For the quarter ended September 2025, Preferred Bank (PFBC Quick QuotePFBC - Free Report) reported revenue of $74.98 million, up 3.7% over the same period last year. EPS came in at $2.84, compared to $2.46 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $72.3 million, representing a surprise of +3.7%. The company delivered an EPS surprise of +10.51%, with the consensus EPS estimate being $2.57.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Preferred Bank performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Net charge-offs to average loans: 0.1% versus the three-analyst average estimate of 0.3%.
• Net Interest Margin: 3.9% versus 3.8% estimated by three analysts on average.
• Efficiency Ratio: 28.7% versus 30.3% estimated by three analysts on average.
• Average Interest - Earning Assets: $7.23 billion compared to the $7.19 billion average estimate based on two analysts.
• Net interest income before provision for credit losses: $71.31 million versus the three-analyst average estimate of $68.92 million.
• Total noninterest income: $3.67 million versus the three-analyst average estimate of $3.62 million.

View all Key Company Metrics for Preferred Bank here>>>

Shares of Preferred Bank have returned -8.8% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.