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Preferred Bank (PFBC) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates

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For the quarter ended September 2026, Preferred Bank (PFBC - Free Report) reported revenue of $71.7 million, down 4.4% over the same period last year. EPS came in at $2.73, compared to $2.84 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $73.01 million, representing a surprise of -1.78%. The company delivered an EPS surprise of +1.49%, with the consensus EPS estimate being $2.69.

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.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

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:
  • Efficiency Ratio: 30.9% compared to the 32.4% average estimate based on six analysts.
  • Net Interest Margin: 3.5% versus 3.6% estimated by six analysts on average.
  • Net charge-offs to average loans: 0% versus the five-analyst average estimate of 0.2%.
  • Average Interest - Earning Assets: $7.59 billion versus the three-analyst average estimate of $7.69 billion.
  • Tier 1 risk-based capital ratio: 11.3% versus the two-analyst average estimate of 11.2%.
  • Total risk-based capital ratio: 13.9% versus the two-analyst average estimate of 14%.
  • Tier 1 leverage capital ratio: 10.8% compared to the 10.7% average estimate based on two analysts.
  • Total noninterest income: $4.99 million compared to the $4.13 million average estimate based on six analysts.
  • Net interest income before provision for credit losses: $66.71 million versus $68.87 million estimated by six analysts on average.
  • Fees and service charges on deposit accounts: $0.56 million versus $0.58 million estimated by three analysts on average.
  • BOLI income: $0.11 million compared to the $0.11 million average estimate based on three analysts.
  • Letters of credit fee income: $3.17 million compared to the $2.74 million average estimate based on three analysts.

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

Shares of Preferred Bank have remained unchanged over the past month versus the Zacks S&P 500 composite's -1.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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