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PFBC

Preferred BankC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q2 delivered an EPS beat, solid loan production, lower non-performing loans, lower provision expense, and a 32.3% efficiency ratio. If core net interest income remains resilient and credit cleanup continues, earnings could support modest upside toward the available $111.50 median target.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta -9.1.
What can break
Approximately $1.5 billion of Q3 CD maturities may renew at higher rates, pressuring funding costs.
Momentum
48
Value
62
Sentiment
61
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $110.00 · Bull $118.00 · Bear $92.00Analysis 2026-07-27; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-16 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-27 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-16

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-16. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $111.50
Why
Momentum48 · Δ7d +12.7
Value62 · Δ7d 0.0
Sentiment61 · Δ7d -9.1
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta -9.1.

Contradictions & invalidation

  • • Approximately $1.5 billion of Q3 CD maturities may renew at higher rates, pressuring funding costs.
  • • Credit improvement may not fully persist because the quarter's NPL reduction included loan sales, payoffs, and an accrual-status upgrade.
  • • Reported NIM was helped by one-time interest recoveries, while the stored call summary points to mid-3.50s Q3 NIM, higher CD renewal costs, deposit competition, and slower loan growth.

Catalyst clock

2026-07-22

Q2 earnings beat with stronger loan growth

Lead driver: Sentiment · See AI snapshot
Momentum
48
9% active weight
Current posture
7d trendImproving
Δ7d
+12.7
Δ21d
+8.5
Value
62
28% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
+0.0
Sentiment
61
62% active weight
Current posture
7d trendSoftening
Δ7d
-9.1
Δ21d
-6.6
Why this grade

Composite grade C. Momentum 47.7 / Value 62.1 / Sentiment 61.2

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-27. Scenario method

B+
Bull case
20%
Probability
Target price
$118.00
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$110.00
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$92.00
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$1.44B
Beta
0.65
Shares Out
12.35M
P/E (TTM)
9.7
P/S (TTM)
4.17
P/FCF (TTM)
14.48
Rev YoY
+0.0%
EPS YoY
+8.3%
Gross Margin
-
Op Margin
+38.3%
Net Debt
-$423.29M
Current Ratio
0.28
As of 2026-09-16 • Updated nightlySource: Internal modelMethods & Data