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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.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 5 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $283M | - | $134M | $167M | 16.9% | -0.2% | 2.3% |
| 2024 | $284M | - | $131M | $164M | 17.1% | -3.1% | -12.9% |
| 2023 | $293M | - | $150M | $173M | 21.6% | 15.2% | 16.4% |
| 2022 | $254M | - | $129M | $143M | 20.4% | - | - |
| 2021 | - | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2025 |
|---|---|
| Total Revenue | 283.40 |
| Operating Revenue | 283.40 |
| Selling General And Administration | 57.53 |
| Interest Income | 486.46 |
| Interest Expense | 215.64 |
| Net Interest Income | 270.82 |
| Pretax Income | 189.55 |
| Tax Provision | 55.92 |
| Tax Rate For Calcs | 0 |
| Tax Effect Of Unusual Items | -0.98 |
| Net Income Continuous Operations | 133.63 |
| Net Income From Continuing And Discontinued Operation | 133.63 |
| Net Income From Continuing Operation Net Minority Interest | 133.63 |
| Net Income | 133.63 |
| Net Income Common Stockholders | 133.63 |
| Net Income Including Noncontrolling Interests | 133.63 |
| Normalized Income | 135.98 |
| Diluted NI Availto Com Stockholders | 133.63 |
| Basic Average Shares | 12.59 |
| Diluted Average Shares | 12.84 |
| Reconciled Depreciation | 1.75 |
| Total Unusual Items | -3.33 |
| Total Unusual Items Excluding Goodwill | -3.33 |
| Gain On Sale Of Security | 0.13 |
| General And Administrative Expense | 56.43 |
| Other Gand A | - |
| Salaries And Wages | 56.43 |
| Selling And Marketing Expense | 1.10 |
| Otherunder Preferred Stock Dividend | - |
| Occupancy And Equipment | 10.83 |
| Professional Expense And Contract Services Expense | 6.74 |
| Other Non Interest Expense | 9.64 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Preferred Bankthis co. | PFBC | $1.1B | 8.51↓ discount | 1.44 | 16.9% | - |
| First Mid Bancshares, Inc. | FMBH | $1.2B | 12.94 | 1.24 | 9.6% | - |
| Strive Asset Management, LLC | ASST | $1.2B | - | 2.03 | -3.0% | - |
| Exzeo Group, Inc. | XZO | $1.1B | 13.79 | 4.49 | 32.6% | 7.44 |
| Heritage Financial Corporation | HFWA | $1.1B |
| - |
| - |
| - |
| - |
| 16.86 |
| 1.24 |
| 7.3% |
| - |
| United Fire Group, Inc. | UFCS | $1.1B | 9.51 | 1.19 | 12.6% | - |
| Univest Financial Corporation | UVSP | $1.1B | 12.37 | 1.19 | 9.6% | - |
| Metropolitan Bank Holding Corp. | MCB | $1.1B | 15.75 | 1.51 | 9.6% | - |
| Old Second Bancorp, Inc. | OSBC | $1.1B | 13.72 | 1.23 | 9.0% | - |
| Peer Median | - | 13.72 | 1.24 | 9.6% | 7.44 | |