(PFBC) Preferred Bank - Ratings and Ratios

Preferred Bank, operating under the ticker symbol PFBC on the NASDAQ, is a regional bank with a sharp focus on serving small to mid-sized businesses, entrepreneurs, and high net worth individuals. They specialize in offering tailored financial solutions, making them a key player in supporting local economies and business growth. Their target clientele includes real estate developers, professionals, and investors who require personalized banking services.

The banks service portfolio is comprehensive, designed to meet diverse financial needs. On the deposit side, they offer checking, savings, and money market accounts, along with a range of CDs and individual retirement accounts. Their lending services are equally robust, covering real estate loans for various property types, construction loans, and commercial loans tailored for working capital and capital expenditures. Additionally, they facilitate trade finance through services like letters of credit and international wire transfers, and provide cash management solutions, ensuring businesses can manage their finances efficiently.

Operational reach is another strength, with full-service branches in key locations across California, New York, and Texas. This strategic presence allows them to effectively serve both regional and international clients, enhancing their ability to support diverse business needs. Established in 1991 and headquartered in Los Angeles, Preferred Bank has built a reputation for reliability and personalized service.

For investors, Preferred Bank presents an intriguing profile with a market cap of $1.185 billion, reflecting a stable valuation. The P/E ratio of 9.00 and forward P/E of 9.07 indicate reasonable valuation relative to earnings, while a P/B ratio of 1.58 suggests that the banks assets are valued appropriately. These metrics highlight the banks potential as a prudent investment choice, supported by consistent performance and strategic market positioning.