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Preferred Bank (PFBC) Stock Is Up, What You Need To Know

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What Happened?

Shares of commercial banking company Preferred Bank (NASDAQ: PFBC) jumped 3.9% in the morning session after the company reported third-quarter results that surpassed Wall Street expectations. The bank's earnings per share came in at $2.84, comfortably beating analyst estimates of $2.57. Revenue for the quarter was $74.98 million, also ahead of the consensus forecast, driven by stronger-than-expected net interest income. Additionally, the bank demonstrated strong cost control, with its efficiency ratio—a measure of a bank's overhead as a percentage of its revenue—improving to 28.7%, which was better than both analyst expectations and the same quarter last year.

After the initial pop the shares cooled down to $90.30, up 4.8% from previous close.

Is now the time to buy Preferred Bank? Access our full analysis report here.

What Is The Market Telling Us

Preferred Bank’s shares are not very volatile and have only had 6 moves greater than 5% over the last year. In that context, today’s move indicates the market considers this news meaningful, although it might not be something that would fundamentally change its perception of the business.

The previous big move we wrote about was 5 days ago when the stock dropped 4.6% on the news that disclosures from two lenders raised concerns about deteriorating loan quality across the industry. 

The drop was triggered by specific incidents that have spooked investors. Zions Bancorp announced a $50 million charge-off—a debt the bank doesn't expect to collect—on a single loan. Separately, Western Alliance Bancorp revealed it was dealing with a borrower who had failed to provide proper collateral. These events are compounding existing anxieties about the regional banking sector, which is already under pressure from elevated interest rates and declining commercial real estate values. The news heightened investor concerns that more cracks could appear in borrowers' creditworthiness, potentially leading to increased loan losses and reduced profitability for other banks in the sector.

Preferred Bank is up 5.6% since the beginning of the year, and at $90.30 per share, it is trading close to its 52-week high of $97.01 from July 2025. Investors who bought $1,000 worth of Preferred Bank’s shares 5 years ago would now be looking at an investment worth $2,625.

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