ScoreComparison
Why is Preferred Bank (California) ?
1
High Profitability with a Net Interest Margin of 9.69%
2
Flat results in Dec 25
- OPERATING CASH FLOW(Y) Lowest at USD 81.21 MM
3
With ROA of 1.26%, it has a fair valuation with a 1.65 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 4.61%, its profits have risen by 2.3% ; the PEG ratio of the company is 4.3
4
High Institutional Holdings at 83.13%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
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)
4.61%
0.80
28.85%
S&P 500
11.87%
0.62
19.30%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.82%
EBIT Growth (5y)
15.39%
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
29.30%
Pledged Shares
0
Institutional Holding
83.13%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.65
EV to EBIT
3.85
EV to EBITDA
3.83
EV to Capital Employed
3.26
EV to Sales
1.51
PEG Ratio
4.28
Dividend Yield
NA
ROCE (Latest)
84.54%
ROE (Latest)
16.93%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Sideways
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 95.27%
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 81.21 MM
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)
Credit Deposit Ratio
Highest at 95.27%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Preferred Bank (California)
Operating Cash Flow
Lowest at USD 81.21 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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