PFBC
Preferred BankBNasdaq / Banks
Last Price
At close
2026-08-01
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
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta -4.0.
What can break
Approximately $1.5 billion of Q3 CD maturities may renew at higher rates, pressuring funding costs.
Momentum
50
Value
62
Sentiment
51
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $110.00 · Bull $118.00 · Bear $92.00
Data freshness
Prices
As of 2026-08-01
Fundamentals
As of 2026-07-31 • Vendor: Data Vendor v1
Scores
As of 2026-08-01 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-27 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-08-01
Investment thesis
As of 2026-08-01
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $111.50
Why
Momentum50 · Δ7d -1.1
Value62 · Δ7d +0.1
Sentiment51 · Δ7d -4.0
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Sentiment · See AI snapshot
Momentum
50
10% active weight
Current posture
7d trendImproving
Δ7d
-1.1
Δ21d
-4.6
Value
62
40% active weight
Current posture
7d trendFlat
Δ7d
+0.1
Δ21d
-7.4
Sentiment
51
49% active weight
Current posture
7d trendSoftening
Δ7d
-4.0
Δ21d
-
Why this grade
Composite grade B. Momentum 49.9 / Value 62.3 / Sentiment 51.5
Fundamentals (TTM)As of 2026-07-31
Fundamentals (TTM)
As of 2026-07-31
Market Cap
$1.4B
Beta
0.65
Shares Out
12.35M
P/E (TTM)
9.7
P/S (TTM)
4.17
P/FCF (TTM)
14.48
Rev YoY
+3.3%
EPS YoY
+13.5%
Gross Margin
-
Op Margin
+64.1%
Net Debt
-$423.29M
Current Ratio
0.29
As of 2026-08-01 • Updated nightlySource: Internal modelMethodology