Li Yu: 2025 Net Income Reaches $133.6 Million
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
0mins
Li Yu, Chairman and CEO, commented, "I am pleased to report fourth quarter net income of $34.8 million or $2.79 per share and for the full year 2025, net income of $133.6 million or $10.41 per share, which makes our profitability among the top echelon of the banking industry. The Bank's net interest margin for the fourth quarter was 3.74%, a decrease from third quarter, due mainly to the interest rate cuts implemented by the Federal Reserve in September and December. However, market rates on deposits have not kept pace with the rate cuts as competition for deposits remains elevated."
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Analyst Views on PFBC
Wall Street analysts forecast PFBC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for PFBC is 112.50 USD with a low forecast of 104.00 USD and a high forecast of 121.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 83.850
Low
104.00
Averages
112.50
High
121.00
Current: 83.850
Low
104.00
Averages
112.50
High
121.00
About PFBC
Preferred Bank is an independent commercial bank focusing primarily on the California market. The Bank provides a range of financial services. The Bank offers a range of deposit and loan products and services to both commercial and consumer customers. The Bank provides personalized deposit services as well as real estate finance, commercial loans and trade finance to small and mid-sized businesses, entrepreneurs, real estate developers, professionals, and high net worth individuals. The Bank conducts its banking business from its main office in Los Angeles, California, and through 12 full-service branch banking offices in California (Alhambra, Century City, City of Industry, Torrance, Arcadia, Irvine, Diamond Bar, Pico Rivera, Tarzana, and San Francisco), one branch in Flushing, New York and a branch office in the Houston, Texas suburb of Sugar Land. In addition, the Bank operates a loan production office in Sunnyvale, California.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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.
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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.
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