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Preferred Bank (PFBC) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates
Preferred BankPreferred Bank(US:PFBC) ZACKSยท2025-04-25 15:00

Core Insights - Preferred Bank reported revenue of $66.66 million for Q1 2025, a year-over-year decline of 6.9% and below the Zacks Consensus Estimate of $70.45 million, resulting in a surprise of -5.39% [1] - The EPS for the same quarter was $2.23, down from $2.44 a year ago, with an EPS surprise of -4.29% compared to the consensus estimate of $2.33 [1] Financial Performance Metrics - Efficiency Ratio stood at 35.1%, higher than the average estimate of 31.8% based on three analysts [4] - Net Interest Margin was reported at 3.8%, below the average estimate of 4.3% from three analysts [4] - Net charge-offs to average loans were 0%, better than the average estimate of 0.2% from two analysts [4] - Average Interest-Earning Assets totaled $6.78 billion, slightly below the average estimate of $6.86 billion from two analysts [4] - Net interest income before provision for credit losses was $62.66 million, compared to the average estimate of $66.64 million from three analysts [4] - Total noninterest income was $4 million, exceeding the average estimate of $3.28 million from three analysts [4] Stock Performance - Preferred Bank's shares returned +0.6% over the past month, outperforming the Zacks S&P 500 composite, which declined by -4.8% [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]