Preferred Bank(US:PFBC) ZACKS·2025-10-15 14:18Core Insights - Preferred Bank (PFBC) is expected to report quarterly earnings of $2.57 per share, reflecting a year-over-year increase of 4.5% [1] - Anticipated revenues for the quarter are projected at $72.3 million, showing no change compared to the same quarter last year [1] Earnings Projections - There have been no revisions in the consensus EPS estimate over the last 30 days, indicating stability in analysts' forecasts [2] - Changes in earnings projections are crucial for predicting investor reactions, with empirical studies showing a strong link between earnings estimate trends and short-term stock price movements [3] Key Metrics Forecast - Analysts estimate a 'Net Interest Margin' of 3.8%, down from 4.1% in the same quarter last year [5] - The 'Efficiency Ratio' is expected to be 30.3%, slightly improved from 30.6% year-over-year [5] - 'Total non-performing loans' are projected to reach $37.12 million, significantly higher than the $19.36 million reported in the previous year [5] Asset and Income Estimates - The estimated 'Average Interest-Earning Assets' is $7.19 billion, up from $6.68 billion in the same quarter last year [6] - Analysts predict 'Total non-performing assets' will likely be $49.68 million, compared to $34.44 million in the same quarter last year [6] - The consensus estimate for 'Net interest income before provision for credit losses' is $68.92 million, slightly up from $68.85 million year-over-year [7] - 'Total noninterest income' is expected to be $3.60 million, compared to $3.46 million in the same quarter last year [7] Market Performance - Shares of Preferred Bank have decreased by 1.9% over the past month, contrasting with a 1% increase in the Zacks S&P 500 composite [7] - With a Zacks Rank 4 (Sell), PFBC is anticipated to underperform the overall market in the near future [7]