PFBC - Preferred Bank
Price:
--
--
|
CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$102.00
DETAILS
HIGH:
$111.00
LOW:
$93.00
MEDIAN:
$102.00
CONSENSUS:
$102.00
UPSIDE:
7.55%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||||||||||||
| Revenue | 499.0 | 520.4 | 481.8 | 301.4 | 218.8 | 220.3 | 233.0 | 204.0 | 162.9 | 127.5 | 99.1 | 85.1 | 72.9 | 56.4 | 48.2 | 42.0 | 65.4 | 90.9 | 115.7 | 93.3 | 22.0 | 42.8 | 0 | 25.4 |
| Cost of Revenue | 224.7 | 248.6 | 198.6 | 54.4 | 24.2 | 66.1 | 65.5 | 51.1 | 33.4 | 25.1 | 12.7 | 12.7 | 11.0 | 27.6 | 16.0 | 31.4 | 94.1 | 65.2 | 49.1 | 33.4 | 18.2 | 9.0 | 0 | 20.9 |
| Gross Profit | 274.3 | 271.9 | 283.1 | 247.1 | 194.6 | 154.2 | 167.4 | 152.9 | 129.5 | 102.4 | 86.4 | 72.4 | 62.0 | 28.9 | 32.2 | 10.6 | (28.7) | 25.7 | 66.6 | 59.9 | 3.9 | 33.8 | 0 | 4.5 |
| Operating Expenses | ||||||||||||||||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 66.8 | 54.9 | 52.1 | 49.4 | 43.2 | 40.1 | 41.5 | 37.0 | 32.3 | 28.1 | 22.7 | 19.6 | 17.8 | 14.0 | 12.6 | 11.0 | 9.1 | 10.2 | 12.3 | 12.7 | 10.3 | 10.0 | 0 | 0 |
| Other Expenses | 17.9 | 32.9 | 21.2 | 18.4 | 17.6 | 17.2 | 14.5 | 17.2 | 16.7 | 14.6 | 13.5 | 11.9 | 12.7 | 11.6 | 12.5 | 17.2 | 42.9 | 25.3 | 9.2 | 7.3 | (34.6) | 5.3 | 0 | (2.8) |
| Operating Expenses | 84.8 | 87.8 | 73.3 | 67.9 | 60.8 | 57.4 | 56.0 | 54.2 | 49.0 | 42.7 | 36.2 | 31.5 | 30.5 | 25.6 | 25.1 | 28.1 | 52.0 | 35.6 | 21.5 | 20.0 | (24.3) | 15.3 | 0 | (2.8) |
| Operating Income | ||||||||||||||||||||||||
| Operating Income | 189.5 | 184.0 | 210.6 | 179.2 | 133.8 | 96.9 | 111.4 | 98.7 | 80.5 | 59.7 | 50.2 | 40.8 | 31.5 | 3.3 | 7.2 | (17.5) | (80.7) | (9.9) | 45.1 | 39.9 | 28.2 | 18.5 | 0 | 7.3 |
| Interest Expense | 215.6 | 236.5 | 188.6 | 47.0 | 25.2 | 40.1 | 62.1 | 40.9 | 27.9 | 18.7 | 10.9 | 9.3 | 7.7 | 7.8 | 10.3 | 14.8 | 22.8 | 34.6 | 44.2 | 31.4 | 16.1 | 7.4 | 0 | 10.7 |
| Interest Income | 486.5 | 509.1 | 478.0 | 294.4 | 211.0 | 214.3 | 226.7 | 195.2 | 157.6 | 122.9 | 94.7 | 80.3 | 69.7 | 61.5 | 53.8 | 52.1 | 58.9 | 86.0 | 112.6 | 90.3 | 60.1 | 38.6 | 0 | 33.9 |
| Profitability | ||||||||||||||||||||||||
| EBITDA | 189.5 | 186.2 | 211.6 | 181.1 | 135.7 | 98.8 | 112.7 | 99.7 | 81.5 | 60.6 | 50.9 | 41.3 | 32.2 | 3.9 | 7.9 | (16.6) | (79.5) | (9.1) | 44.6 | 40.2 | 28.8 | 20.0 | 0 | 7.3 |
| EBIT | 189.5 | 184.0 | 209.9 | 179.2 | 133.8 | 96.9 | 111.4 | 98.7 | 80.5 | 59.7 | 50.2 | 40.8 | 31.5 | 3.3 | 7.2 | (17.5) | (80.7) | (9.9) | 45.1 | 39.9 | 28.2 | 18.5 | 0 | 7.3 |
| Income Before Tax | 189.5 | 184.0 | 209.9 | 179.2 | 133.8 | 96.9 | 111.4 | 98.7 | 80.5 | 59.7 | 50.2 | 40.8 | 31.5 | 3.3 | 7.2 | (17.5) | (80.7) | (9.9) | 45.1 | 39.9 | 28.2 | 18.5 | 0 | 7.3 |
| Income Tax Expense | 55.9 | 53.4 | 59.8 | 50.4 | 38.6 | 27.4 | 33.0 | 27.7 | 37.1 | 23.3 | 20.5 | 16.3 | 12.3 | (20.6) | (5.0) | (0.7) | (8.1) | (4.9) | 18.7 | 16.5 | 11.4 | 7.4 | 0 | 2.9 |
| Net Income | 133.6 | 130.7 | 150.0 | 128.8 | 95.2 | 69.5 | 78.4 | 71.0 | 43.4 | 36.4 | 29.7 | 24.6 | 19.2 | 23.9 | 12.2 | (16.8) | (72.5) | (5.0) | 26.5 | 23.4 | 16.8 | 11.2 | 2.8 | 4.4 |
| Per Share Data | ||||||||||||||||||||||||
| EPS (Basic) | 10.61 | 9.80 | 10.64 | 8.84 | 6.41 | 4.65 | 5.16 | 4.64 | 2.97 | 2.58 | 2.17 | 1.83 | 1.45 | 1.80 | 0.93 | -6.21 | -31.50 | -2.55 | 12.80 | 11.45 | 8.60 | 6.74 | 1.69 | 2.70 |
| EPS (Diluted) | 10.41 | 9.65 | 10.52 | 8.70 | 6.41 | 4.65 | 5.16 | 4.64 | 2.96 | 2.56 | 2.14 | 1.78 | 1.42 | 1.78 | 0.93 | -6.21 | -31.50 | -2.55 | 12.50 | 11.05 | 8.25 | 6.40 | 1.69 | 2.55 |
| Shares Outstanding | 12.6 | 13.3 | 14.1 | 14.6 | 14.9 | 14.9 | 15.1 | 15.1 | 14.4 | 13.9 | 13.5 | 13.3 | 13.1 | 13.1 | 13.0 | 6.8 | 3.1 | 2.0 | 2.1 | 2.0 | 2.0 | 1.7 | 1.6 | 1.6 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2009 | 2008 | 2004 | 2002 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||||||
| Cash & Cash Equivalents | 807.1 | 765.5 | 890.9 | 747.5 | 1,030.6 | 739.5 | 498.6 | 526.8 | 446.8 | 306.3 | 14.1 | 19.4 | 35.2 | 24.4 |
| Short-Term Investments | 20 | 0.0 | 313.8 | 428.3 | 451.9 | 239.7 | 240.6 | 182.4 | 188.2 | 199.8 | 0 | 0 | 0 | 0 |
| Net Receivables | 34.2 | 35.8 | 36.3 | 23.6 | 14.6 | 23.7 | 18.3 | 14.3 | 14.0 | 9.6 | 35.7 | 7.8 | 8.1 | 0 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 861.3 | 801.3 | 1,241.0 | 1,199.4 | 1,497.2 | 1,002.8 | 757.6 | 723.4 | 649.0 | 515.7 | 49.8 | 27.2 | 43.3 | 24.4 |
| Non-Current Assets | ||||||||||||||
| Property, Plant & Equipment | 38.6 | 21.6 | 31.7 | 30.7 | 32.5 | 27.9 | 29.3 | 7.5 | 5.7 | 5.3 | 6.3 | 7.2 | 1.4 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 6,639.7 | 5,989.2 | 5,270.9 | 5,080.0 | 4,431.7 | 4,036.5 | 3,747.5 | 3,351.8 | 2,952.0 | 2,549.4 | 1,115.5 | 1,308.5 | 771.5 | 0 |
| Other Non-Current Assets | 19.2 | 63.9 | 66.7 | 72.0 | 58.3 | 51.9 | 74.5 | 114.0 | 145.7 | 124.6 | 131.5 | 114.4 | 91.1 | 681.7 |
| Total Non-Current Assets | 6,739.9 | 6,122.2 | 5,418.3 | 5,225.9 | 4,549.1 | 4,140.8 | 3,870.9 | 3,493.0 | 3,120.8 | 2,705.9 | 1,257.0 | 1,456.0 | 864.0 | 681.7 |
| Total Assets | 7,601.2 | 6,923.4 | 6,659.3 | 6,425.4 | 6,046.3 | 5,143.6 | 4,628.5 | 4,216.4 | 3,769.9 | 3,221.6 | 1,306.8 | 1,483.2 | 907.3 | 706.1 |
| Current Liabilities | ||||||||||||||
| Account Payables | 16.5 | 16.5 | 16.1 | 2.6 | 0.7 | 1.2 | 3.3 | 6.8 | 3.8 | 3.2 | 2.9 | 5.4 | 0 | 0 |
| Short-Term Debt | 5.8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0 | 4.4 | 0 | 0 | 10 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0.4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | (16.5) | 5,916.8 | 5,709.3 | 5,557.0 | 5,225.5 | 4,442.5 | 3,982.9 | 3,639.7 | 3,262.7 | 2,763.7 | 1,160.4 | 1,257.3 | 801.5 | 614.9 |
| Total Current Liabilities | 5.8 | 5,933.4 | 5,725.5 | 5,559.6 | 5,226.2 | 4,443.7 | 3,986.6 | 3,646.5 | 3,266.5 | 2,774.5 | 1,163.4 | 1,262.8 | 811.5 | 614.9 |
| Non-Current Liabilities | ||||||||||||||
| Long-Term Debt | 348.7 | 148.5 | 148.2 | 148.0 | 147.8 | 99.3 | 99.2 | 100.4 | 105.4 | 125.4 | 49.0 | 58 | 5 | 0 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 6,427.9 | 61.5 | 70.7 | 66.4 | 62.7 | 56.5 | 52.1 | 52.9 | 42.9 | 23.7 | 9.1 | 25.0 | 13.9 | 31.3 |
| Total Non-Current Liabilities | 6,811.7 | 226.9 | 238.7 | 235.3 | 233.4 | 174.5 | 171.8 | 153.3 | 148.3 | 149.0 | 58.0 | 83.0 | 18.9 | 31.3 |
| Total Liabilities | 6,811.7 | 6,160.3 | 5,964.2 | 5,794.9 | 5,459.6 | 4,618.2 | 4,158.5 | 3,799.8 | 3,414.8 | 2,923.5 | 1,221.4 | 1,345.7 | 830.5 | 646.1 |
| Stockholders' Equity | ||||||||||||||
| Common Stock | 210.9 | 210.9 | 210.9 | 210.9 | 210.9 | 210.9 | 210.9 | 210.9 | 207.9 | 169.9 | 0 | 0 | 32.1 | 0 |
| Retained Earnings | 780.6 | 685.1 | 592.3 | 475.1 | 373.0 | 301.0 | 255.1 | 194.9 | 139.7 | 108.3 | 13.3 | 86.6 | 44.6 | 0 |
| Accumulated Other Comprehensive Income | (13.7) | (27.5) | (31.8) | (28.6) | 4.9 | 7.0 | 4.0 | (2.0) | 1.2 | (0.9) | (0.8) | (6.6) | 0.1 | 0 |
| Total Stockholders' Equity | 789.5 | 763.2 | 695.1 | 630.4 | 586.7 | 525.4 | 470.0 | 416.7 | 355.0 | 298.1 | 85.4 | 137.5 | 76.8 | 59.9 |
| Total Liabilities & Equity | 7,601.2 | 6,923.4 | 6,659.3 | 6,425.4 | 6,046.3 | 5,143.6 | 4,628.5 | 4,216.4 | 3,769.9 | 3,221.6 | 1,306.8 | 1,483.2 | 907.3 | 706.1 |
| Debt Metrics | ||||||||||||||
| Total Debt | 383.8 | 165.5 | 168.0 | 168.9 | 170.6 | 118.0 | 119.7 | 100.4 | 105.4 | 129.8 | 49.0 | 58 | 15 | 0 |
| Net Debt | (423.3) | (600.1) | (722.9) | (578.6) | (860.0) | (621.4) | (378.9) | (426.4) | (341.4) | (176.6) | 34.9 | 38.6 | (20.2) | (24.4) |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2005 | 2004 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||
| Net Income | 133.6 | 130.7 | 150.0 | 128.8 | 95.2 | 69.5 | 78.4 | 71.0 | 43.4 | 36.4 | 16.8 | 11.2 |
| Depreciation & Amortization | 1.7 | 2.2 | 1.7 | 1.9 | 1.9 | 1.9 | 1.3 | 1.0 | 1.0 | 0.9 | 0.6 | 1.5 |
| Stock-Based Compensation | 10.2 | 9.2 | 5.8 | 8.4 | 9.1 | 8.9 | 7.8 | 8.0 | 3.6 | 2.4 | 0 | 0 |
| Change in Working Capital | (0.7) | 7.4 | (1.0) | (3.0) | 13.3 | (2.8) | (7.4) | 7.8 | (8.9) | 7.9 | (5.7) | 4.3 |
| Other Non-Cash Items | 22.8 | 15.2 | 23.4 | 11.1 | 1.5 | 30.1 | 8.9 | 12.2 | 6.3 | 6.5 | 4.3 | 1.8 |
| Operating Cash Flow | 168.1 | 164.5 | 175.4 | 143.8 | 119.6 | 103.8 | 86.8 | 99.0 | 53.2 | 52.6 | 14.7 | 12.3 |
| Investing Activities | ||||||||||||
| Capital Expenditure | (1.4) | (0.9) | (2.4) | (0.4) | (0.6) | (1.5) | (6.1) | (2.8) | (1.4) | (0.6) | (1.0) | (0.8) |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | (8.4) | (10.4) | (14.0) | 0 | 0 | 0 | 0 |
| Purchases of Investments | (269.9) | (60.6) | (72.6) | (119.9) | (281.9) | (185.4) | (126.5) | (29.0) | (15.4) | (67.5) | (67.4) | (96.2) |
| Sales/Maturities of Investments | 47.0 | 23.2 | 167.0 | 83.0 | 50.3 | 181.4 | 66.4 | 16.3 | 23.9 | 25.6 | 60.8 | 85.3 |
| Other Investing Activities | (399.6) | (383.3) | (190.1) | (662.6) | (387.8) | (304.9) | (380.6) | (380.1) | (396.7) | (487.7) | (143.7) | (110.9) |
| Investing Cash Flow | (623.8) | (421.6) | (98.0) | (699.9) | (620.0) | (318.8) | (457.1) | (409.5) | (389.5) | (530.2) | (151.3) | (122.5) |
| Financing Activities | ||||||||||||
| Net Debt Issuance | 200 | 0 | 0 | 0 | 47.6 | 0 | (1.3) | (5.0) | (20) | 100.5 | 180.4 | 0 |
| Stock Repurchased | (93.1) | (38.2) | (55.2) | (33.3) | (17.7) | (2.4) | (20.5) | (1.3) | (14.1) | 0 | 0 | 0 |
| Dividends Paid | (38.3) | (37.5) | (31.1) | (25.1) | (21.4) | (17.9) | (18.3) | (15.6) | (11.0) | (8.4) | (4.1) | (3.3) |
| Other Financing Activities | 428.6 | 207.5 | 152.3 | 331.5 | 783.0 | 459.2 | 343.6 | 378.2 | 500.4 | 480.1 | 1.5 | 138.7 |
| Financing Cash Flow | 497.2 | 131.8 | 66.0 | 273.1 | 791.5 | 438.8 | 303.5 | 357.9 | 487.8 | 572.2 | 211.9 | 136.5 |
| Cash Position | ||||||||||||
| Net Change in Cash | 41.6 | (125.3) | 143.3 | (283.1) | 291.1 | 223.8 | (67.1) | 47.4 | 151.5 | 94.7 | 75.2 | 26.3 |
| Cash at Beginning | 785.5 | 910.9 | 767.5 | 1,050.6 | 759.5 | 535.6 | 602.8 | 555.3 | 403.8 | 309.2 | 108.2 | 82.0 |
| Cash at End | 827.1 | 785.5 | 910.9 | 767.5 | 1,050.6 | 759.5 | 535.6 | 602.8 | 555.3 | 403.8 | 183.4 | 108.2 |
| Free Cash Flow | 166.8 | 163.6 | 173.0 | 143.4 | 119.0 | 102.3 | 80.7 | 96.2 | 51.8 | 52.0 | 13.6 | 11.5 |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||||||||
| Revenue | 499.0 | 520.4 | 481.8 | 301.4 | 218.8 | 220.3 | 233.0 | 204.0 | 162.9 | 127.5 | 99.1 | 85.1 | 72.9 | 56.4 | 48.2 | 42.0 | 65.4 | 90.9 | 115.7 | 93.3 | 22.0 | 42.8 | 0 | 25.4 |
| Gross Profit | 274.3 | 271.9 | 283.1 | 247.1 | 194.6 | 154.2 | 167.4 | 152.9 | 129.5 | 102.4 | 86.4 | 72.4 | 62.0 | 28.9 | 32.2 | 10.6 | (28.7) | 25.7 | 66.6 | 59.9 | 3.9 | 33.8 | 0 | 4.5 |
| Operating Income | 189.5 | 184.0 | 210.6 | 179.2 | 133.8 | 96.9 | 111.4 | 98.7 | 80.5 | 59.7 | 50.2 | 40.8 | 31.5 | 3.3 | 7.2 | (17.5) | (80.7) | (9.9) | 45.1 | 39.9 | 28.2 | 18.5 | 0 | 7.3 |
| Net Income | 133.6 | 130.7 | 150.0 | 128.8 | 95.2 | 69.5 | 78.4 | 71.0 | 43.4 | 36.4 | 29.7 | 24.6 | 19.2 | 23.9 | 12.2 | (16.8) | (72.5) | (5.0) | 26.5 | 23.4 | 16.8 | 11.2 | 2.8 | 4.4 |
| EPS (Diluted) | 10.41 | 9.65 | 10.52 | 8.70 | 6.41 | 4.65 | 5.16 | 4.64 | 2.96 | 2.56 | 2.14 | 1.78 | 1.42 | 1.78 | 0.93 | -6.21 | -31.50 | -2.55 | 12.50 | 11.05 | 8.25 | 6.40 | 1.69 | 2.55 |
| Balance Sheet | ||||||||||||||||||||||||
| Cash & Equivalents | 807.1 | 765.5 | 890.9 | 747.5 | 1,030.6 | 739.5 | 498.6 | 526.8 | 446.8 | 306.3 | 14.1 | 19.4 | 35.2 | 24.4 | ||||||||||
| Total Assets | 7,601.2 | 6,923.4 | 6,659.3 | 6,425.4 | 6,046.3 | 5,143.6 | 4,628.5 | 4,216.4 | 3,769.9 | 3,221.6 | 1,306.8 | 1,483.2 | 907.3 | 706.1 | ||||||||||
| Total Debt | 383.8 | 165.5 | 168.0 | 168.9 | 170.6 | 118.0 | 119.7 | 100.4 | 105.4 | 129.8 | 49.0 | 58 | 15 | 0 | ||||||||||
| Stockholders' Equity | 789.5 | 763.2 | 695.1 | 630.4 | 586.7 | 525.4 | 470.0 | 416.7 | 355.0 | 298.1 | 85.4 | 137.5 | 76.8 | 59.9 | ||||||||||
| Cash Flow | ||||||||||||||||||||||||
| Operating Cash Flow | 168.1 | 164.5 | 175.4 | 143.8 | 119.6 | 103.8 | 86.8 | 99.0 | 53.2 | 52.6 | 14.7 | 12.3 | ||||||||||||
| Capital Expenditure | (1.4) | (0.9) | (2.4) | (0.4) | (0.6) | (1.5) | (6.1) | (2.8) | (1.4) | (0.6) | (1.0) | (0.8) | ||||||||||||
| Free Cash Flow | 166.8 | 163.6 | 173.0 | 143.4 | 119.0 | 102.3 | 80.7 | 96.2 | 51.8 | 52.0 | 13.6 | 11.5 | ||||||||||||