B+
Bull case
20%
Probability
Target price
$118.00
+13.0% vs current
PFBC
Preferred BankBNasdaq / Banks
Last Price
At close
2026-08-01
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most likely
B
Base case
50%
Probability
Target price
$110.00
+5.3% vs current
B-
Bear case
30%
Probability
Target price
$92.00
-11.9% vs current
AI sentiment snapshot
Latest data as of 2026-07-27
Recent news sentiment (30D)
+12.7
Positive
Company
-
Unavailable
Macro
+15.8
Positive
Pulse
-36.0
Negative
Sentiment proxy
+46.2
Score
AI commentary
Post-print tone is mixed-positive: available third-party consensus data shows EPS of $2.78 versus $2.65 expected, while revenue was approximately in line. PFBC closed at $102.96 on July 24 after a $101.38 close on July 23, indicating a modest positive reaction. Stephens listed a Q2 recap with a $110 target on July 23, reportedly raised from $100, but analyst coverage is thin and the packet provides no target count or broader estimate-revision set. Social, options, short-interest, and employee data were not present in the packet, so those sentiment fields are not decision-grade.
RankAlpha Sentiment Codex - 2026-07-27
Open post-earnings memoEvidence flagged
later post-earnings follow-up lacks concrete company-source and analyst/market reaction evidence
Impact
tentative
Confidence
-
AI events
2026-07-22eventQ2 earnings beat with stronger loan growthMedium impact
Preferred Bank reported Q2 net income of $33.5 million, or $2.78 diluted EPS, with loans up $124.8 million and deposits up 0.8% linked quarter. EPS exceeded available consensus of $2.65, while revenue was approximately in line. The official company release also noted that NIM benefited from $2.9 million of interest recoveries. [#PR-2026-07-22]
2026-10-25catalystNIM normalization and deposit-cost pressureMedium impact
The stored earnings-call summary, which is secondary context rather than an official company release, reports that management expects Q3 NIM to reset to the mid-3.50s as interest recoveries normalize. It also cites approximately $1.5 billion of Q3 CD maturities, likely at slightly higher renewal rates, stiff deposit competition, and cautious second-half loan-growth expectations. [#PR-EARNINGS-2026-07-23]
2027-07-27catalystCredit-quality improvement and lower reserve burdenMedium impact
Non-performing loans fell $70.2 million, classified assets declined to $103.8 million, and provision expense was $1.2 million. Continued resolution of troubled assets could support credit costs and earnings, but part of the improvement came from loan sales, payoffs, and an accrual-status upgrade rather than purely broad-based underwriting improvement. [#PR-2026-07-22]
Recommendation
N/A
No formal recommendation provided.
As of 2026-07-27 • Updated nightlySource: Internal modelMethodology