NASDAQ: PFBC · Regional Banks
Preferred Bank (PFBC) fair value: undervalued or overvalued?
As of 26 Sep 2026, Faircurve's model values Preferred Bank (PFBC) at $140.79 a share. The stock last closed at $106.48, which puts the model's fair value 32.2% above the price. On the model's bands that reads as Undervalued.
Revalued . Price is the close of 2 Oct 2026. Preferred Bank.
Faircurve Insights · 26 Sep 2026
Preferred Bank offers a wide array of commercial banking products and services throughout the United States.
Faircurve's model on 26 Sep 2026 found a fair value of $140.79 a share. This was the midpoint of 2,000 simulations. The previous run, on 19 Sep 2026, gave $147.06, meaning the fair value moved -4.3%. The calibrated range over 63 trading days was $118.12 to $171.67, built from the fair value since there is no live options data for the stock. This range held the price 60% of the time at this horizon. The evidence grade for this valuation was High.
The business is scored on quality against comparable companies. The model compares it with Westamerica Bancorporation (WABC), Heritage Financial Corporation (HFWA), Tompkins Financial Corporation (TMP), Lakeland Financial Corporation (LKFN), Pathward Financial, Inc. (CASH), Capitol Federal Financial, Inc. (CFFN), and Central Pacific Financial Corp. (CPF). The stock's moves around its last 8 earnings reports had a median size, ignoring direction, of 4.5%.
Written from the figures on this page for the 26 Sep 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
What price range does the model give PFBC?
The calibrated range for PFBC over 63 trading days is $118.12 to $171.67. There is no live options data for this stock, so the range is built from the fair value and calibrated weekly against realised prices (n = 4,327 past valuations, refreshed 26 Sep 2026). Ranges built this way held the price 60% of the time at this horizon.
The price is below this range. For names with fair value 30%+ above price, the calibrated range has held the price 29% of the time over 63 trading days, and 71% ended below it; the typical move was +5.7%.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $124.15 to $158.17. In 96% of the simulations the fair value came out above the price the model ran on.
How does PFBC compare with similar companies?
The companies in regional banks closest to Preferred Bank in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| WABC Westamerica Bancorporation | $59.60 | $62.23 | +4.4% | Fairly valued |
| HFWA Heritage Financial Corporation | $28.14 | $20.41 | -27.5% | Overvalued |
| TMP Tompkins Financial Corporation | $98.89 | $112.19 | +13.4% | Undervalued |
| TFIN Triumph Financial, Inc. | $62.18 | $16.56 | -73.4% | Gap wider than 60% |
| LKFN Lakeland Financial Corporation | $59.07 | $57.42 | -2.8% | Fairly valued |
| CASH Pathward Financial, Inc. | $73.96 | $99.49 | +34.5% | Undervalued |
| CFFN Capitol Federal Financial, Inc. | $8.58 | $8.10 | -5.6% | Fairly valued |
| CPF Central Pacific Financial Corp. | $36.42 | $40.77 | +11.9% | Undervalued |
When does PFBC report earnings, and how has the stock reacted?
Preferred Bank's next earnings report is scheduled for 19 Oct 2026. Companies can move their dates.
Options prices on 2 Oct 2026 imply a move of about 7.2% in either direction through the nearest expiry, about 48 days out, a window that includes the report. That is the size the market is pricing, not a direction.
How PFBC moved around its last 8 earnings reports
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across these 8 reports, ignoring direction, was 4.5%.
| Report date | Two session move |
|---|---|
| 22 Jul 2026 | -4.4% |
| 22 Apr 2026 | +1.0% |
| 22 Jan 2026 | -15.6% |
| 20 Oct 2025 | +6.7% |
| 21 Jul 2025 | +4.6% |
| 25 Apr 2025 | +7.4% |
| 27 Jan 2025 | +1.9% |
| 21 Oct 2024 | +1.3% |
Preferred Bank at a glance
Preferred Bank offers a wide array of commercial banking products and services throughout the United States.
- Market value
- $1.3B
- Sector
- Financial Services
- Industry
- Regional Banks
- Consensus revenue growth, next fiscal year
- -41.7%
- Analysts with estimates
- 5
- Beta to the US market
- 0.33
- First valued by Faircurve
- 11 Jul 2026
How the fair value is worked out: the model prices Preferred Bank on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 19 Sep 2026 the model's fair value for PFBC was $147.06. As of 26 Sep 2026 it is $140.79, a change of -4.3%. The model revalues every stock it covers each week, and again after an earnings report.
Questions about Preferred Bank's valuation
Is Preferred Bank stock undervalued or overvalued?
On Faircurve's model, PFBC reads as Undervalued as of 26 Sep 2026. The model's fair value is $140.79 a share against a last close of $106.48, a gap of +32.2%.
What is PFBC's fair value?
$140.79 a share as of 26 Sep 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $124.15 to $158.17.
What price range does the model give PFBC?
$118.12 to $171.67 over 63 trading days. Ranges built this way held the price 60% of the time across 4,327 past valuations, refreshed 26 Sep 2026.
When does Preferred Bank report earnings next?
The next report is scheduled for 19 Oct 2026. Companies can move their dates.
How much has PFBC moved on past earnings reports?
Across its last 8 reports the median two session move was 4.5%, ignoring direction. The largest was -15.6% around the report of 22 Jan 2026.
How confident is the model in this valuation?
The model's evidence grade for PFBC is high. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It is not a probability that the fair value is right, or that the price reaches it.