ScoreComparison
Why is Preferred Bank (California) ?
1
High Profitability with a Net Interest Margin of 9.69%
2
Positive results in Jun 26
- OPERATING CASH FLOW(Y) Highest at USD 169.1 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
- CREDIT DEPOSIT RATIO(HY) Highest at 96.27%
3
With ROA of 0.96%, it has a attractive 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 14.73%, its profits have risen by 2.3% ; the PEG ratio of the company is 4.3
4
High Institutional Holdings at 87.25%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 4.57% over the previous quarter.
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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Preferred Bank (California)
14.92%
1.85
25.28%
S&P 500
20.6%
1.55
13.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.82%
EBIT Growth (5y)
15.35%
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
82.68%
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
3.91
EV to EBITDA
3.88
EV to Capital Employed
3.22
EV to Sales
1.53
PEG Ratio
4.29
Dividend Yield
NA
ROCE (Latest)
82.27%
ROE (Latest)
16.93%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
Bullish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 169.1 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 96.27%
-1What is not working for the Company
CASH AND EQV(HY)
Lowest at USD 1,554.98 MM
Here's what is working for Preferred Bank (California)
Operating Cash Flow
Highest at USD 169.1 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
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 96.27%
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)
Cash and Eqv
Lowest at USD 1,554.98 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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