<p>保富银行 NASDAQ: PFBC 报告了 2025 年第四季度净收入为 3480 万美元，或每股 2.79 美元，管理层指出贷款需求强劲，但由于美联储降息和存款成本仍然高企，净利差面临持续压力。</p>
<p>在整个年度中，董事长兼首席执行官李宇表示，银行的盈利为 4.34 亿美元，或每股 10.41 美元，并补充说公司的盈利能力 “被认为在银行业中处于顶尖水平。”</p>
<p>获取 <strong>Preferred Bank</strong> 警报：</p>
<h2>净利差受到降息和存款竞争的压力</h2>
<p>李宇表示，银行的净利差从第三季度下降，主要是由于联邦降息。由于大约 70% 的贷款组合为浮动利率贷款，利率变化减少了贷款利息收入，而存款成本 “依然顽固地高。”</p>
<p>首席财务官爱德华·查伊卡在问答环节中提供了更多细节，表示 12 月份的净利差为 3.66%，“略低于该季度的水平”，反映了 12 月降息的全面影响。查伊卡还表示，12 月份的存款总成本为 3.17%，并且每月大约下降六到七个基点。</p>
<p>分析师询问了存款贝塔和如果发生额外的美联储降息，存款重新定价是否会改善。查伊卡表示，路径不仅取决于利率，还取决于存款的竞争压力，管理层形容这种压力为 “非常非常强。” 银行预计将继续出现定期存款到期后以较低利率重新存入的模式，尽管查伊卡指出，考虑到美联储的行动，新定期存款利率并没有像管理层预期的那样下降。</p>
<h2>贷款和存款增长改善，重点关注商业贷款</h2>
<p>保富银行季度贷款增长为 1.82 亿美元，李宇形容为 “超过 12%”，同时存款增长为 1.15 亿美元，或 7.4%。截至目前，李宇表示贷款和存款增长分别为 7.3% 和 7.2%。</p>
<p>展望 2026 年，李宇表示贷款需求正在增强，特别是在商业房地产和商业及工业贷款方面，银行的预算预计将比前一年有更高的增长——同时警告政策变化可能会影响结果。当被问及存款增长是否会与贷款增长保持类似的速度时，管理层同意这是一个合理的假设，考虑到银行的贷款与存款比例。</p>
<p>在资金方面，查伊卡表示，银行在第一季度到期的定期存款约为 13 亿美元，平均加权利率为 3.96%，而新定期存款的定价目前平均在 3.70% 到 3.80% 之间。管理层还评论了竞争动态，指出大型银行在银行市场上积极推广定期存款，这使得降低存款成本的努力变得复杂，同时仍在增加余额。</p>
<h2>信贷：受批评资产因大额关系降级而增加</h2>
<p>李宇表示，季度内不良资产略有下降，但受批评资产增加了 9700 万美元。他将增加归因于将一个 “大型九笔贷款关系” 转为分类状态。</p>
<p>在问答环节中，管理层讨论了一个约为 1.23 亿美元的大型关系，并表示这是银行较大的关系之一。李宇表示，借款人逾期付款，并在其他银行遇到问题，但他强调，相关物业 “仍然有价值。” 管理层表示，银行的首选路径是让客户通过再融资或其他融资方式解决问题，但如果必要，银行准备追求止赎。</p>
<p>李宇表示，银行认为商业房地产市场与 2008 年至 2012 年的低迷时期相比 “非常稳定”，并建议这些贷款 “从根本上” 和 “合理地进行了审查。” 关于时机，李宇表示，银行的内部目标是在 “两个季度内” 解决 “相当一部分” 关系问题，首席风险官尼克·皮称这是 “我们所追求的目标。”</p>
<p>管理层还提到了一笔被降级为非计息的良好担保的多户贷款，在电话会议中被识别为一笔 1950 万美元的贷款。银行表示，更新的评估将该物业的价值定为 4900 万美元，高于之前的评估，管理层表示借款人有动力解决这一情况，因为评估价值与贷款余额之间存在差异。</p>
<p>在本季度，李宇表示贷款损失准备金为 430 万美元。针对关于准备金充足性的问题，管理层表示本季度的准备金反映了多个因素，包括贷款增长和其他贷款的具体准备金。管理层还表示调整了定性因素，包括由于信贷趋势变化在房地产部门增加了五个基点，并表示定性因素占总准备金的 42.5%。银行表示相信其准备金 “应该足以覆盖我们的信贷情况。”</p>
<h2>OREO 销售提升了非利息收入；讨论了费用收入基线</h2>
<p>李宇表示，银行在本季度出售了两项大型其他房地产资产（OREO），产生了 180 万美元的净收益，记录在非利息收入中。他补充说，一项导致亏损的销售记录在非利息支出中，他表示这反映了 GAAP 的呈现。</p>
<p>当被问及 OREO 收益是否影响季度每股收益时，管理层同意分析师的估计，即税后影响约为每股 0.20 美元（这意味着除去收益后约为每股 2.59 美元）。管理层还表示，两项 OREO 销售中的一项包括买方融资，而另一项则是全现金销售，使银行在其中一项物业上承担的贷款风险较小。</p>
<p>关于 2026 年手续费收入的展望，管理层表示，第四季度的水平（不包括一次性 OREO 影响）是一个合理的基准，尽管他们指出信用证手续费收入 “非常非常强劲”，可能难以完全复制。</p>
<h2>费用预期、资本行动和并购观点</h2>
<p>关于费用，Czajka 表示，银行预计第一季度的非利息费用将在 2150 万美元到 2250 万美元之间，并在后来的交流中补充，预计费用将在全年内上升，并且由于剩余的小型物业，可能会有一些额外的 OREO 相关成本。管理层表示，全年中到高个位数的非利息费用增长率是合理的。</p>
<p>关于资本行动，管理层表示在本季度没有回购股票，尽管在十月份进行了少量回购。余表示，银行在 2026 年回购股票的能力将取决于 “整体情况”，特别是贷款增长和存款条件，并暗示当前环境 “并不像去年那样有利于回购”。</p>
<p>关于并购，余表示银行审查了一些潜在交易，但定价预期并不令人满意。他表示，银行将继续评估出现的机会。</p>
<p>在结束语中，余表示银行预计将在接下来的六个月内解决其信贷挑战，同时保持正常运营，并表示管理层继续展望 2026 年作为潜在的增长年，除非政府政策发生突然变化。</p>
<h2>关于保富银行 NASDAQ: PFBC</h2>
<p>保富银行 NASDAQ: PFBC 是一家总部位于洛杉矶的加州特许商业银行。该机构为企业和个人提供全方位的银行产品和服务，特别强调商业房地产贷款、商业银行业务、财务管理和存款账户。保富银行通过南加州的分支机构和美国主要市场的全国贷款生产办公室运营。</p>
<p>该银行的核心贷款组合专注于商业房地产的收购、开发和投资物业。</p>
<h2>精选文章</h2>
<ul>
<li>五只我们认为比保富银行更好的股票</li>
<li>埃隆是否在为银色冲击做准备？</li>
<li>1933 年的退款：特朗普的重置可能创造即时财富</li>
<li>AI 驱动的传感器如何解决美国机场内部的技术差距</li>
<li>特朗普的 AI 秘密：比 Nvidia 快 100 倍</li>
<li>没有人告诉你的 100 万亿美元的 AI 故事</li>
</ul>
<p><em>此即时新闻提醒由叙事科学技术和 MarketBeat 的金融数据生成，以便为读者提供最快的报道和公正的覆盖。如对本故事有任何问题或意见，请发送邮件至 contact@marketbeat.com。</em></p>
<h2>你现在应该投资 1000 美元在保富银行吗？</h2>
<p>在考虑保富银行之前，你需要听听这个。</p>
<p>MarketBeat 每天跟踪华尔街顶级评级和表现最佳的研究分析师及其推荐给客户的股票。MarketBeat 已识别出五只顶级分析师正在悄悄向客户推荐的股票，建议在更广泛的市场注意到之前购买……而保富银行并不在名单上。</p>
<p>虽然保富银行目前在分析师中获得持有评级，但顶级分析师认为这五只股票更值得购买。</p>
<p>在这里查看这五只股票</p>

保富银行

<p>保富银行（NASDAQ:PFBC）报告称，2025 年第四季度净收入为 3480 万美元，每股收益为 2.79 美元，主要由于贷款需求强劲，但由于美联储降息和高存款成本，净利差受到压力。全年净收入为 4.34 亿美元，每股收益为 10.41 美元。贷款增长为 1.82 亿美元（超过 12%），存款增长为 1.15 亿美元（7.4%）。不良资产略有下降，但受批评资产增加了 9700 万美元。管理层对商业房地产市场保持谨慎，但认为与过去的经济低迷相比，市场相对稳定</p>

<p>Preferred Bank NASDAQ: PFBC reported fourth-quarter 2025 net income of $34.8 million, or $2.79 per share, as management pointed to stronger loan demand but continued pressure on net interest margin tied to Federal Reserve rate cuts and still-elevated deposit costs.</p>
<div class="lb-trans"><p>保富银行 NASDAQ: PFBC 报告了 2025 年第四季度净收入为 3480 万美元，或每股 2.79 美元，管理层指出贷款需求强劲，但由于美联储降息和存款成本仍然高企，净利差面临持续压力。</p>
</div><p>For the full year, Chairman and CEO Li Yu said the bank earned $434 million, or $10.41 per share, adding that the company’s profitability “is believed to be among the top tier of the banking industry.”</p>
<div class="lb-trans"><p>在整个年度中，董事长兼首席执行官李宇表示，银行的盈利为 4.34 亿美元，或每股 10.41 美元，并补充说公司的盈利能力 “被认为在银行业中处于顶尖水平。”</p>
</div><p>Get <strong>Preferred Bank</strong> alerts:</p>
<div class="lb-trans"><p>获取 <strong>Preferred Bank</strong> 警报：</p>
</div><h2>Net interest margin pressured by rate cuts and deposit competition</h2>
<div class="lb-trans"><h2>净利差受到降息和存款竞争的压力</h2>
</div><p>Yu said the bank’s net interest margin declined from the third quarter, primarily due to federal rate cuts. With roughly 70% of the loan portfolio in floating-rate loans, the rate changes reduced loan interest income, while deposit costs “remained stubbornly high,” he said.</p>
<div class="lb-trans"><p>李宇表示，银行的净利差从第三季度下降，主要是由于联邦降息。由于大约 70% 的贷款组合为浮动利率贷款，利率变化减少了贷款利息收入，而存款成本 “依然顽固地高。”</p>
</div><p>Chief Financial Officer Edward Czajka provided additional detail during Q&amp;A, saying the net interest margin in December was 3.66%, “slightly below that of the quarter,” reflecting the full impact of the December rate cut. Czajka also said total cost of deposits was 3.17% in December and has been trending down by roughly six to seven basis points per month.</p>
<div class="lb-trans"><p>首席财务官爱德华·查伊卡在问答环节中提供了更多细节，表示 12 月份的净利差为 3.66%，“略低于该季度的水平”，反映了 12 月降息的全面影响。查伊卡还表示，12 月份的存款总成本为 3.17%，并且每月大约下降六到七个基点。</p>
</div><p>Analysts asked about deposit betas and whether deposit repricing would improve if additional Fed cuts occur. Czajka said the path will depend not only on rates but also on competitive pressure for deposits, which management described as “very, very strong.” The bank expects a continued pattern of CDs rolling off and coming back on at lower rates, though Czajka noted that new CD rates have not declined as much as management expected given the Fed’s actions.</p>
<div class="lb-trans"><p>分析师询问了存款贝塔和如果发生额外的美联储降息，存款重新定价是否会改善。查伊卡表示，路径不仅取决于利率，还取决于存款的竞争压力，管理层形容这种压力为 “非常非常强。” 银行预计将继续出现定期存款到期后以较低利率重新存入的模式，尽管查伊卡指出，考虑到美联储的行动，新定期存款利率并没有像管理层预期的那样下降。</p>
</div><h2>Loan and deposit growth improved, with focus on commercial lending</h2>
<div class="lb-trans"><h2>贷款和存款增长改善，重点关注商业贷款</h2>
</div><p>Preferred Bank posted quarterly loan growth of $182 million, which Yu described as “over 12%,” alongside deposit growth of $115 million, or 7.4%. For the year to date, Yu said loan and deposit growth were 7.3% and 7.2%, respectively.</p>
<div class="lb-trans"><p>保富银行季度贷款增长为 1.82 亿美元，李宇形容为 “超过 12%”，同时存款增长为 1.15 亿美元，或 7.4%。截至目前，李宇表示贷款和存款增长分别为 7.3% 和 7.2%。</p>
</div><p>Looking to 2026, Yu said loan demand is strengthening, particularly in commercial real estate and C&amp;I lending, and the bank is budgeting for higher growth than in the prior year—while cautioning that policy shifts could influence outcomes. When asked whether deposit growth would be targeted at a similar pace to loan growth, management agreed that was a fair assumption given the bank’s loan-to-deposit considerations.</p>
<div class="lb-trans"><p>展望 2026 年，李宇表示贷款需求正在增强，特别是在商业房地产和商业及工业贷款方面，银行的预算预计将比前一年有更高的增长——同时警告政策变化可能会影响结果。当被问及存款增长是否会与贷款增长保持类似的速度时，管理层同意这是一个合理的假设，考虑到银行的贷款与存款比例。</p>
</div><p>On the funding side, Czajka said the bank has about $1.3 billion in CDs maturing in the first quarter at a weighted average rate of 3.96%, while new CDs are currently pricing around 3.70% to 3.80% on average. Management also commented on competitive dynamics, noting that money-center banks have been actively promoting CDs in the bank’s market, complicating efforts to bring deposit costs down while still growing balances.</p>
<div class="lb-trans"><p>在资金方面，查伊卡表示，银行在第一季度到期的定期存款约为 13 亿美元，平均加权利率为 3.96%，而新定期存款的定价目前平均在 3.70% 到 3.80% 之间。管理层还评论了竞争动态，指出大型银行在银行市场上积极推广定期存款，这使得降低存款成本的努力变得复杂，同时仍在增加余额。</p>
</div><h2>Credit: criticized assets increased on large relationship downgrade</h2>
<div class="lb-trans"><h2>信贷：受批评资产因大额关系降级而增加</h2>
</div><p>Yu said non-performing assets declined slightly in the quarter, but criticized assets rose by $97 million. He attributed the increase primarily to moving a “large nine-loan relationship” into classified status.</p>
<div class="lb-trans"><p>李宇表示，季度内不良资产略有下降，但受批评资产增加了 9700 万美元。他将增加归因于将一个 “大型九笔贷款关系” 转为分类状态。</p>
</div><p>During the Q&amp;A, management discussed a large relationship described as roughly $123 million and said it is among the bank’s larger relationships. Yu said the borrower is late on payments and experiencing issues with other banks, but he emphasized that the underlying properties “still have value.” Management said the bank’s preferred path is for the customer to refinance or resolve the situation through alternative financing, but it is prepared to pursue foreclosure if necessary.</p>
<div class="lb-trans"><p>在问答环节中，管理层讨论了一个约为 1.23 亿美元的大型关系，并表示这是银行较大的关系之一。李宇表示，借款人逾期付款，并在其他银行遇到问题，但他强调，相关物业 “仍然有价值。” 管理层表示，银行的首选路径是让客户通过再融资或其他融资方式解决问题，但如果必要，银行准备追求止赎。</p>
</div><p>Yu said the bank believes the commercial real estate market remains “very stable” compared with the downturn periods of 2008 through 2012, and suggested the loans were “fundamentally” and “reasonably underwritten.” On timing, Yu said the bank’s internal goal is to have a “good portion” of the relationship issues “resolved sometime within two quarters,” with Chief Risk Officer Nick Pi calling that “the goal where we’re heading.”</p>
<div class="lb-trans"><p>李宇表示，银行认为商业房地产市场与 2008 年至 2012 年的低迷时期相比 “非常稳定”，并建议这些贷款 “从根本上” 和 “合理地进行了审查。” 关于时机，李宇表示，银行的内部目标是在 “两个季度内” 解决 “相当一部分” 关系问题，首席风险官尼克·皮称这是 “我们所追求的目标。”</p>
</div><p>Management also addressed a well-secured multifamily loan that was downgraded to non-accrual, identified on the call as a $19.5 million loan. The bank said an updated appraisal valued the property at $49 million, higher than a prior appraisal, and management expressed the view that the borrower has an incentive to resolve the situation given the difference between the appraisal value and the loan balance.</p>
<div class="lb-trans"><p>管理层还提到了一笔被降级为非计息的良好担保的多户贷款，在电话会议中被识别为一笔 1950 万美元的贷款。银行表示，更新的评估将该物业的价值定为 4900 万美元，高于之前的评估，管理层表示借款人有动力解决这一情况，因为评估价值与贷款余额之间存在差异。</p>
</div><p>For the quarter, Yu said the loan loss provision was $4.3 million. In response to questions about reserve adequacy, management said the quarter’s provision reflected multiple factors including loan growth and specific reserves on other loans. Management also said it adjusted qualitative factors, including increasing by five basis points across the real estate segment due to credit trend movements, and stated that qualitative factors represented 42.5% of the total reserve. The bank said it believes its reserves “should be more than enough to cover our credit situation.”</p>
<div class="lb-trans"><p>在本季度，李宇表示贷款损失准备金为 430 万美元。针对关于准备金充足性的问题，管理层表示本季度的准备金反映了多个因素，包括贷款增长和其他贷款的具体准备金。管理层还表示调整了定性因素，包括由于信贷趋势变化在房地产部门增加了五个基点，并表示定性因素占总准备金的 42.5%。银行表示相信其准备金 “应该足以覆盖我们的信贷情况。”</p>
</div><h2>OREO sales boosted non-interest income; fee income baseline discussed</h2>
<div class="lb-trans"><h2>OREO 销售提升了非利息收入；讨论了费用收入基线</h2>
</div><p>Yu said the bank sold two large other real estate owned (OREO) assets during the quarter, producing a net gain of $1.8 million that was recorded in non-interest income. He added that a sale that resulted in a loss was recorded in non-interest expense, which he said reflected GAAP presentation.</p>
<div class="lb-trans"><p>李宇表示，银行在本季度出售了两项大型其他房地产资产（OREO），产生了 180 万美元的净收益，记录在非利息收入中。他补充说，一项导致亏损的销售记录在非利息支出中，他表示这反映了 GAAP 的呈现。</p>
</div><p>When asked whether the OREO gains affected quarterly EPS, management agreed with an analyst’s estimate that the after-tax impact was about $0.20 per share (implying roughly $2.59 per share excluding the gain). Management also said one of the two OREO sales included buyer financing, while the other was an all-cash sale, leaving the bank with a smaller loan exposure tied to one of the properties.</p>
<div class="lb-trans"><p>当被问及 OREO 收益是否影响季度每股收益时，管理层同意分析师的估计，即税后影响约为每股 0.20 美元（这意味着除去收益后约为每股 2.59 美元）。管理层还表示，两项 OREO 销售中的一项包括买方融资，而另一项则是全现金销售，使银行在其中一项物业上承担的贷款风险较小。</p>
</div><p>On outlook for fee income in 2026, management said the fourth-quarter level excluding the one-time OREO impact is a reasonable baseline, though it noted letter of credit fee income was “very, very strong” and may be difficult to reproduce exactly.</p>
<div class="lb-trans"><p>关于 2026 年手续费收入的展望，管理层表示，第四季度的水平（不包括一次性 OREO 影响）是一个合理的基准，尽管他们指出信用证手续费收入 “非常非常强劲”，可能难以完全复制。</p>
</div><h2>Expense expectations, capital actions, and M&amp;A view</h2>
<div class="lb-trans"><h2>费用预期、资本行动和并购观点</h2>
</div><p>On expenses, Czajka said the bank expects first-quarter non-interest expense to run around $21.5 million to $22.5 million, adding in a later exchange that expenses are expected to rise through the year and that there could be some additional OREO-related costs given remaining smaller properties. For the full year, management said a mid- to high-single-digit non-interest expense growth rate is reasonable.</p>
<div class="lb-trans"><p>关于费用，Czajka 表示，银行预计第一季度的非利息费用将在 2150 万美元到 2250 万美元之间，并在后来的交流中补充，预计费用将在全年内上升，并且由于剩余的小型物业，可能会有一些额外的 OREO 相关成本。管理层表示，全年中到高个位数的非利息费用增长率是合理的。</p>
</div><p>Regarding capital actions, management said it did not repurchase shares during the quarter, though it did conduct a nominal amount of repurchases in October. Yu said the bank’s ability to repurchase shares in 2026 will depend on the “total picture,” particularly loan growth and deposit conditions, and suggested the environment is “not quite as conducive” to repurchases as last year.</p>
<div class="lb-trans"><p>关于资本行动，管理层表示在本季度没有回购股票，尽管在十月份进行了少量回购。余表示，银行在 2026 年回购股票的能力将取决于 “整体情况”，特别是贷款增长和存款条件，并暗示当前环境 “并不像去年那样有利于回购”。</p>
</div><p>On mergers and acquisitions, Yu said the bank has reviewed a few potential deals, but pricing expectations have not been satisfactory. He said the bank will continue to evaluate opportunities as they arise.</p>
<div class="lb-trans"><p>关于并购，余表示银行审查了一些潜在交易，但定价预期并不令人满意。他表示，银行将继续评估出现的机会。</p>
</div><p>In closing remarks, Yu said the bank expects to work through its credit challenges over the next six months while maintaining normal operations, and said management continues to look ahead to 2026 as a potential growth year, barring sudden shifts in government policy.</p>
<div class="lb-trans"><p>在结束语中，余表示银行预计将在接下来的六个月内解决其信贷挑战，同时保持正常运营，并表示管理层继续展望 2026 年作为潜在的增长年，除非政府政策发生突然变化。</p>
</div><h2>About Preferred Bank NASDAQ: PFBC</h2>
<div class="lb-trans"><h2>关于保富银行 NASDAQ: PFBC</h2>
</div><p>Preferred Bank NASDAQ: PFBC is a California-chartered commercial bank headquartered in Los Angeles. The institution offers a full range of banking products and services to businesses and individuals, with a particular emphasis on commercial real estate lending, business banking, treasury management and deposit accounts. Preferred Bank operates through branch offices across Southern California and national loan production offices in major U.S. markets.</p>
<div class="lb-trans"><p>保富银行 NASDAQ: PFBC 是一家总部位于洛杉矶的加州特许商业银行。该机构为企业和个人提供全方位的银行产品和服务，特别强调商业房地产贷款、商业银行业务、财务管理和存款账户。保富银行通过南加州的分支机构和美国主要市场的全国贷款生产办公室运营。</p>
</div><p>The bank's core lending portfolio focuses on commercial real estate acquisition, development and investment properties.</p>
<div class="lb-trans"><p>该银行的核心贷款组合专注于商业房地产的收购、开发和投资物业。</p>
</div><h2>Featured Articles</h2>
<div class="lb-trans"><h2>精选文章</h2>
</div><ul>
<li>Five stocks we like better than Preferred Bank</li>
<li>Is Elon Preparing for a Silver Shock?</li>
<li>Refund From 1933: Trump’s Reset May Create Instant Wealth</li>
<li>How AI-enabled Sensors are Solving the Technology Gap Inside America’s Airports</li>
<li>Trump’s AI Secret: 100X Faster Than Nvidia</li>
<li>The $100 Trillion AI Story No One Is Telling You</li>
</ul>
<div class="lb-trans"><ul>
<li>五只我们认为比保富银行更好的股票</li>
<li>埃隆是否在为银色冲击做准备？</li>
<li>1933 年的退款：特朗普的重置可能创造即时财富</li>
<li>AI 驱动的传感器如何解决美国机场内部的技术差距</li>
<li>特朗普的 AI 秘密：比 Nvidia 快 100 倍</li>
<li>没有人告诉你的 100 万亿美元的 AI 故事</li>
</ul>
</div><p><em>This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to contact@marketbeat.com.</em></p>
<div class="lb-trans"><p><em>此即时新闻提醒由叙事科学技术和 MarketBeat 的金融数据生成，以便为读者提供最快的报道和公正的覆盖。如对本故事有任何问题或意见，请发送邮件至 contact@marketbeat.com。</em></p>
</div><h2>Should You Invest $1,000 in Preferred Bank Right Now?</h2>
<div class="lb-trans"><h2>你现在应该投资 1000 美元在保富银行吗？</h2>
</div><p>Before you consider Preferred Bank, you'll want to hear this.</p>
<div class="lb-trans"><p>在考虑保富银行之前，你需要听听这个。</p>
</div><p>MarketBeat keeps track of Wall Street's top-rated and best performing research analysts and the stocks they recommend to their clients on a daily basis. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the broader market catches on... and Preferred Bank wasn't on the list.</p>
<div class="lb-trans"><p>MarketBeat 每天跟踪华尔街顶级评级和表现最佳的研究分析师及其推荐给客户的股票。MarketBeat 已识别出五只顶级分析师正在悄悄向客户推荐的股票，建议在更广泛的市场注意到之前购买……而保富银行并不在名单上。</p>
</div><p>While Preferred Bank currently has a Hold rating among analysts, top-rated analysts believe these five stocks are better buys.</p>
<div class="lb-trans"><p>虽然保富银行目前在分析师中获得持有评级，但顶级分析师认为这五只股票更值得购买。</p>
</div><p>View The Five Stocks Here</p>
<div class="lb-trans"><p>在这里查看这五只股票</p>
</div>

保富银行第四季度财报电话会议要点