Preferred Bank (NASDAQ:PFBC) Q4 2025 Earnings Call Transcript

$PFBC Beats Q4 2025 Earnings Expectations! EPS $2.79 vs $2.78 Est
#PFBC #EarningsWin #BankingNews

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📉 $PFBC traced out a Head & Shoulders on the 3-month chart.

Left shoulder → head → right shoulder
Support failed on the retest
Structure tilted bearish

No thesis — just price reacting to structure.

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Preferred Bank Reports Fourth Quarter Results Preferred Bank (NASDAQ: PFBC) reported fourth-quarter 2025 net income of $34.8M or $2.79 per diluted share and full-year net income of $133.6M or $10.41 per diluted share. Return on average assets was 1.82% and return on average equity was 17.59%. Net interest margin contracted to 3.74% as market rates declined; net interest income before provision was $70.0M for the quarter. Total loans and deposits rose year-over-year to $6.05B and $6.35B, respectively. Provision for credit losses was $4.3M and allowance coverage was 1.30% of loans. The quarter included a $3.6M gain on sale of OREO and an efficiency ratio of 31.2%. A conference call and webcast were scheduled for January 22, 2026 at 2:00 p.m. ET.

#PFBC Preferred Bank Reports Fourth Quarter Results

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Preferred Bank Reports Record Third Quarter Results Preferred Bank (NASDAQ: PFBC), one of the larger independent California banks, today reported results for the quarter ended September 30, 2025. Preferred Bank (“the Bank”) reported net income of $35.9 million or $2.84 per diluted share for the third

#PFBC Preferred Bank Reports Record Third Quarter Results

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Preferred Bank's Profits Jump in Q2 After Stock Buybacks | The Motley Fool

#PFBC #fcbe9e4e-2ce6-4c78-a90a-5fe2d9b297ab #data-news

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#PFBC #d5634f04-5a82-438a-91a9-31b45d6027ff #earningscall-transcripts

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Preferred Bank Reports Second Quarter Results Preferred Bank (NASDAQ: PFBC) reported Q2 2025 net income of $32.8 million or $2.52 per diluted share, representing a $2.8 million increase from Q1 2025 but a slight decrease of $745,000 year-over-year. The Bank's performance showed notable improvements with net interest margin rising to 3.85% from 3.75% in Q1.Key metrics include total loans increasing by $105.2 million (1.9%) quarter-over-quarter, while credit quality improved with non-accrual loans decreasing to $51.2 million from $78.9 million in Q1. The Bank maintained strong capital ratios with a total capital ratio of 14.43% and achieved an efficiency ratio of 31.79%.Notable developments include a $200 million FHLB borrowing invested in U.S. Treasuries and a $1.3 million write-down of the Bank's Santa Barbara OREO property.

#PFBC Preferred Bank Reports Second Quarter Results

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Preferred Bank Doubles Down on Buybacks: Fresh $125M Plan After Completing $150M Program Preferred Bank completes $150M share repurchase at $70.13 per share, launches new $125M buyback amid strong profitability. Get full details on capital strategy.

#PFBC Preferred Bank Announces Stock Buyback

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Preferred Bank's Massive $150M Buyback Plan Gets Green Light: $65.7M Still Available Preferred Bank secures approval for remaining $65.7M share repurchase through 2025, following successful $84.3M buyback at $63.94 per share. Regional bank strengthens capital strategy.

#PFBC Preferred Bank Announces Approval to Continue Share Repurchase Plan

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Preferred Bank Q4 Earnings Drop on One-Time Lease Expense, Raises Dividend PFBC reports Q4 EPS of $2.25, impacted by $8.1M lease charge. Strong loan growth and improved credit metrics offset by margin pressure. Quarterly dividend increases to $0.75.

#PFBC Preferred Bank Reports Fourth Quarter and Annual Results

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