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) | $1,227.1 | $701.9 | 49% |
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| Shares Out (Mil) | 12.0 | 15.4 | 23% |
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| Institutional Ownership | 91.7% | 84.0% | 60% |
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| Float (Mil) | 10.9 | 21.8 | 20% |
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| Beta | 0.56 | 0.46 | 32% |
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| Avg Daily Volume (000s) | 122 | 53 | 39% |
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| Price Change (52-week) |
13.9% | 92.0% | 63% |
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| Growth | PFBC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 13.6% | 7.6% | 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% | 3.7% | 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 | $2.792 | $10.832 | $11.383 | |
| Month Ago EPS | $2.753 | $10.763 | $11.082 | |
| # Rev Up | 0 | 1 | 1 | |
| # Rev Down | 1 | 1 | 2 | |
| Three Months Ago EPS | $2.716 | $10.738 | $10.978 | |
| Year/Year Chg | 0.4% | 4.1% | 13.5% | |
| Financials | PFBC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $287 | $188 | 35% |
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| Net Income (TTM) (Mil) | $135 | $55 | 63% |
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| EPS (TTM) | $11.163 | $2.600 | 95% |
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| Operating Cash Flow (TTM) (Mil) | $172 | $33 | 57% |
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| Net Cash Flow (TTM) (Mil) | na | $2 | na |
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| Long-Term Debt (Q1) (Mil) | $379 | $99 | 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 | 1.55 | 1.26 | 45% |
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| P/E | 9.5 | 12.2 | 17% |
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| Dividend Yield | 3.1% | 2.3% | 85% |
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| PEG (5yr hist) | 0.5 | 1.1 | 28% |
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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 | 46.7% | 29.4% | 96% |
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| ROA | 1.8% | 1.1% | 54% |
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| ROE | 17.2% | 11.4% | 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 11/5/2026, 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: | 6.9% |
| +/- S&P 500: | -0.5 |
FACTOR STRATEGY
Value on the Move--PEG With Hist Growth Screen
Factors: Value, Quality, Momentum, Growth
Using PEG ratios and price strength to find growth stocks trading at a reasonable price.
| Performance Since Inception: | 13.5% |
| +/- S&P 500: | +6.1 |
