B+
Bull case
20%
Probability
Target price
$118.00
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
PFBC
Preferred BankCNasdaq / Banks
Last Price
Quote time unavailable
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most 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
The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented
AI sentiment snapshot
Latest data as of 2026-07-27
Recent news sentiment (30D)
+17.8
Positive
Company
-
Unavailable
Macro
+17.8
Positive
Pulse
-
Unavailable
Weekly research (10D)
+4.2
Mixed
Sentiment proxy
+61.1
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