PFBC PRESS-RELEASE SEC Filing Analysis

Latest settled — T+5d

PFBC ▲ +0.47% at T+5d

NEUTRAL call ✓ call won +0.47% · α vs SPY -0.77% · entry $94.29 → $94.73

Next anchor: T+20d in 3d

Last close $101.61 (close Jun 12) · +7.76% from $94.29 entry

Entry anchored
May 20, 04:27 AM ET
via Databento tick

T+1d

+0.43%

call +0.43% · α +0.24%

$94.70

settled 25d ago

T+5d

+0.47%

call +0.47% · α -0.77%

$94.73

settled 18d ago

T+20d

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T+60d

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Executive Summary

Preferred Bank reported Q1 2026 EPS of $2.53, a 4.2% miss versus the consensus estimate of $2.64, and revenue of $73.6M. The miss is modest and likely attributed to credit normalization; however, the bank separately announced a $5.7M settlement on a previously charged-off loan, which represents a positive recovery on a credit that was expected to be a full loss. The earnings miss mildly negative, partially offset by the credit recovery.

Actionable Insight

The EPS miss is modest and partially offset by the credit recovery news, which suggests less credit deterioration than feared. Watch for the Q2 earnings call for further color on loan loss provision trends and the timing of the $5.7M recovery recognition. The neutral read suggests limited near-term catalyst.

Key Facts

Q1 2026 EPS of $2.53 missed consensus of $2.64 by 4.2%
Revenue was $73.6M, in line with the $73.6M consensus estimate
Bank reached a $5.7M settlement on a previously charged-off commercial & industrial loan
$5.7M recovery over 11 months on a loan charged off in Q2 2024

Financial Impact

EPS miss of ~$0.11 vs consensus; $5.7M recovery on a charged-off loan provides roughly $0.13-$0.14 EPS positive swing (using ~40M shares) if fully recognized this quarter, likely spread over 11 months

epscredit qualityloan loss provision

Risk Factors

Further credit deterioration in the commercial & industrial loan portfolio
The $5.7M settlement may not be fully recognized in Q2 2026, damping the positive impact
Regional bank pressure from commercial real estate exposure could persist

Market Snapshot

Exchange

Nasdaq

Analyst Consensus

55% bullish (11 analysts)

Documents Analyzed

This report is based on 1 press release from GlobeNewswire.

Document	Accession Number
PRESS-RELEASE Data (Synthetic)	press-3298397

3 reports for PFBC

T+1T+5T+20T+60

Track record builds as more directional reports settle.

Filters

Reports for PFBC — sortable, filterable
	Type				Now
May 20, 2026 25d ago	Press Release NEUTRAL ★ 4/10	$94.29 $94.73	▲ +0.47%	▼ −0.77%	$101.61 (+7.76%)
Apr 22, 2026 7w ago	Press Release BEARISH ★ 7/10	$93.61 $95.04	▼ −1.53%	▼ −1.47%	$101.61 (−8.55%)
Apr 8, 2026 9w ago	Press Release NEUTRAL ★ 3/10	$94.70 $94.41	▼ −0.31%	▼ −3.49%	$101.61 (+7.30%)

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