ScoreComparison
Why is Preferred Bank (California) ?
1
High Profitability with a Net Interest Margin of 9.49%
2
Positive results in Jun 25
- DIVIDEND PER SHARE(HY) Highest at USD 0
- DIVIDEND PAYOUT RATIO(Y) Highest at 29.17%
- OPERATING PROFIT MARGIN(Q) Highest at 38.68 %
3
With ROA of 1.27%, it has a fair valuation with a 1.58 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -1.61%, its profits have fallen by -12.5%
4
High Institutional Holdings at 92.17%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Below par performance in long term as well as near term
- Along with generating -1.61% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Preferred Bank (California) should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Preferred Bank (California) for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Preferred Bank (California)
1.25%
1.14
27.19%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.25%
EBIT Growth (5y)
11.91%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
29.56%
Pledged Shares
0
Institutional Holding
92.17%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.58
EV to EBIT
2.11
EV to EBITDA
2.09
EV to Capital Employed
-5.10
EV to Sales
0.75
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
16.34%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
DIVIDEND PAYOUT RATIO(Y)
Highest at 29.17%
OPERATING PROFIT MARGIN(Q)
Highest at 38.68 %
EPS(Q)
Highest at USD 2.57
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Preferred Bank (California)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Operating Profit Margin
Highest at 38.68 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
EPS
Highest at USD 2.57
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend Payout Ratio
Highest at 29.17%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for Preferred Bank (California)
Capital Adequacy Ratio
Lowest at 11.18%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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