行產品和服務。該公司接受支票賬戶、儲蓄賬戶和貨幣市場存款賬戶；固定利率和固定到期的零售及非零售存款證；以及個人退休賬戶。它還提供以零售、工業、辦公、特殊用途以及住宅單戶和多戶物業為擔保的房地產抵押貸款；房地產建設貸款；商業貸款，包括用于營運資金的信用額度、用于資本支出的定期貸款，以及商業和備用信用證；以及用于商業目的的小企業管理貸款，如自用商業房地產、企業收購、創業、特許經營融資、營運資金、改進和翻新、庫存和設備，以及債務再融資。此外，該公司還提供貿易融資服務，包括商業和出口信用證、進口信用額度、單據托收、國際電匯、承兌...

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-20T04:30:13.000Z

**Overall: C (0.45)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 171 / 324 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 5.27% |  |
| Net Profit YoY | 2.27% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 1.42 |  |
| Dividend Ratio | 3.31% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 1.12B |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 281.24M |  |


**Multi Score**: C

#### Profit Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 17.21% | A |
| Profit Margin | 47.52% | A |
| Gross Margin | 0.00% | E |

#### Growth Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 5.27% | C |
| Net Profit YoY | 2.27% | C |
| Total Assets YoY | 9.79% | B |
| Net Assets YoY | 3.45% | C |

#### Cash Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 210.46% | C |
| OCF YoY | 5.27% | C |

#### Operating Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.00 | E |

#### Debt Score: A

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 0.00% | A |


```chart-data:radar
{
  "title": "Longbridge Financial Score - Preferred Bank",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "17.21%",
          "rating": "A"
        },
        {
          "name": "Profit Margin",
          "value": "47.52%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "C",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "5.27%",
          "rating": "C"
        },
        {
          "name": "Net Profit YoY",
          "value": "2.27%",
          "rating": "C"
        },
        {
          "name": "Total Assets YoY",
          "value": "9.79%",
          "rating": "B"
        },
        {
          "name": "Net Assets YoY",
          "value": "3.45%",
          "rating": "C"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "C",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "210.46%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "5.27%",
          "rating": "C"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "E",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "A",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | Truist Financial (US.TFC) | C | B | E | A | B | B |
| 02 | Pinnacle金融 (US.PNFP) | B | B | E | A | B | B |
| 03 | SouthState Bank (US.SSB) | B | A | E | A | B | B |
| 04 | Old National銀行 (US.ONB) | C | A | E | A | B | B |
| 05 | UMB金融 (US.UMBF) | B | A | E | A | B | B |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 8.40 | 9/312 | 9.13 | 8.81 | 8.37 |
| PB | 1.42 | 243/312 | 1.54 | 1.47 | 1.40 |
| PS (TTM) | 3.99 | 196/312 | 4.33 | 4.19 | 4.00 |
| Dividend Yield | 3.31% | 69/312 | 3.47% | 3.29% | 3.15% |

## Institutional View

### Analyst Rating Distribution

> As of 2026-01-30T05:00:00.000Z

Total Analysts: **4**

| Rating | Count | Percentage |
|--------|-------|-----------|
| Buy | 0 | 0% |
| Overweight | 1 | 25% |
| Hold | 3 | 75% |
| Underweight | 0 | 0% |
| Sell | 0 | 0% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 92.37 |
| Highest Target | 111.00 |
| Lowest Target | 93.00 |

## References

- [Company Overview](https://longbridge.com/en/quote/PFBC.US/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/PFBC.US/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/PFBC.US/topics.md) - Community topics and discussions

---

> **Disclaimer**: This article is for reference only and does not constitute any investment advice.