Last 47 quarters of trend data · Financial Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.88 | 9.56 | 8.96 | 8.46 | 7.96 | 8.42 | 9.38 | 9.60 | 8.16 | 7.61 | 7.87 | 7.02 | 5.74 | 5.27 | 5.25 | 6.88 | 6.79 | 9.09 | 10.65 | 10.08 | 9.47 |
| — | +13.5% | -4.5% | -11.8% | -2.4% | +10.6% | +19.2% | +36.6% | +42.0% | +44.5% | +49.8% | +2.0% | -15.5% | -42.1% | -50.7% | -31.7% | -28.3% | -17.2% | -5.0% | +11.9% | +35.6% | |
| P/S Ratio | 4.30 | 4.37 | 4.02 | 3.95 | 3.81 | 3.99 | 4.22 | 4.11 | 3.76 | 3.68 | 3.68 | 3.70 | 2.89 | 2.62 | 2.75 | 3.68 | 3.46 | 4.32 | 5.31 | 5.20 | 4.91 |
| — | +9.3% | -4.7% | -4.0% | +1.3% | +8.6% | +14.6% | +11.2% | +30.0% | +40.4% | +33.8% | +0.5% | -16.5% | -39.4% | -48.1% | -29.2% | -29.5% | -17.7% | +4.1% | +31.2% | +87.7% | |
| P/B Ratio | 1.67 | 1.61 | 1.45 | 1.49 | 1.47 | 1.51 | 1.45 | 1.52 | 1.45 | 1.41 | 1.51 | 1.45 | 1.31 | 1.20 | 1.22 | 1.73 | 1.62 | 1.73 | 1.86 | 1.82 | 1.77 |
| — | +6.9% | +0.1% | -1.9% | +1.6% | +6.7% | -4.1% | +4.9% | +10.6% | +18.1% | +23.7% | -16.2% | -19.0% | -30.6% | -34.6% | -5.0% | -8.4% | +1.9% | +5.6% | +27.3% | +86.0% | |
| P/FCF | 7.31 | 12.04 | 6.30 | 3.42 | 26.41 | 11.07 | 6.36 | 7.29 | 4.87 | 9.95 | 6.24 | — | 3.72 | 3.21 | 3.79 | 7.48 | 5.29 | 8.58 | 8.66 | 9.17 | 6.07 |
| — | +8.8% | -1.0% | -53.1% | +442.3% | +11.3% | +1.9% | — | +30.8% | +210.5% | +64.4% | — | -29.6% | -62.6% | -56.2% | -18.5% | -12.8% | -39.5% | +17.6% | +68.2% | +51.7% | |
| EV / EBITDA | 4.16 | 4.71 | 3.85 | 3.79 | 3.53 | 3.85 | 2.28 | 3.26 | 2.52 | 1.54 | 1.61 | 1.41 | 0.21 | 0.42 | 1.18 | 2.31 | 2.00 | 2.79 | 2.13 | 1.37 | 0.68 |
| — | +22.5% | +69.0% | +16.4% | +40.1% | +150.2% | +41.9% | +130.7% | +1076.6% | +268.8% | +35.9% | -38.9% | -89.3% | -85.1% | -44.5% | +68.2% | +193.1% | +41.7% | +72.1% | +24.6% | +135.1% | |
| EV / EBIT | 4.19 | 4.71 | 3.88 | 3.82 | 3.56 | 3.88 | 2.31 | 3.30 | 2.55 | 1.56 | 1.63 | 1.42 | 0.22 | 0.42 | 1.19 | 2.33 | 2.02 | 2.83 | 2.16 | 1.39 | 0.69 |
| — | +21.4% | +68.4% | +16.0% | +39.7% | +149.6% | +41.9% | +131.4% | +1079.5% | +270.4% | +36.4% | -38.9% | -89.3% | -85.1% | -44.8% | +67.5% | +192.1% | +41.2% | +71.7% | +24.1% | +134.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 96.8% | 98.4% | 97.8% | 94.2% | 96.7% | 97.7% | 98.9% | 97.2% | 95.6% | 96.4% | 93.9% | 94.9% | 95.4% | 96.7% | 99.3% | 97.3% | 96.1% | 95.1% | 100.5% | 101.8% | 103.0% |
| — | +0.6% | -1.1% | -3.0% | +1.1% | +1.4% | +5.4% | +2.4% | +0.2% | -0.3% | -5.5% | -2.5% | -0.7% | +1.7% | -1.2% | -4.4% | -6.7% | -4.9% | +3.6% | +11.6% | +28.2% | |
| Operating Margin | 66.9% | 66.3% | 64.4% | 66.2% | 68.0% | 66.0% | 63.9% | 60.3% | 65.0% | 68.1% | 65.9% | 73.5% | 70.4% | 69.4% | 73.3% | 74.1% | 70.9% | 66.0% | 69.6% | 72.9% | 72.6% |
| — | +0.4% | +0.8% | +9.8% | +4.6% | -3.1% | -3.0% | -18.0% | -7.6% | -2.0% | -10.1% | -0.8% | -0.7% | +5.1% | +5.3% | +1.7% | -2.3% | -1.1% | +9.6% | +19.1% | +43.9% | |
| Net Margin | 47.2% | 45.8% | 45.0% | 46.7% | 47.9% | 46.5% | 45.0% | 42.8% | 46.2% | 48.3% | 46.8% | 52.6% | 50.3% | 49.6% | 52.4% | 53.4% | 51.0% | 47.6% | 49.8% | 51.4% | 51.7% |
| — | -1.6% | -0.2% | +9.0% | +3.8% | -3.8% | -3.7% | -18.6% | -8.2% | -2.7% | -10.8% | -1.5% | -1.4% | +4.4% | +5.3% | +3.8% | -1.4% | -0.4% | +9.6% | +16.8% | +38.1% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 17.2% | 4.3% | 4.0% | 4.4% | 4.7% | 4.3% | 3.9% | 4.0% | 4.5% | 4.7% | 4.8% | 5.2% | 5.7% | 5.7% | 5.9% | 6.5% | 6.0% | 4.7% | 4.4% | 4.6% | 4.7% |
| — | -0.3% | +2.5% | +11.4% | +4.1% | -8.9% | -18.8% | -23.9% | -20.5% | -17.5% | -18.9% | -19.0% | -4.2% | +21.0% | +34.4% | +40.9% | +27.6% | +20.9% | +10.6% | +13.4% | +35.2% | |
| ROA | 1.8% | 0.4% | 0.4% | 0.5% | 0.5% | 0.5% | 0.4% | 0.4% | 0.5% | 0.5% | 0.5% | 0.5% | 0.6% | 0.6% | 0.6% | 0.6% | 0.6% | 0.5% | 0.4% | 0.4% | 0.5% |
| — | -4.6% | -4.6% | +5.5% | +0.1% | -7.5% | -14.2% | -18.8% | -15.3% | -14.5% | -15.6% | -13.3% | +2.2% | +27.4% | +38.4% | +41.6% | +24.2% | +16.4% | +6.7% | +7.6% | +33.3% | |
| ROIC | 13.5% | 3.1% | 2.9% | 3.2% | 3.4% | 3.4% | 3.4% | 3.4% | 3.9% | 4.0% | 4.1% | 4.4% | 4.4% | 4.1% | 4.5% | 5.3% | 4.8% | 3.8% | 3.6% | 3.8% | 3.8% |
| — | -7.5% | -15.4% | -7.6% | -13.4% | -16.4% | -16.8% | -22.1% | -11.6% | -0.5% | -9.2% | -16.3% | -8.9% | +5.8% | +25.5% | +40.0% | +28.1% | +18.1% | +5.0% | +9.7% | +33.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.49 | 0.49 | 0.50 | 0.49 | 0.49 | 0.50 | 0.22 | 0.22 | 0.23 | 0.23 | 0.24 | 0.24 | 0.25 | 0.48 | 0.49 | 0.27 | 0.29 | 0.29 | 0.29 | 0.29 | 0.30 |
| — | -2.4% | +124.5% | +124.2% | +109.7% | +114.6% | -8.0% | -10.3% | -6.0% | -51.3% | -50.4% | -9.8% | -13.5% | +66.6% | +70.5% | -7.8% | -4.8% | -6.7% | +29.5% | +29.5% | +28.4% | |
| Debt / EBITDA | 2.01 | 7.93 | 8.52 | 7.71 | 7.39 | 7.90 | 4.00 | 3.84 | 3.68 | 3.50 | 3.53 | 3.32 | 3.09 | 5.95 | 5.95 | 3.05 | 3.44 | 4.28 | 4.60 | 4.49 | 4.57 |
| — | +0.4% | +112.8% | +100.7% | +100.6% | +125.9% | +13.3% | +15.6% | +19.1% | -41.2% | -40.6% | +8.9% | -10.0% | +39.0% | +29.2% | -32.1% | -24.7% | -23.6% | +16.7% | +12.5% | -9.2% | |
| Current Ratio | 149.60 | 255.01 | 183.04 | 149.60 | 0.13 | 0.13 | 0.15 | 0.14 | 0.20 | 0.22 | 0.22 | 0.22 | 0.24 | 0.25 | 0.23 | 0.22 | 0.21 | 0.22 | 0.27 | 0.29 | 0.30 |
| — | +189921.1% | +118812.2% | +110678.5% | -31.8% | -37.7% | -30.3% | -37.7% | -18.2% | -14.5% | -5.1% | +0.5% | +16.4% | +17.0% | -12.4% | -24.7% | -30.4% | -12.3% | +6.9% | +26.9% | +26.7% | |
| Quick Ratio | 149.60 | 255.01 | 183.04 | 149.60 | 0.13 | 0.13 | 0.15 | 0.14 | 0.20 | 0.22 | 0.22 | 0.22 | 0.24 | 0.25 | 0.23 | 0.22 | 0.21 | 0.22 | 0.27 | 0.29 | 0.30 |
| — | +189921.1% | +118812.2% | +110678.5% | -31.8% | -37.7% | -30.3% | -37.7% | -18.2% | -14.5% | -5.1% | +0.5% | +16.4% | +17.0% | -12.4% | -24.7% | -30.4% | -12.3% | +6.9% | +26.9% | +26.7% | |
| Interest Coverage | 0.88 | 0.93 | 0.86 | 0.90 | 0.92 | 0.87 | 0.82 | 0.75 | 0.78 | 0.77 | 0.81 | 0.90 | 1.02 | 1.18 | 1.51 | 2.26 | 4.20 | 6.35 | 7.29 | 6.97 | 6.26 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying PFBC stock.
Preferred Bank's current P/E is 9.9x. The average P/E over the last 4 quarters is 8.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Preferred Bank's current operating margin is 66.9%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Preferred Bank's business trajectory between earnings reports.