PFBC PEER ANALYSIS

Preferred Bank — metric-by-metric comparison with peers and the industry median

PFBCPreferred Bank

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

PFBCIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	PFBC	LB	SKBNK	LLOY	KLNMA	NWG	Ind. Median
P/E	9.41	116.87	21.65	12.85	9.99	8.74●	12.58
P/B	1.65	0.69●	3.43	1.35	2.73	1.34	1.26
EV/EBITDA	4.38	306.47	2.98	14.45	7.04	-8.72●	9.12
P/S	—	—	—	—	—	—	—

Financial Health
Metric	PFBC	LB	SKBNK	LLOY	KLNMA	NWG	Ind. Median
Current Ratio	183.04●	0.01	—	0.12	—	0.25	0.31
Debt/Equity	49.7%	744.5%	0.0%●	209.8%	0.0%●	17.0%	38.0%
NetDebt/EBITDA	-2.18	280.57	-13.41	5.39	-0.00	-14.68●	-0.58

Profitability
Metric	PFBC	LB	SKBNK	LLOY	KLNMA	NWG	Ind. Median
Net Margin	26.7%	1.4%	14.2%	25.9%	58.1%●	20.1%	20.6%
ROE	17.4%	1.0%	17.5%	10.6%	34.1%●	14.9%	10.9%
ROA	1.8%	0.1%	1.2%	0.5%	5.4%●	0.8%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	PFBC	LB	SKBNK	LLOY	KLNMA	NWG	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	5.9%	-80.9%	8.1%	16.2%	42.3%●	16.0%	19.4%
Div. Yield	2.9%	4.7%	—	3.2%	—	4.8%●	2.5%
Payout	28.3%	335.1%	—	—	—	—	31.4%

Valuation
Metric	PFBC	CTBI	TMP	PEBO	AMAL	UVSP	Ind. Median
P/E	9.41	12.42	7.79●	12.01	12.98	12.77	12.58
P/B	1.65	1.47	1.38	1.10●	1.68	1.28	1.26
EV/EBITDA	4.38●	8.04	7.46	14.95	9.78	10.55	9.12
P/S	—	—	—	—	—	—	—

Financial Health
Metric	PFBC	CTBI	TMP	PEBO	AMAL	UVSP	Ind. Median
Current Ratio	183.04●	1.88	0.58	0.22	—	0.03	0.31
Debt/Equity	49.7%	43.5%	60.0%	56.8%	10.0%●	34.4%	38.0%
NetDebt/EBITDA	-2.18●	-1.12	2.06	4.51	0.48	0.76	-0.58

Profitability
Metric	PFBC	CTBI	TMP	PEBO	AMAL	UVSP	Ind. Median
Net Margin	26.7%	24.9%	28.9%●	18.6%	22.4%	18.3%	20.6%
ROE	17.4%	12.5%	19.8%●	9.5%	13.6%	10.3%	10.9%
ROA	1.8%	1.6%	2.0%●	1.2%	1.2%	1.2%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	PFBC	CTBI	TMP	PEBO	AMAL	UVSP	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	5.9%	19.9%	127.4%●	-0.5%	0.4%	22.3%	19.4%
Div. Yield	2.9%	2.8%	2.7%	4.2%●	1.3%	2.0%	2.5%
Payout	28.3%	35.9%	22.0%	52.2%	17.4%	26.7%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 8, 26. This content is for informational purposes only and is not investment advice.