)
Visual22 Oct 2025
Epiroc's cash spent on M&A
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
Record Q3 2025 net income of $35.9 million ($2.84 per share), up $3.1 million sequentially, driven by higher net interest income and lower interest expense.
Credit quality improved as nonperforming loans dropped from $52.3 million to $17.6 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.
Net interest income and margin improved sequentially; efficiency ratio now below 30%.
Repurchased $6.3 million of shares in Q3 and an additional $11.2 million in October due to price softness.
Financial highlights
Q3 2025 EPS: $2.84; Net income: $35.9 million.
Net interest income before provision: $71.3 million, up $4.4 million from Q2.
Net interest margin expanded to 3.92% from 3.85% last quarter.
Noninterest expense was $21.5 million, down from $22.4 million in Q2.
Efficiency ratio improved to 28.7% from 31.8% last quarter.
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.
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
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Preferred Bank earnings date
Q4 202527 Jan, 2026
Next Preferred Bank earnings date
Q4 202527 Jan, 2026
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage