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Preferred Bank is a banks-regional business based in the US. Preferred Bank shares (PFBC) are listed on the NASDAQ and all prices are listed in US Dollars.
|52-week range||USD$19.4099 - USD$54.7334|
|50-day moving average||USD$51.3606|
|200-day moving average||USD$41.2989|
|Wall St. target price||USD$58.6|
|Dividend yield||USD$1.2 (2.17%)|
|Earnings per share (TTM)||USD$4.65|
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Valuing Preferred Bank stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Preferred Bank's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Preferred Bank's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 12x. In other words, Preferred Bank shares trade at around 12x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
Preferred Bank's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 1.83. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.
The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Preferred Bank's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.
|Revenue TTM||USD$154.2 million|
|Operating margin TTM||62.81%|
|Gross profit TTM||USD$154.2 million|
|Return on assets TTM||1.42%|
|Return on equity TTM||13.99%|
|Market capitalisation||USD$859 million|
TTM: trailing 12 months
There are currently 569,135 Preferred Bank shares held short by investors – that's known as Preferred Bank's "short interest". This figure is 3.6% up from 549,337 last month.
There are a few different ways that this level of interest in shorting Preferred Bank shares can be evaluated.
Preferred Bank's "short interest ratio" (SIR) is the quantity of Preferred Bank shares currently shorted divided by the average quantity of Preferred Bank shares traded daily (recently around 71589.308176101). Preferred Bank's SIR currently stands at 7.95. In other words for every 100,000 Preferred Bank shares traded daily on the market, roughly 7950 shares are currently held short.
However Preferred Bank's short interest can also be evaluated against the total number of Preferred Bank shares, or, against the total number of tradable Preferred Bank shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Preferred Bank's short interest could be expressed as 0.04% of the outstanding shares (for every 100,000 Preferred Bank shares in existence, roughly 40 shares are currently held short) or 0.0427% of the tradable shares (for every 100,000 tradable Preferred Bank shares, roughly 43 shares are currently held short).
A SIR below 10% would generally be considered to indicate a fairly optimistic outlook for the share price, with fewer people currently willing to bet against Preferred Bank.
Find out more about how you can short Preferred Bank stock.
Dividend payout ratio: 25.75% of net profits
Recently Preferred Bank has paid out, on average, around 25.75% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 2.17% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Preferred Bank shareholders could enjoy a 2.17% return on their shares, in the form of dividend payments. In Preferred Bank's case, that would currently equate to about $1.2 per share.
While Preferred Bank's payout ratio might seem fairly standard, it's worth remembering that Preferred Bank may be investing much of the rest of its net profits in future growth.
Preferred Bank's most recent dividend payout was on 21 January 2021. The latest dividend was paid out to all shareholders who bought their shares by 6 January 2021 (the "ex-dividend date").
Preferred Bank's shares were split on a 1:5 basis on 20 June 2011. So if you had owned 5 shares the day before before the split, the next day you'd have owned 1 share. This wouldn't directly have changed the overall worth of your Preferred Bank shares – just the quantity. However, indirectly, the new 400% higher share price could have impacted the market appetite for Preferred Bank shares which in turn could have impacted Preferred Bank's share price.
Over the last 12 months, Preferred Bank's shares have ranged in value from as little as $19.4099 up to $54.7334. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Preferred Bank's is 1.4643. This would suggest that Preferred Bank's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).
Preferred Bank provides various commercial banking products and services to small and mid-sized businesses and their owners, entrepreneurs, real estate developers and investors, professionals, and high net worth individuals in the United States. 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; and commercial loans comprising lines of credit for working capital and term loans for capital expenditures, as well as equipment financing. In addition, the company offers trade finance services, including commercial and export letters of credit, import lines of credit, documentary collections, international wire transfers, export financing, bills purchase programs, and acceptances/trust receipt financing products, as well as standby letters of credit, and foreign exchange services for importers and exporters. Further, it provides various high-wealth banking services to wealthy individuals residing in the Pacific Rim area; and remote deposit capture, and online and mobile banking services. Additionally, the company offers various banking services to physicians, accountants, attorneys, business managers, and other professionals; and safe deposit boxes, account reconciliation, courier service, and cash management services to the manufacturing, service, and distribution companies. As of December 31, 2019, it had thirteen full-service branch offices in Alhambra, Arcadia, Century City, City of Industry, Diamond Bar, Los Angeles, Pico Rivera, San Francisco, Tarzana, Torrance, and Irvine, California; and Flushing, New York. The company was founded in 1991 and is headquartered in Los Angeles, California.
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