Preferred Bank Schedules Jan 22 Q4 Release and Reports 1.93% ROA, 18.64% ROE
Preferred Bank will release Q4 2025 results on January 22, 2026 before market open, and host a conference call at 2:00 p.m. Eastern to discuss results and outlook. Analysts note 1.93% ROA and 18.64% ROE with deposit and loan growth lifting net interest income, despite margin contraction and credit provisions.
1. Preferred Bank Schedules Q4 2025 Results and Investor Call
Preferred Bank will report fourth quarter 2025 financial results on Thursday, January 22, 2026, before market open. That day at 2:00 p.m. Eastern (11:00 a.m. Pacific), Chairman and CEO Li Yu, President Wellington Chen, CFO Edward J. Czajka, CRO Nick Pi and Deputy COO Johnny Hsu will host a conference call to discuss earnings, business highlights and outlook. Investors may dial 844-826-3037 (domestic) or 412-317-5182 (international) using the passcode “Preferred Bank.” A simultaneous webcast will be available on the Investor Relations section of preferredbank.com, and a replay will remain accessible through February 5, 2026 via 855-669-9658 (domestic) or 412-317-0088 (international) with passcode 4064016.
2. Independent Franchise Strength and Branch Network Expansion
As one of California’s larger independent commercial banks, Preferred Bank operates 12 full-service branches across key markets including Los Angeles, Arcadia, Irvine (two locations) and San Francisco (two locations), plus offices in Alhambra, Century City, City of Industry, Torrance, Diamond Bar, Pico Rivera and Tarzana. Outside California, the bank maintains branches in Flushing and Manhattan, New York, a Houston-area branch in Sugar Land, Texas, and a loan production office in Sunnyvale. Deposits are FDIC-insured to the maximum legal limit, and the bank offers a suite of real estate finance, commercial lending and trade finance products targeting small and mid-sized businesses, professionals and high-net-worth individuals.
3. Analyst Upholds Buy Rating on Strengthening Fundamentals
Crude Value Insights reiterates a Buy rating on Preferred Bank, highlighting a return on assets of 1.93% and return on equity of 18.64% for the latest period, both well ahead of peer medians. Net interest income has risen quarter-over-quarter, though net interest margin narrowed modestly as funding costs increased. Credit loss provisions ticked higher to absorb occasional balance-sheet lumpiness, but asset quality remains exceptional with nonperforming assets below 0.5% of total loans. Robust deposit growth of 8% year-over-year supports a healthy liquidity position and underpins forecasts for continued outperformance versus the S&P 500.