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Preferred Bank (PFBC) Stock Analysis

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $91.92, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining.

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... Read more

$91.92+3.5% A.UpsideScore 5.8/10#79 of 142 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield3.49%(5y avg 2.94%)Payout35.95%sustainable
Stop $87.92Target $95.11(resistance)A.R:R -0.8:1
Analyst target$103.75+12.9%4 analysts
$95.11our TP
$91.92price
$103.75mean
$111

Hold if already holding. Not a fresh buy at $91.92, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 5.8/10, moderate confidence.

Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 61d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

Recent Developments — Preferred Bank

Generated 2026-05-20T20:21:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (3/4)
Attractive valuation
Risks
Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)8.6
P/E (Fwd)8.2
Mkt Cap$1.1B
EV/EBITDA
Profit Mgn47.5%
ROE17.4%
Rev Growth3.3%
Beta0.56
Dividend3.49%
Rating analysts11

Quality Signals

Piotroski F8/9

Options Flow

P/C0.75neutral
IV42%normal

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesA.R:R -0.8=NEGATIVEMomentum 4.9<5.5 (soft — BUY_NOW allowed but watch)Momentum 4.9>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 61d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Aggressive
RSI
42 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $89.75Resistance $97.05

Price Targets

$88
$95
A.Upside+3.5%
A.R:R-0.8:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (-4.1% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-20 (61d)

Verdict History

reverse chrono — latest first
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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is PFBC stock a buy right now?

Hold if already holding. Not a fresh buy at $91.92, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $95.11 (+3.5%), stop $87.92 (−4.5%), A.R:R -0.8:1. Score 5.8/10, moderate confidence.

What is the PFBC stock price target?

Take-profit target: $95.11 (+3.5% upside). Target $95.11 (+3.5%), stop $87.92 (−4.5%), A.R:R -0.8:1. Stop-loss: $87.92.

What are the risks of investing in PFBC?

Analyst target reached - limited upside remaining.

Is PFBC overvalued or undervalued?

Preferred Bank trades at a P/E of 8.6 (forward 8.2). TrendMatrix value score: 8.0/10. Verdict: Hold.

What do analysts say about PFBC?

11 analysts cover PFBC with a consensus score of 3.7/5. Average price target: $104.

What does Preferred Bank do?Preferred Bank provides various banking products and services to small and mid-sized businesses, entrepreneurs, real...

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, 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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