Preferred Bank (PFBC) reported $66.66 million in revenue for the quarter ended March 2025, representing a year-over-year decline of 6.9%. EPS of $2.23 for the same period compares to $2.44 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $70.45 million, representing a surprise of -5.39%. The company delivered an EPS surprise of -4.29%, with the consensus EPS estimate being $2.33.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Preferred Bank performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio: 35.1% compared to the 31.8% average estimate based on three analysts.
- Net Interest Margin: 3.8% versus 4.3% estimated by three analysts on average.
- Net charge-offs to average loans: 0% versus the two-analyst average estimate of 0.2%.
- Average Interest-Earning Assets: $6.78 billion compared to the $6.86 billion average estimate based on two analysts.
- Net interest income before provision for credit losses: $62.66 million versus the three-analyst average estimate of $66.64 million.
- Total noninterest income: $4 million versus $3.28 million estimated by three analysts on average.
View all Key Company Metrics for Preferred Bank here>>>
Shares of Preferred Bank have returned +0.6% over the past month versus the Zacks S&P 500 composite's -4.8% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.
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Preferred Bank (PFBC): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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