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Preferred Bank (PFBC) Stock Analysis

Range Bound setup

Buy WaitModerate Confidence

Financial Services · Banks - Regional

Wait for pullback to $89.13. Weak momentum — blocks BUY_NOW at $94.56. Engine's entry $89.13 (Default 5pct Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risk: 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

$94.56+6.3% A.UpsideScore 5.8/10#80 of 142 Banks - Regional
Entry $89.13(Default 5pct Sticky)Stop $84.65Target $95.50(resistance)A.R:R -1.1:1Setup A.R:R 1.6:1
Analyst target$103.75+9.7%4 analysts
$95.50our TP
$94.56price
$103.75mean
$111

Wait for pullback to $89.13. Weak momentum — blocks BUY_NOW at $94.56. Engine's entry $89.13 (Default 5pct Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risk: Analyst target reached - limited upside remaining. Chart setup: RSI 53 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. | News modifier +2 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Score 5.8/10, moderate confidence.

Passes 6/8 gates (positive momentum, clean insider activity, no SEC red flags, news boost analyst 0.70, earnings proximity 80d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

Thesis

Rewards
Strong earnings beat streak (3/4)
Positive news sentiment (+0.67)
Attractive valuation
Risks
Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)9.0
P/E (Fwd)8.4
Mkt Cap$1.1B
EV/EBITDA
Profit Mgn47.5%
ROE17.4%
Rev Growth3.3%
Beta0.57
Dividend3.41%
Rating analysts11

Quality Signals

Piotroski F7/9

Options Flow

IV49%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 -1.1=NEGATIVEMomentum 5.5<5.5 (soft — BUY_NOW allowed but watch)Momentum 5.5>=4.5Insider activity: OKNo SEC red flagsNEWS BOOST ANALYST 0.70EARNINGS PROXIMITY 80d clearSEMI CYCLE PEAK CLEARRange BoundSuitability: Aggressive
RSI
53 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $88.98Resistance $97.45

Price Targets

$85
$89
$96
A.Upside+1.0%
A.R:R-1.1:1
Setup A.R:R (at entry)1.6:1

Position Sizing

ConvictionMedium conviction
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Target reached (-6.7% upside)
! NEWS_MOD=+2: HOLD_IF_HOLDING → STRONG_BUY_WAIT
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-20 (80d)

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?

Wait for pullback to $89.13. Weak momentum — blocks BUY_NOW at $94.56. Engine's entry $89.13 (Default 5pct Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risk: Analyst target reached - limited upside remaining. Chart setup: RSI 53 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. | News modifier +2 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Target $95.50 (+1.0%), stop $84.65 (−11.7%), Setup A.R:R 1.6:1. Score 5.8/10, moderate confidence.

What is the PFBC stock price target?

Take-profit target: $95.50 (+6.3% upside). Target $95.50 (+1.0%), stop $84.65 (−11.7%), Setup A.R:R 1.6:1. Stop-loss: $84.65.

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 9.0 (forward 8.4). TrendMatrix value score: 7.9/10. Verdict: Buy (Wait for Entry).

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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