Preferred Bank (PFBC) Q3 2025 Earnings Call Transcript
Earnings Per Share (EPS) $2.84 for Q3 2025, a record high. No specific year-over-year change mentioned.
Net Income $35.9 million for Q3 2025. No specific year-over-year change mentioned.
Nonperforming Loans Reduced from $52 million to $17 million, largely due to the foreclosure and sale of a $37 million loan.
Charge-offs Totaled $1.8 million for the year, described as very acceptable.
Loan Growth 2.3% or $133 million for Q3 2025. No specific year-over-year change mentioned.
Deposit Growth 2.5% or $151 million for Q3 2025. No specific year-over-year change mentioned.
Net Interest Income and Net Interest Margin Both improved in Q3 2025 compared to the previous quarter. No specific year-over-year change mentioned.
Efficiency Ratio Less than 30% in Q3 2025, attributed to increased net interest income.
Share Repurchase $6.3 million worth of shares repurchased in Q3 2025.
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Preferred Bank Reports Q4 Net Income of $34.8 Million, Up $4.6 Million YoY
- Net Income Growth: Preferred Bank reported a fourth-quarter net income of $34.8 million, an increase of $4.6 million year-over-year, indicating sustained improvement in profitability and reflecting a rebound in market demand.
- Earnings Per Share Increase: The net income per share rose from $2.25 last year to $2.79, aligning with analysts' expectations, demonstrating the company's significant achievements in cost control and efficiency enhancement.
- Revenue Growth: Revenue for the quarter reached $78.1 million, up from $72.8 million in the prior year, showcasing strong growth in loan and service demand, further solidifying Preferred Bank's market position.
- Stock Performance: In pre-market trading, Preferred Bank's stock rose by 2.00% to $101.13, reflecting positive investor sentiment towards the company's financial performance, which may attract more investor interest.
Preferred Bank Reports Q4 EPS of $2.79, Revenue Up 7.2% Year-over-Year
- Earnings Meet Expectations: Preferred Bank reported a Q4 GAAP EPS of $2.79, aligning with market expectations, indicating the company's consistent performance in maintaining profitability.
- Revenue Growth: The bank's Q4 revenue reached $78.07 million, marking a 7.2% year-over-year increase and exceeding market expectations by $3.53 million, reflecting strong growth in customer base and market demand.
- Positive Market Reaction: Following the earnings report, the market responded favorably to Preferred Bank's stable financial performance, which may boost investor confidence and drive stock price appreciation.
- Optimistic Future Outlook: With ongoing revenue growth and robust profitability, Preferred Bank is well-positioned to strengthen its market position and attract more investments in the competitive landscape ahead.
Preferred Bank to Release Q4 2025 Financial Results on January 22
- Earnings Release Schedule: Preferred Bank plans to announce its financial results for Q4 2025 before market open on January 22, 2026, highlighting its competitive position among independent commercial banks in California.
- Management Conference Call: On the same day, management will host a conference call at 2:00 p.m. Eastern to discuss financial results and business highlights, which is expected to attract investor interest.
- Live Webcast Availability: The conference call will be simultaneously broadcast over the Internet via the Investor Relations section of Preferred Bank's website, enhancing transparency and investor engagement.
- Replay Service: A replay of the call will be available until February 5, 2026, ensuring that investors who cannot participate live can access key information.
Top Income Stocks to Consider Purchasing on November 17th
Stock Recommendations: Three stocks with strong buy rankings and attractive dividend yields are highlighted: TPG RE Finance Trust (10.7% yield), Preferred Bank (3.3% yield), and Popular, Inc. (2.6% yield), all showing positive earnings estimates over the past 60 days.
Quantum Computing Advancements: Quantum computing is rapidly evolving, with major tech companies like Microsoft, Google, and Amazon integrating it into their operations, indicating a significant technological shift.
Investment Insights: Senior Stock Strategist Kevin Cook has identified seven stocks that may lead in the quantum computing sector, suggesting a potential investment opportunity for those looking to capitalize on this emerging technology.
Research and Reports: Zacks Investment Research offers free stock analysis reports for the mentioned companies and provides insights into the latest stock recommendations for investors.
Top Strong Buy Stocks for November 13: PODD, PRAA, and Others
Zacks Rank #1 Stocks: Five stocks have been added to the Zacks Rank #1 (Strong Buy) List, including Preferred Bank, Weatherford International, Insulet Corporation, PRA Group, and Alexander's, all of which have seen significant increases in their earnings estimates over the past 60 days.
Market Growth in Data Centers: The demand for data is driving a new digital gold rush, with companies providing hardware for data centers expected to thrive, similar to how NVIDIA has succeeded in the semiconductor market.
Emerging Chipmaker: An under-the-radar chipmaker is positioned to benefit from the growth in the semiconductor market, focusing on products that larger companies like NVIDIA do not manufacture.
Investment Recommendations: Zacks Investment Research offers a free report on the "7 Best Stocks for the Next 30 Days," highlighting potential investment opportunities in the current market.
Top Income Stocks to Consider Purchasing on November 13
Top Stock Picks: Three stocks with strong income characteristics and buy rankings are highlighted: Alexander’s, Inc. (ALX) with an 8% dividend yield, Preferred Bank (PFBC) with a 3.3% yield, and Weatherford International plc (WFRD) with a 1.3% yield.
Earnings Estimates: Each company has seen positive adjustments in their earnings estimates over the past 60 days, with Alexander’s, Inc. increasing by 7%, Preferred Bank by 5.6%, and Weatherford International by 8.6%.
Market Trends: The demand for data is driving a significant market shift, likened to a digital gold rush, with companies providing hardware for data centers poised for growth.
Investment Opportunities: An under-the-radar chipmaker is mentioned as being well-positioned to benefit from the next growth stage in the semiconductor market, focusing on products not offered by major players like NVIDIA.
Preferred Bank Reports Q4 Net Income of $34.8 Million, Up $4.6 Million YoY
- Net Income Growth: Preferred Bank reported a fourth-quarter net income of $34.8 million, an increase of $4.6 million year-over-year, indicating sustained improvement in profitability and reflecting a rebound in market demand.
- Earnings Per Share Increase: The net income per share rose from $2.25 last year to $2.79, aligning with analysts' expectations, demonstrating the company's significant achievements in cost control and efficiency enhancement.
- Revenue Growth: Revenue for the quarter reached $78.1 million, up from $72.8 million in the prior year, showcasing strong growth in loan and service demand, further solidifying Preferred Bank's market position.
- Stock Performance: In pre-market trading, Preferred Bank's stock rose by 2.00% to $101.13, reflecting positive investor sentiment towards the company's financial performance, which may attract more investor interest.
Preferred Bank Reports Q4 EPS of $2.79, Revenue Up 7.2% Year-over-Year
- Earnings Meet Expectations: Preferred Bank reported a Q4 GAAP EPS of $2.79, aligning with market expectations, indicating the company's consistent performance in maintaining profitability.
- Revenue Growth: The bank's Q4 revenue reached $78.07 million, marking a 7.2% year-over-year increase and exceeding market expectations by $3.53 million, reflecting strong growth in customer base and market demand.
- Positive Market Reaction: Following the earnings report, the market responded favorably to Preferred Bank's stable financial performance, which may boost investor confidence and drive stock price appreciation.
- Optimistic Future Outlook: With ongoing revenue growth and robust profitability, Preferred Bank is well-positioned to strengthen its market position and attract more investments in the competitive landscape ahead.
Preferred Bank to Release Q4 2025 Financial Results on January 22
- Earnings Release Schedule: Preferred Bank plans to announce its financial results for Q4 2025 before market open on January 22, 2026, highlighting its competitive position among independent commercial banks in California.
- Management Conference Call: On the same day, management will host a conference call at 2:00 p.m. Eastern to discuss financial results and business highlights, which is expected to attract investor interest.
- Live Webcast Availability: The conference call will be simultaneously broadcast over the Internet via the Investor Relations section of Preferred Bank's website, enhancing transparency and investor engagement.
- Replay Service: A replay of the call will be available until February 5, 2026, ensuring that investors who cannot participate live can access key information.
Top Income Stocks to Consider Purchasing on November 17th
Stock Recommendations: Three stocks with strong buy rankings and attractive dividend yields are highlighted: TPG RE Finance Trust (10.7% yield), Preferred Bank (3.3% yield), and Popular, Inc. (2.6% yield), all showing positive earnings estimates over the past 60 days.
Quantum Computing Advancements: Quantum computing is rapidly evolving, with major tech companies like Microsoft, Google, and Amazon integrating it into their operations, indicating a significant technological shift.
Investment Insights: Senior Stock Strategist Kevin Cook has identified seven stocks that may lead in the quantum computing sector, suggesting a potential investment opportunity for those looking to capitalize on this emerging technology.
Research and Reports: Zacks Investment Research offers free stock analysis reports for the mentioned companies and provides insights into the latest stock recommendations for investors.
Top Strong Buy Stocks for November 13: PODD, PRAA, and Others
Zacks Rank #1 Stocks: Five stocks have been added to the Zacks Rank #1 (Strong Buy) List, including Preferred Bank, Weatherford International, Insulet Corporation, PRA Group, and Alexander's, all of which have seen significant increases in their earnings estimates over the past 60 days.
Market Growth in Data Centers: The demand for data is driving a new digital gold rush, with companies providing hardware for data centers expected to thrive, similar to how NVIDIA has succeeded in the semiconductor market.
Emerging Chipmaker: An under-the-radar chipmaker is positioned to benefit from the growth in the semiconductor market, focusing on products that larger companies like NVIDIA do not manufacture.
Investment Recommendations: Zacks Investment Research offers a free report on the "7 Best Stocks for the Next 30 Days," highlighting potential investment opportunities in the current market.
Top Income Stocks to Consider Purchasing on November 13
Top Stock Picks: Three stocks with strong income characteristics and buy rankings are highlighted: Alexander’s, Inc. (ALX) with an 8% dividend yield, Preferred Bank (PFBC) with a 3.3% yield, and Weatherford International plc (WFRD) with a 1.3% yield.
Earnings Estimates: Each company has seen positive adjustments in their earnings estimates over the past 60 days, with Alexander’s, Inc. increasing by 7%, Preferred Bank by 5.6%, and Weatherford International by 8.6%.
Market Trends: The demand for data is driving a significant market shift, likened to a digital gold rush, with companies providing hardware for data centers poised for growth.
Investment Opportunities: An under-the-radar chipmaker is mentioned as being well-positioned to benefit from the next growth stage in the semiconductor market, focusing on products not offered by major players like NVIDIA.
