3 Undervalued Banks Stocks for Thursday, September 24
Discover the top 3 undervalued Banks stocks for Thursday, September 24 based on AAII’s Stock Grades.Jenna Brashear
A+ Stock Grade Summary:
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COMPANY SUMMARY
Preferred Bank provides various banking products and services to small and mid-sized businesses, entrepreneurs, real estate developers, professionals, and high net worth individuals. The company accepts checking, savings, and money market deposit accounts; fixed-rate and fixed maturity retail, and non-retail certificates of deposit; and individual retirement accounts. It also provides real estate mortgage loans that are secured by retail, industrial, office, special purpose, and residential single and multi-family properties; real estate construction loans; commercial loans, including lines of credit for working capital, term loans for capital expenditures, and commercial and stand-by letters of credit; and small business administration loans for business purposes, such as owner-occupied commercial real estate, business acquisitions, start-ups, franchise financing, working capital, improvements and renovations, inventory and equipment, and debt-refinancing. In addition, the company offers trade finance services, including commercial and export letters of credit, import lines of credit, documentary collections, international wire transfers, acceptances/trust receipt financing, export financing, and bills purchase programs. Further, it provides cash management services; and internet, mobile, and tablet banking services. The company was incorporated in 1991 and is headquartered in Los Angeles, California.
Commentary & Analysis
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Financial Summary
| Share Statistics | PFBC | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,215.9 | $673.5 | 48% |
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| Shares Out (Mil) | 12.0 | 15.4 | 23% |
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| Institutional Ownership | 91.8% | 84.1% | 60% |
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| Float (Mil) | 10.9 | 21.6 | 20% |
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| Beta | 0.54 | 0.45 | 31% |
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| Avg Daily Volume (000s) | 140 | 44 | 40% |
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| Price Change (52-week) |
14.6% | 90.3% | 65% |
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| Growth | PFBC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 13.6% | 7.7% | 70% |
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| Net Income (5yr) | 14.0% | 11.1% | 62% |
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| EPS (5yr) | 17.5% | 10.0% | 64 |
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| Dividends (5yr) | 20.5% | 3.6% | 94% |
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| Cash Flow (5yr) | (26.2%) | (17.1%) | 24% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 6 | 6 | 6 | |
| Current EPS | $2.687 | $10.763 | $11.082 | |
| Month Ago EPS | $2.696 | $10.738 | $10.978 | |
| # Rev Up | 0 | 1 | 1 | |
| # Rev Down | 1 | 2 | 2 | |
| Three Months Ago EPS | $2.734 | $10.696 | $11.244 | |
| Year/Year Chg | (3.3%) | 3.4% | 15.6% | |
| Financials | PFBC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $287 | $187 | 35% |
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| Net Income (TTM) (Mil) | $135 | $53 | 64% |
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| EPS (TTM) | $11.163 | $2.600 | 95% |
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| Operating Cash Flow (TTM) (Mil) | $172 | $34 | 57% |
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| Net Cash Flow (TTM) (Mil) | na | $2 | na |
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| Long-Term Debt (Q1) (Mil) | $379 | $94 | 56% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | PFBC | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.53 | 1.23 | 42% |
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| P/E | 9.4 | 12.0 | 15% |
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| Dividend Yield | 3.1% | 2.3% | 84% |
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| PEG (5yr hist) | 0.5 | 1.1 | 27% |
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| Ratios | PFBC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 47.3% | 29.2% | 96% |
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| ROA | 1.8% | 1.1% | 54% |
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| ROE | 17.2% | 11.3% | 75% |
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| Liabilities to Assets | 89.7% | 89.7% | 85% |
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| F-Score | 4 | 4 | 33% |
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Passing Stock Screens
As of 10/9/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.7% |
| +/- S&P 500: | -0.8 |
