NASDAQ$PFBC
Preferred Bank · Q4 2025 earnings
Q4 2025 earnings · · After market close · Investor relations
Briefing
Preferred Bank reported its Q4 2025 earnings, showing a decrease in net income and EPS compared to the previous year, alongside growth in total loans and deposits.
Preferred Bank experienced a challenging fourth quarter in 2025, with net income declining to $28.5 million from $35.1 million in the prior year's quarter. Diluted EPS also decreased to $1.90 from $2.34. Despite these declines, the bank saw positive trends in its balance sheet, with total loans increasing by $1.1 billion and total deposits growing by $1.0 billion year-over-year. The net interest margin compressed to 3.45% from 3.90% in Q4 2024, reflecting the current interest rate environment.
- Net income for Q4 2025 was $28.5 million, a decrease from $35.1 million in Q4 2024.
- Diluted earnings per share for Q4 2025 were $1.90, down from $2.34 in the same period last year.
- Total loans grew by $1.1 billion year-over-year, reaching $6.5 billion.
- Total deposits increased by $1.0 billion year-over-year, totaling $7.1 billion.
- Net interest margin compressed to 3.45% in Q4 2025 from 3.90% in Q4 2024.
Headline financials
Revenue & EPS history
Preferred Bank · Revenue · Quarterly
$85M
Forward guidance
Preferred Bank anticipates continued loan and deposit growth in the upcoming year, with a focus on maintaining asset quality and managing interest rate risks. The bank expects net interest margin to stabilize, though it acknowledges potential headwinds from economic uncertainties.
Tailwinds
- Projected continued growth in total loans, driven by strong customer relationships.
- Anticipated stability in net interest margin as interest rate environment normalizes.
- Commitment to maintaining strong asset quality and managing credit risks effectively.
- Focus on operational efficiency to improve the efficiency ratio.
- Potential for increased noninterest income through diversified service offerings.
Headwinds
- Ongoing pressure on net interest margin due to competitive landscape and funding costs.
- Potential for increased provision for credit losses if economic conditions deteriorate.
- Uncertainty in the broader economic environment could impact loan demand and asset quality.
- Regulatory changes could impose additional compliance costs and operational burdens.
- Intense competition in the banking sector may limit growth opportunities and profitability.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2025
+1.3%
Avg return
Earnings day
+1.7%
Avg return
5 days after
+2.3%
Avg return
30 days after
67%
31 / 46 earnings
Positive
+10.4%
Q3 2017
Best reaction
-9.0%
Q4 2025
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -1.7% | -1.2% | -0.5% | |
| Q4 2025 | -9.0% | -10.3% | +0.0% | |
| Q3 2025 | +5.1% | +7.5% | +4.7% | |
| Q2 2025 | +4.8% | +1.4% | -1.6% | |
| Q1 2025 | -6.8% | -7.1% | -3.4% | |
| Q4 2024 | +1.9% | +6.2% | +1.5% | |
| Q3 2024 | +1.3% | -1.5% | +11.7% | |
| Q2 2024 | +8.4% | +3.4% | -2.2% | |
| Q1 2024 | +2.7% | +2.2% | +1.0% | |
| Q4 2023 | -2.9% | +1.2% | -2.3% | |
| Q3 2023 | -2.4% | -3.7% | +3.0% | |
| Q2 2023 | +4.4% | +10.3% | +6.3% | |
| Q1 2023 | +2.2% | -0.0% | -6.6% | |
| Q4 2022 | -5.0% | -3.3% | +0.4% | |
| Q3 2022 | +3.7% | +5.9% | +6.2% | |
| Q2 2022 | +2.0% | +0.2% | +4.4% | |
| Q1 2022 | +4.6% | +0.7% | -7.2% | |
| Q4 2021 | -3.9% | -3.3% | -1.0% | |
| Q3 2021 | +1.3% | +4.6% | +2.8% | |
| Q2 2021 | +2.9% | +2.2% | +2.6% | |
| Q1 2021 | -4.0% | -1.2% | -2.4% | |
| Q4 2020 | +0.9% | -5.4% | +15.6% | |
| Q3 2020 | +1.6% | +4.4% | +13.1% | |
| Q2 2020 | -0.9% | +0.9% | -5.7% | |
| Q1 2020 | +6.3% | +11.6% | +9.3% | |
| Q4 2019 | +6.8% | +2.2% | +0.5% | |
| Q3 2019 | -1.5% | +0.0% | +3.6% | |
| Q2 2019 | +3.2% | +5.1% | +3.0% | |
| Q1 2019 | -2.6% | -3.2% | -0.7% | |
| Q4 2018 | +0.1% | +5.3% | +12.6% | |
| Q3 2018 | +0.6% | -9.3% | -13.1% | |
| Q2 2018 | +3.0% | +4.0% | -2.2% | |
| Q1 2018 | +1.5% | +2.5% | -3.6% | |
| Q4 2017 | -2.6% | -4.2% | -3.4% | |
| Q3 2017 | +10.4% | +10.5% | +3.9% | |
| Q2 2017 | +3.3% | +0.9% | -5.1% | |
| Q1 2017 | +3.9% | +10.7% | +2.7% | |
| Q4 2016 | +7.2% | +10.4% | +13.2% | |
| Q3 2016 | +3.2% | +6.0% | +24.5% | |
| Q2 2016 | -0.3% | +1.2% | +7.1% | |
| Q1 2016 | +1.5% | — | — | |
| Q4 2015 | +0.8% | — | — | |
| Q3 2015 | +2.1% | — | — | |
| Q2 2015 | -0.1% | — | — | |
| Q1 2015 | -3.3% | — | — | |
| Q4 2014 | +3.1% | — | — |
Discussion
Share your read of this quarter. Sign-in carries your eToro identity.
Join the conversation
Sign in with eToro to post your read of this quarter and vote on others'.
Sign in with eToro