Here's What Key Metrics Tell Us About Preferred Bank (PFBC) Q2 Earnings

Core Insights - Preferred Bank (PFBC) reported revenue of $70.65 million for the quarter ended June 2025, marking a year-over-year increase of 1.6% and exceeding the Zacks Consensus Estimate of $70.15 million by +0.71% [1] - The earnings per share (EPS) for the same period was $2.52, compared to $2.48 a year ago, with an EPS surprise of +3.7% against the consensus estimate of $2.43 [1] Financial Performance Metrics - Efficiency Ratio was reported at 31.8%, slightly higher than the estimated 31.3% by analysts [4] - Net Interest Margin stood at 3.9%, surpassing the average estimate of 3.8% [4] - Net charge-offs to average loans were 0%, significantly better than the estimated 0.3% [4] - Average Interest-Earning Assets were reported at $6.98 billion, matching the estimate [4] - Total noninterest income was $3.77 million, slightly above the estimated $3.73 million [4] - Net interest income before provision for credit losses was $66.87 million, exceeding the average estimate of $66.39 million [4] Stock Performance - Shares of Preferred Bank have returned +13.8% over the past month, outperforming the Zacks S&P 500 composite's +5.4% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]