Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Preferred Bank's quarterly P/E stands at 8.5x, down 11.8% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has expanded 17.4% YoY to 3.8x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.51 | 8.46 | 7.96 | 8.42 | 9.38 | 9.60 | 8.16 | 7.61 | 7.87 | 7.02 | 5.74 | 5.27 | 5.25 |
| — | -11.8% | -2.4% | +10.6% | +19.2% | +36.6% | +42.0% | +44.5% | +49.8% | +2.0% | -15.5% | -42.1% | -50.7% | |
| P/S Ratio | 2.42 | 2.28 | 2.19 | 2.27 | 2.37 | 2.28 | 2.04 | 1.96 | 2.03 | 2.04 | 1.71 | 1.65 | 1.85 |
| — | -0.1% | +7.0% | +16.1% | +16.7% | +11.9% | +19.7% | +18.8% | +9.8% | -26.5% | -42.3% | -57.9% | -61.8% | |
| P/B Ratio | 1.61 | 1.49 | 1.47 | 1.51 | 1.45 | 1.52 | 1.45 | 1.41 | 1.51 | 1.45 | 1.31 | 1.20 | 1.22 |
| — | -1.9% | +1.6% | +6.7% | -4.1% | +4.9% | +10.6% | +18.1% | +23.7% | -16.2% | -19.0% | -30.6% | -34.6% | |
| P/FCF | 7.23 | 3.42 | 26.41 | 11.07 | 6.36 | 7.29 | 4.87 | 9.95 | 6.24 | — | 3.72 | 3.21 | 3.79 |
| — | -53.1% | +442.3% | +11.3% | +1.9% | — | +30.8% | +210.5% | +64.4% | — | -29.6% | -62.6% | -56.2% | |
| EV / EBITDA | 4.13 | 3.82 | 3.53 | 3.85 | 2.28 | 3.26 | 2.52 | 1.54 | 1.61 | 1.41 | 0.21 | 0.42 | 1.18 |
| — | +17.4% | +40.1% | +150.2% | +41.9% | +130.7% | +1076.6% | +268.8% | +35.9% | -38.9% | -89.3% | -85.1% | -44.5% | |
| EV / EBIT | 4.13 | 3.82 | 3.56 | 3.88 | 2.31 | 3.30 | 2.55 | 1.56 | 1.63 | 1.42 | 0.22 | 0.42 | 1.19 |
| — | +16.0% | +39.7% | +149.6% | +41.9% | +131.4% | +1079.5% | +270.4% | +36.4% | -38.9% | -89.3% | -85.1% | -44.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Preferred Bank's operating margin was 38.2% in Q4 2025, down 0.8 pp QoQ and up 4.8 pp YoY.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 55.0% | 54.4% | 55.5% | 55.6% | 55.6% | 53.9% | 52.0% | 51.3% | 51.8% | 52.3% | 56.4% | 60.8% | 66.8% |
| — | +0.9% | +6.8% | +8.4% | +7.4% | +3.1% | -7.7% | -15.7% | -22.4% | -28.7% | -31.5% | -29.4% | -27.2% | |
| Operating Margin | 38.0% | 38.2% | 39.1% | 37.5% | 35.9% | 33.4% | 35.4% | 36.2% | 36.4% | 40.5% | 41.6% | 43.7% | 49.3% |
| — | +14.2% | +10.4% | +3.6% | -1.2% | -17.4% | -14.9% | -17.1% | -26.2% | -27.5% | -31.4% | -27.0% | -22.4% | |
| Net Margin | 26.8% | 26.9% | 27.5% | 26.4% | 25.3% | 23.7% | 25.1% | 25.7% | 25.8% | 29.0% | 29.7% | 31.2% | 35.2% |
| — | +13.4% | +9.6% | +2.9% | -1.9% | -18.0% | -15.5% | -17.7% | -26.7% | -28.0% | -31.9% | -27.5% | -22.4% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 17.2% | 4.4% | 4.7% | 4.3% | 3.9% | 4.0% | 4.5% | 4.7% | 4.8% | 5.2% | 5.7% | 5.7% | 5.9% |
| — | +11.4% | +4.1% | -8.9% | -18.8% | -23.9% | -20.5% | -17.5% | -18.9% | -19.0% | -4.2% | +21.0% | +34.4% | |
| ROA | 1.8% | 0.5% | 0.5% | 0.5% | 0.4% | 0.4% | 0.5% | 0.5% | 0.5% | 0.5% | 0.6% | 0.6% | 0.6% |
| — | +5.5% | +0.1% | -7.5% | -14.2% | -18.8% | -15.3% | -14.5% | -15.6% | -13.3% | +2.2% | +27.4% | +38.4% | |
| ROIC | 13.5% | 3.2% | 3.4% | 3.4% | 3.4% | 3.4% | 3.9% | 4.0% | 4.1% | 4.4% | 4.4% | 4.1% | 4.5% |
| — | -7.6% | -13.4% | -16.4% | -16.8% | -22.1% | -11.6% | -0.5% | -9.2% | -16.3% | -8.9% | +5.8% | +25.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Preferred Bank's Debt/EBITDA ratio is 7.8x, up from 7.4x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 110678.5% YoY to 149.60x, strengthening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.49 | 0.49 | 0.49 | 0.50 | 0.22 | 0.22 | 0.23 | 0.23 | 0.24 | 0.24 | 0.25 | 0.48 | 0.49 |
| — | +124.2% | +109.7% | +114.6% | -8.0% | -10.3% | -6.0% | -51.3% | -50.4% | -9.8% | -13.5% | +66.6% | +70.5% | |
| Debt / EBITDA | 2.02 | 7.77 | 7.39 | 7.90 | 4.00 | 3.84 | 3.68 | 3.50 | 3.53 | 3.32 | 3.09 | 5.95 | 5.95 |
| — | +102.3% | +100.6% | +125.9% | +13.3% | +15.6% | +19.1% | -41.2% | -40.6% | +8.9% | -10.0% | +39.0% | +29.2% | |
| Current Ratio | 149.60 | 149.60 | 0.13 | 0.13 | 0.15 | 0.14 | 0.20 | 0.22 | 0.22 | 0.22 | 0.24 | 0.25 | 0.23 |
| — | +110678.5% | -31.8% | -37.7% | -30.3% | -37.7% | -18.2% | -14.5% | -5.1% | +0.5% | +16.4% | +17.0% | -12.4% | |
| Quick Ratio | 149.60 | 149.60 | 0.13 | 0.13 | 0.15 | 0.14 | 0.20 | 0.22 | 0.22 | 0.22 | 0.24 | 0.25 | 0.23 |
| — | +110678.5% | -31.8% | -37.7% | -30.3% | -37.7% | -18.2% | -14.5% | -5.1% | +0.5% | +16.4% | +17.0% | -12.4% | |
| Interest Coverage | 0.88 | 0.90 | 0.92 | 0.87 | 0.82 | 0.75 | 0.78 | 0.77 | 0.81 | 0.90 | 1.02 | 1.18 | 1.51 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
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 9.5x. The average P/E over the last 4 quarters is 8.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Preferred Bank's current operating margin is 38.0%. Margins have been expanding 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.