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Market Price

66.61 

0.12 0.2%

as of Apr 12 '21

52 Week Range:

28.92 67.73


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Preferred Bank provides various commercial banking products and services to small and mid-sized businesses and their owners, entrepreneurs, real estate developers and investors, professionals, and high net worth individuals in the United States. The company's deposit products include checking, savings, negotiable order of withdrawal, 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 comprising lines of credit for working capital and term loans for capital expenditures; and commercial and export letters of credit, import lines of credit, documentary collections, international wire transfers, export financing products, bills purchase programs, and acceptances/trust receipt financing products, as well as standby letters of credit and foreign exchange services for importers and exporters. In addition, it offers various high-wealth banking services to wealthy individuals residing in the Pacific Rim area with residences, real estate investments, or businesses in Southern California. Further, it provides various banking services to physicians, accountants, attorneys, business managers, and other professionals; and safe deposit boxes, account reconciliation, courier service, and cash management services to the manufacturing, service, and distribution companies. Additionally, it offers remote deposit capture, and Internet and mobile banking services. As of December 31, 2017, it had 13 full-service branch offices in Alhambra, Arcadia, Century City, City of Industry, Diamond Bar, Los Angeles, Pico Rivera, San Francisco, Tarzana, Torrance, Anaheim, and Irvine, California; and Flushing, New York. The company was founded in 1991 and is headquartered in Los Angeles, California.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 10.72
11.69
14.19
15.08
16.93
18.52
19.84
20.96
26.93
30.74
33.74
growth rate 9.1% 21.4% 6.3% 12.3% 9.4% 7.1% 5.7% 28.5% 14.2% 9.8%
Earnings BIT -17.51
7.19
3.29
98.70
111.41
96.86
growth rate 100.0% -54.2% 76.3% 12.9% -13.1%
Avg.PE -1.40
7.91
7.99
15.89
22.39
22.06
22.51
16.14
16.14
16.14
growth rate 100.0% 1.0% 41.0% 40.9% -1.5% 2.0% -28.3% 0.0% 0.0%
ROA -3.31
0.95
1.64
1.14
1.27
1.26
1.23
1.23
1.75
1.76
1.42
growth rate 100.0% 72.6% -30.5% 11.4% -0.8% -2.4% 0.0% 42.3% 0.6% -19.3%
ROE -37.41
8.17
13.62
9.63
10.99
11.70
12.74
13.14
18.10
17.53
13.92
growth rate 100.0% 66.7% -29.3% 14.1% 6.5% 8.9% 3.1% 37.8% -3.2% -20.6%
ROIC -18.68
10.78
15.39
11.43
12.41
growth rate 100.0% 42.8% -25.7% 8.6%
Leverage 8.89
8.29
8.28
8.55
8.74
9.84
10.81
10.62
10.12
9.85
9.79
growth rate -6.8% -0.1% 3.3% 2.2% 12.6% 9.9% -1.8% -4.7% -2.7% -0.6%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 0.30
2.71
14.27
3.37
1.45
growth rate 201.2% 425.8% -76.4% -56.8%
Acct.Payable 1,776.26
2,286.56
2,763.72
3,262.69
3,639.69
3,983.29
4,442.48
growth rate 28.7% 20.9% 18.1% 11.6% 9.4% 11.5%
Cur.Assets 255.66
322.61
418.26
581.15
627.10
561.35
788.21
growth rate 26.2% 29.7% 38.9% 7.9% -10.5% 40.4%
Total Assets 1,255.90
1,309.80
1,554.90
2,054.15
2,598.85
3,221.60
3,769.86
4,216.44
4,628.48
5,143.64
growth rate 4.3% 18.7% 14.9% 26.5% 24.0% 17.0% 11.9% 9.8% 11.1%
Cash 108.20
34.20
9.50
240.19
309.18
403.83
555.32
526.76
498.65
759.47
growth rate -68.4% -72.2% 402.8% 28.7% 30.6% 37.5% -5.1% -5.3% 52.3%
Inventory 8.81
4.11
4.11
4.11
growth rate -53.3% 0.0% 0.0%
Cur.Liabilities 1,782.13
2,295.58
2,775.60
3,280.50
3,700.70
4,062.08
4,447.32
growth rate 28.8% 20.9% 18.2% 12.8% 9.8% 9.5%
Liabilities 1,114.50
1,151.70
1,367.00
1,819.13
2,334.70
2,923.53
3,414.83
3,799.78
4,158.47
4,618.19
growth rate 3.3% 18.7% 15.4% 28.3% 25.2% 16.8% 11.3% 9.4% 11.1%
LT Debt 2,010.00
26.00
0.00
20.00
26.64
125.36
105.36
99.09
99.21
99.33
growth rate -98.7% -100.0% 33.2% 370.6% -16.0% -6.0% 0.1% 0.1%
Equity 141.30
158.00
187.80
235.03
264.15
298.07
355.03
416.65
470.02
525.45
growth rate 11.8% 18.9% 11.9% 12.4% 12.8% 19.1% 17.4% 12.8% 11.8%
Common Shares 7.00
13.00
13.00
13.00
14.00
14.00
14.00
14.00
14.85
14.93
14.93
growth rate 85.7% 0.0% 0.0% 7.7% 0.0% 0.0% 0.0% 6.1% 0.6% 0.0%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 0.00
0.10
0.20
0.44
2.09
0.64
1.36
6.15
6.09
1.50
growth rate 100.0% 48.7% 373.3% -69.4% 112.2% 352.2% -1.0% -75.4%
Cash Dividends 0.00
0.00
0.00
1.35
6.30
8.44
11.04
15.63
18.29
17.92
growth rate 367.5% 33.9% 30.8% 41.6% 17.0% -2.0%
Cash From OA 46.30
25.20
26.50
41.70
28.24
52.63
53.18
99.01
86.76
103.77
growth rate -45.6% 5.2% 25.4% -32.3% 86.4% 1.1% 86.2% -12.4% 19.6%
FCF per Share 6.77
1.04
1.98
1.77
3.14
2.91
2.52
3.68
5.60
5.59
5.92
growth rate -84.6% 90.4% -10.6% 77.4% -7.3% -13.4% 46.0% 52.2% -0.2% 5.9%
Sale Purchase of Stock 0.79
2.54
3.30
34.93
-1.30
-20.54
growth rate 222.8% 30.1% 958.3% -100.0% 0.0%
FCF 46.00
25.00
26.00
33.00
42.00
26.00
52.00
52.00
96.00
81.00
102.00
growth rate -45.7% 4.0% 26.9% 27.3% -38.1% 100.0% 0.0% 84.6% -15.6% 25.9%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 40.10
46.30
57.30
69.63
83.99
100.86
126.07
163.02
170.88
180.21
growth rate 15.5% 23.8% 10.2% 20.6% 20.1% 25.0% 29.3% 4.8% 5.5%
Op.Income -17.50
7.20
3.30
39.73
49.75
60.53
81.04
99.31
112.63
96.87
growth rate 100.0% -54.2% 247.0% 25.2% 21.7% 33.9% 22.5% 13.4% -14.0%
IBT -17.51
7.19
3.29
40.85
50.23
59.70
80.48
98.70
111.41
96.86
growth rate 100.0% -54.2% 252.4% 23.0% 18.9% 34.8% 22.6% 12.9% -13.1%
Net Income -16.80
12.20
23.90
24.59
29.74
36.37
43.39
70.99
78.37
69.47
growth rate 100.0% 95.9% 1.4% 21.0% 22.3% 19.3% 63.6% 10.4% -11.4%
EPS -6.21
0.93
1.78
1.42
1.78
2.14
2.56
2.96
4.64
5.16
4.65
growth rate 100.0% 91.4% -20.2% 25.4% 20.2% 19.6% 15.6% 56.8% 11.2% -9.9%
Gross Profit 69.63
83.99
100.86
126.07
147.64
168.65
154.22
growth rate 20.6% 20.1% 25.0% 17.1% 14.2% -8.6%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 28.07
22.98
21.78
23.06
29.04
growth rate -18.1% -5.2% 5.9% 25.9%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Receivable 3.37
4.46
9.53
9.09
1.45
growth rate 32.5% 113.5% -4.6% -84.0%
Acct.Payable 3,983.29
4,086.48
4,350.24
4,414.43
4,442.48
growth rate 2.6% 6.5% 1.5% 0.6%
Cur.Assets 561.35
510.65
692.37
848.70
788.21
growth rate -9.0% 35.6% 22.6% -7.1%
Total Assets 4,628.48
4,727.63
5,004.46
5,085.57
5,143.64
growth rate 2.1% 5.9% 1.6% 1.1%
Cash 498.65
461.37
630.68
780.29
759.47
growth rate -7.5% 36.7% 23.7% -2.7%
Inventory
growth rate
Cur.Liabilities 4,062.08
4,154.61
4,416.46
4,439.54
4,447.32
growth rate 2.3% 6.3% 0.5% 0.2%
Liabilities 4,158.47
4,253.85
4,515.73
4,581.71
4,618.19
growth rate 2.3% 6.2% 1.5% 0.8%
LT Debt 99.21
99.24
99.27
99.30
99.33
growth rate 0.0% 0.0% 0.0% 0.0%
Equity 470.02
473.79
488.73
503.87
525.45
growth rate 0.8% 3.2% 3.1% 4.3%
Common Shares 14.87
14.92
14.93
14.93
14.93
growth rate 0.3% 0.1% 0.0% 0.0%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 0.25
0.32
0.22
0.45
0.51
growth rate 25.9% -29.4% 100.0% 15.0%
Cash Dividends 4.52
4.48
4.48
4.48
4.48
growth rate -0.9% -0.1% 0.1% 0.0%
Cash From OA 20.48
19.29
19.16
30.34
34.98
growth rate -5.8% -0.7% 58.4% 15.3%
Sale Purchase of Stock -8.23
-2.32
0.00
-0.01
growth rate 0.0% 0.0%
FCF 20.23
18.97
18.94
29.90
34.46
growth rate -6.2% -0.2% 57.9% 15.3%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 42.29
43.46
43.61
45.72
47.42
growth rate 2.8% 0.3% 4.8% 3.7%
Op.Income 28.08
22.98
21.78
23.06
29.04
growth rate -18.2% -5.2% 5.9% 25.9%
IBT 28.07
22.98
21.78
23.06
29.04
growth rate -18.1% -5.2% 5.9% 25.9%
Net Income 19.62
16.15
15.31
17.13
20.88
growth rate -17.7% -5.2% 11.9% 21.9%
EPS
growth rate
Gross Profit 41.84
38.16
36.11
36.72
43.22
growth rate -8.8% -5.4% 1.7% 17.7%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (80.47)

YOY Growth Grade:

C (62.00)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 16.14 18.09 11.51
EPS / Growth 25.6% 3.68 10.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 15.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 10.0% 16.9% 16.9%
Future PE 11.51 20.45 20.45
Future EPS 9.55 17.47 17.47
Value Price
MOS %
27.18
-59.2%
88.33
32.6%
88.33
32.6%
MOS Price 13.59 44.17 44.17
IRT 10.20 8.23 8.23

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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