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Preferred Bank (PFBC) investor relations material
Preferred Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Achieved record Q3 2025 net income of $35.9 million ($2.84 per share), with sequential and year-over-year growth driven by higher net interest income and lower interest expense.
Credit quality improved as nonperforming loans dropped from $52 million to $17 million, mainly due to foreclosure and sale of a large OREO asset.
Loan growth of 2.3% ($133 million) and deposit growth of 2.5% ($151 million) in Q3, reflecting cautious optimism among customers.
Repurchased $6.3 million of shares in Q3 and an additional $11.2 million in October due to price softness.
Commercial bank with $7.5 billion in assets, focused on small/medium businesses and high net worth individuals, especially in ethnic Chinese and East Asian markets, operating 16 branches across California, New York, and Texas.
Financial highlights
Q3 2025 EPS: $2.84; Net income: $35.9 million; ROA: 1.93%; ROE: 18.64%; NIM: 3.92%.
Loan growth: 2.3% ($133 million); Deposit growth: 2.5% ($151 million); total loans at $5.87 billion, deposits at $6.23 billion as of Q3 2025.
Efficiency ratio improved to 28.7% in Q3 2025, ranking among the top nationally.
Tangible book value per share reached $60.19 as of June 30, 2025, with a 13.02% CAGR over nine years.
Annual dividend of $3.00 per share, current yield 3.23%.
Outlook and guidance
Expecting reasonable loan growth in Q4 2025, potentially matching Q3 levels, with optimism for further growth if rate cuts continue.
Margin expected to remain stable in Q4, benefiting from CDs rolling off at higher rates and being replaced at lower rates.
OREO gain in Q4 estimated at $3–4 million.
Balance sheet has shifted to a more matched asset-liability profile to navigate a declining or sideways rate environment.
Noninterest expense expected to run $22–22.5 million per quarter, with gradual increases into 2026.
Loan portfolio floor impact on NIM?
Loan growth drivers and competitive dynamics
Future noninterest expense and deposit strategy
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Next Preferred Bank earnings date
Q4 202527 Jan, 2026
Next Preferred Bank earnings date
Q4 202527 Jan, 2026
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Frequently asked questions
Preferred Bank is a commercial bank that provides a range of banking services including commercial and real estate lending, deposits, and treasury management. The bank serves middle-market businesses, professionals, and entrepreneurs, primarily in California. The company is headquartered in Los Angeles, California, and its shares are listed on the NASDAQ.
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