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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.
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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.

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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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