For the quarter ended December 2025, Preferred Bank (PFBC Quick QuotePFBC - Free Report) reported revenue of $78.07 million, up 7.2% over the same period last year. EPS came in at $2.79, compared to $2.25 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $76.3 million, representing a surprise of +2.32%. The company delivered an EPS surprise of +0.45%, with the consensus EPS estimate being $2.78.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

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% compared to the 0.2% average estimate based on three analysts.
• Net Interest Margin: 3.7% versus the three-analyst average estimate of 3.8%.
• Efficiency Ratio: 31.2% versus the three-analyst average estimate of 29.2%.
• Average Interest - Earning Assets: $7.44 billion compared to the $7.39 billion average estimate based on two analysts.
• Net interest income before provision for credit losses: $69.98 million compared to the $70.99 million average estimate based on three analysts.
• Total noninterest income: $4.35 million compared to the $4.65 million average estimate based on three analysts.

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

Shares of Preferred Bank have returned -0.2% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.