Preferred Bank
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Preferred Bank's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 2/3Sales grew in 1 of the last 3 years; profit grew in 2 of 3.
Less steady than 71% of Financial Services companies in United States.
Growth Efficiency Ratio
$17Sales grew 11% in 3 years; of every extra $100 of sales, $17 became extra profit.
Lower than 59% of Financial Services companies in United States.
Asset Productivity Ratio
+11% / +18%In 3 years sales changed by +11% while total assets changed by +18%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Preferred Bank owes $0.90 for every $1 it owns. Net profit rose 2% in the year to Dec 2025, and grew 1% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
10.1Investors pay $10.1 for every $1 of Preferred Bank's yearly profit, lower than 78% of Financial Services companies in United States.
P/B ratio
1.67The share price is 1.67 times Preferred Bank's book value per share, higher than 73% of Financial Services companies in United States.
Market cap
$1.3 BThe total market value of all of Preferred Bank's shares at today's price (share price × number of shares), larger than 60% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$770 MWhat Preferred Bank would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (31 Mar 2026).
Book value per share
$64.98Net worth divided by the number of shares. The share price of $108.62 is 1.7 times this, which is the P/B above.
Return on equity (ROE)
17.6%Preferred Bank earned 17.6% on its shareholders' money over the last year, higher than 82% of Financial Services companies in United States.
Owes vs Owns
0.90×Preferred Bank owes $0.90 for every $1 it owns (high), higher than 80% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
3.03%Preferred Bank pays 3.03% of its share price as dividends a year, higher than 54% of dividend-paying Financial Services companies in United States.
Revenue growth
-0%Revenue fell 0% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Profit growth
+2%Net profit rose 2% in the year to Dec 2025, and grew 1% a year on average over 3 years.
Profit margin
47.2%Preferred Bank keeps $47 of every $100 of revenue as net profit.
Questions
What is Preferred Bank's P/E ratio?
Investors pay $10.1 for every $1 of Preferred Bank's yearly profit, lower than 78% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Preferred Bank: $1.3 B ÷ $770 M (31 Mar 2026) = 1.7.
What is Preferred Bank's return on equity?
Preferred Bank earned 17.6% on its shareholders' money over the last year, higher than 82% of Financial Services companies in United States.
How much does Preferred Bank owe compared with what it owns?
Preferred Bank owes $0.90 for every $1 it owns (high), higher than 80% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Preferred Bank pay a dividend?
Yes. Preferred Bank pays 3.03% of its share price as dividends a year, higher than 54% of dividend-paying Financial Services companies in United States.
Is Preferred Bank's revenue growing?
Revenue fell 0% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.