Earnings Performance: Preferred Bank reported a record EPS of $2.84 and a net income of $35.9 million for Q3 2025, reflecting strong financial performance.
Credit Quality Improvement: Non-performing loans decreased significantly from $52 million to $17 million, indicating enhanced credit quality.
Growth Metrics: The bank experienced a 2.3% increase in loan growth and a 2.5% increase in deposit growth, showcasing positive business momentum.
Market Challenges: Despite improvements, the bank faces challenges in the competitive environment for low-cost deposits and ongoing economic uncertainties affecting business optimism.
PFBC
$100.575+Infinity%1D
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 111.50 USD with a low forecast of 104.00 USD and a high forecast of 119.00 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
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 111.50 USD with a low forecast of 104.00 USD and a high forecast of 119.00 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.
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 100.090
Low
104.00
Averages
111.50
High
119.00
Current: 100.090
Low
104.00
Averages
111.50
High
119.00
DA Davidson
Neutral
downgrade
$108 -> $104
2025-10-22
Reason
DA Davidson
Price Target
$108 -> $104
2025-10-22
downgrade
Neutral
Reason
DA Davidson lowered the firm's price target on Preferred Bank to $104 from $108 and keeps a Neutral rating on the shares. The company's earnings ramped this quarter with a stronger than expected net interest margin, strong loan growth, and a lower share count, driven by a Q2 revision and additional repurchase activity, the analyst tells investors in a research note. The positive resolution of a foreclosed real estate credit in early Q4 is an additional positive data point nearing the year-end, the firm added.
Piper Sandler
NULL -> Overweight
maintain
$112 -> $119
2025-10-22
Reason
Piper Sandler
Price Target
$112 -> $119
2025-10-22
maintain
NULL -> Overweight
Reason
Piper Sandler raised the firm's price target on Preferred Bank to $119 from $112 and keeps an Overweight rating on the shares following quarterly results. The firm is increasing its 2025 / 2026 EPS estimates to $10.30 / $10.35 from $9.85 / $9.70 based on stronger balance sheet growth and better cost control.
Piper Sandler
NULL -> Overweight
maintain
$96 -> $112
2025-07-22
Reason
Piper Sandler
Price Target
$96 -> $112
2025-07-22
maintain
NULL -> Overweight
Reason
Piper Sandler raised the firm's price target on Preferred Bank to $112 from $96 and keeps an Overweight rating on the shares. The firm is also increasing its 2025/2026 EPS estimates to $9.85/$9.70 from $9.29/$9.16 based on a higher net interest margin and larger balance sheet.
DA Davidson
Neutral
maintain
$90 -> $108
2025-07-22
Reason
DA Davidson
Price Target
$90 -> $108
2025-07-22
maintain
Neutral
Reason
DA Davidson raised the firm's price target on Preferred Bank to $108 from $90 and keeps a Neutral rating on the shares. Earnings rebounded after Q1 was impacted by interest reversals, with quarter over quarter growth in NII, fee income, and a lower than expected provision expense, the analyst tells investors in a research note.
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.
