Preferred Bank (PFBC) Financial Statements & Analysis

Preferred Bank (PFBC) Income Statement

Preferred Bank reported revenue of $499.04M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 75.7% from $283.96M a year earlier. Net income was $133.63M, up 2.3% year over year, a net margin of 26.8%. Gross margin was 55.0% and operating margin 38.0%. In the most recent quarter, Q3 fiscal 2026 (ended Sep 30, 2026), revenue was $69.70M, down 46.6% from the same quarter a year earlier.

Preferred Bank Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Preferred Bank income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	499.04	283.96	481.76	249.87	218.78	220.32	232.97	203.95	162.86
Cost of Revenue	224.74	248.57	198.61	54.37	24.16	66.11	65.53	51.07	33.40
Gross Profit	274.30	271.86	283.14	247.05	194.62	154.21	167.43	152.89	129.47
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	66.82	54.90	52.05	13.33	43.17	40.13	41.50	37.02	32.26
Operating Expenses	84.75	87.83	73.29	67.86	60.79	57.35	56.03	54.19	48.99
Operating Income	189.55	184.03	210.63	180.09	133.83	96.86	111.41	98.70	80.48
Other Income/Expense
Interest Income	486.46	509.10	477.99	294.38	211.04	214.26	226.72	195.17	157.60
Interest Expense	215.64	236.47	188.61	47.02	25.16	40.11	62.08	40.94	27.90
Other Income/Expense	0.00	0.00	-0.78	-0.90	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	189.55	184.03	209.85	179.20	133.83	96.86	111.41	98.70	80.48
Income Tax Expense	55.92	53.37	59.81	50.35	38.59	27.39	33.04	27.71	37.09
Net Income	133.63	130.66	150.04	128.84	95.24	69.47	78.37	70.99	43.39
Net Income - Continuous Operations	133.63	130.66	150.04	128.85	95.24	69.47	78.37	70.99	43.39
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	191.30	186.18	211.57	181.09	135.72	98.77	112.75	99.65	81.47
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	1.75	2.15	1.72	1.89	1.90	1.90	1.34	0.95	0.99
Earnings Per Share
Basic EPS	11.00	10.00	11.00	9.00	6.00	5.00	5.00	5.00	3.00
Diluted EPS	10.00	10.00	11.00	9.00	6.00	5.00	5.00	5.00	3.00
Basic Shares Outstanding	12.59	13.35	14.10	14.58	14.87	14.89	15.06	15.06	14.44
Diluted Shares Outstanding	12.84	13.55	14.26	14.81	14.87	14.89	15.06	15.06	14.49

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About Preferred Bank Financial Statements

What was Preferred Bank's revenue in fiscal 2025?

Preferred Bank reported revenue of $499.04M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 75.7% from $283.96M a year earlier.

Is Preferred Bank profitable?

Yes. Preferred Bank earned net income of $133.63M in fiscal 2025, a net margin of 26.8%. In fiscal 2024 it earned $130.66M.

What is Preferred Bank's operating margin?

Preferred Bank's operating income was $189.55M on revenue of $499.04M in fiscal 2025, an operating margin of 38.0%, compared with 64.8% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition