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Preferred Bank (PFBC) Fair Value & Analysis

Financial Services · US · Market cap $1.2B

Price$103.94
Fair Value$146.70
Upside+41.1%
Quality95/100
Evidence: High Range $110.03 – $183.38

Fair value as of: Jun 25, 2026

Analysis

Preferred Bank (PFBC) currently trades at $103.94, while our model-based Fair Value estimate is $146.70 — implying the stock looks roughly 41.1% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Preferred Bank provides various banking products and services to small and mid-sized businesses, entrepreneurs, real estate developers, professionals, and high net worth individuals. The company accepts checking, savings, and money market deposit accounts; fixed-rate and fixed maturity retail, and non-retail certificates of deposit; and individual retirement accounts. It also provides real estate mortgage loans that are secured by retail, industrial, office, special purpose, and residential single and multi-family properties; real estate construction loans; commercial loans, including lines of credit for working capital, term loans for capital expenditures, and commercial and stand-by letters of credit; and small business administration loans for business purposes, such as owner-occupied commercial real estate, business acquisitions, start-ups, franchise financing, working capital, improvements and renovations, inventory and equipment, and debt-refinancing. In addition, the company …

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Frequently asked questions

Is Preferred Bank (PFBC) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $146.70 versus a price of $103.94 — about +41% (undervalued). Model-based estimate, not financial advice.
What is the fair value of PFBC?
Our 21-model fair value for Preferred Bank is $146.70 (as of Jun 25, 2026), built from audited fundamentals. The current price is $103.94.
What is the quality score of PFBC?
Preferred Bank has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.