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PFBC

Preferred BankB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q3 diluted EPS of $2.73 modestly exceeded the $2.69 consensus cited by AP. A completed par-value loan sale, conversion of the stronger Q4 pipeline and resilient underlying margin could support a recovery.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.1.
What can break
A stronger loan pipeline is management's expectation, not booked Q4 growth. Preferred Bank Q3 release
Momentum
67
Value
63
Sentiment
58
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $110.00 · Bull $125.00 · Bear $88.00Analysis 2026-10-28; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-30 • Vendor: Data Vendor v1
Scores
As of 2026-10-30 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-28 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-30

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-30. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $117.50
Why
Momentum67 · Δ7d -0.9
Value63 · Δ7d -0.1
Sentiment58 · Δ7d +7.2
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -0.1.

Contradictions & invalidation

  • • A stronger loan pipeline is management's expectation, not booked Q4 growth. Preferred Bank Q3 release
  • • Management expects intense deposit competition into 2027 and said court proceedings have slowed some credit resolutions. [#EARNINGS-TRANSCRIPT-2026Q3] Preferred Bank Q3 release
  • • Revenue net of interest expense of $71.7 million missed the $73 million estimate cited by AP.

Catalyst clock

2026-10-31

Pending sale of a $56.7 million problem loan

Lead driver: Value · See fundamentals
Momentum
67
8% active weight
Current posture
7d trendImproving
Δ7d
-0.9
Δ21d
-4.0
Value
63
47% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
-8.8
Sentiment
58
45% active weight
Current posture
7d trendImproving
Δ7d
+7.2
Δ21d
-2.6
Why this grade

Composite grade B. Momentum 67.4 / Value 62.8 / Sentiment 57.8

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-28. Scenario method

B+
Bull case
25%
Probability
Target price
$125.00
Analysis reference price unavailable
Analysis 2026-10-28 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$110.00
Analysis reference price unavailable
Analysis 2026-10-28 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$88.00
Analysis reference price unavailable
Analysis 2026-10-28 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-30
Market Cap
$1.25B
Beta
0.65
Shares Out
11.85M
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 2026-10-30 • Updated nightlySource: Internal modelMethods & Data