)
Visual
test
Preferred Bank
Preferred Bank (PFBC) investor relations material
Preferred Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Net income for Q4 2025 was $34.8 million ($2.79 per share), with full-year net income reported as $434 million ($10.41 per share) in one source and $133.6 million ($10.41 per share) in another, reflecting strong profitability metrics.
Loan and deposit growth remained robust, with Q4 loans up $182.3 million (over 12%/3.1% linked quarter) and deposits up $115.8 million (7.4%/1.9% linked quarter); full-year loan and deposit growth were $413.6 million and $428.6 million, respectively.
Net interest margin declined in Q4 due to federal rate cuts and high deposit costs, with a 70% floating-rate loan portfolio impacted.
Asset quality saw an increase in non-accrual and criticized assets, mainly due to downgrades of a large relationship, but OREO sales reduced nonperforming assets.
Loan loss provision for the quarter was $4.3 million.
Financial highlights
Net interest margin for December was 3.66%, with deposit costs at 3.17%, both trending down by 5-7 basis points per month.
Net interest income for Q4 was $70.0 million, down $1.3 million sequentially but up $802,000 year-over-year; net interest margin contracted to 3.74% from 3.92% last quarter and 4.06% a year ago.
Noninterest income rose to $8.1 million, driven by a $3.6 million gain on OREO sales and higher letter of credit fees.
Noninterest expense increased to $24.4 million, mainly due to OREO-related write-downs and expenses.
Efficiency ratio for Q4 was 31.2%, up from 28.7% last quarter but improved from 38.8% a year ago.
Outlook and guidance
Management expects 2026 to be a year of growth and stability, with customers and economists expressing optimism.
Loan and deposit growth are expected to continue at a similar or higher pace than 2025, with internal budgets set higher.
Non-interest expense is forecasted at $21.5–$22.5 million for Q1 2026, with mid- to high-single-digit growth for the full year.
Fee income for 2026 is expected to be in line with Q4 2025, excluding one-time OREO gains.
What is the outlook for the large classified relationship?
Mitigate deposit competition's NIM impact
Noninterest income sustainability post OREO sales
Resolution timeline for the $123M criticized loan?
Deposit cost impact from large bank competition?
Loan growth impact on capital allocation?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 5 FebMAGN
Q1 net sales $792M, Adjusted EBITDA $93M; 2026 targets 9% EBITDA growth, $100M FCF, $100M debt cut. - 5 FebLADR
Q4 2025 distributable earnings hit $21.4M, with investment-grade status and strong loan growth. - 5 FebAMSC
Record Q3 revenue and net income driven by tax benefit, acquisitions, and strong demand. - 5 FebKKR
Record fundraising, earnings, and new sports investing platform drive strong 2025 results. - 5 FebLIN
Record EPS, strong cash flow, and 6–9% 2026 growth outlook led by clean energy and electronics. - 5 FebROAD
Q1 revenue up 44%, record backlog, and raised FY26 outlook on strong Sunbelt demand. - 5 FebOESX
Raised FY 2026 revenue outlook and delivered fifth straight quarter of positive Adjusted EBITDA. - 5 FebTWI
AI-driven innovation and LSW tire success position the business for growth amid market challenges. - 5 FebREAL
All resolutions passed, with management emphasizing growth, market share, and financial stability. - 5 FebQGEN
2025 results beat expectations with strong growth pillars and robust 2026 outlook.
Next Preferred Bank earnings date
Q1 202624 Apr, 2026
Preferred Bank
Next Preferred Bank earnings date
Q1 202624 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Preferred Bank is a commercial bank that provides a range of banking services including commercial and real estate lending, deposits, and treasury management. The bank serves middle-market businesses, professionals, and entrepreneurs, primarily in California. The company is headquartered in Los Angeles, California, and its shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage