Preferred Bank Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	270.82	272.63	289.37	247.36	185.88
Net Interest Income Growth	-0.66%	-5.79%	16.99%	33.08%	6.73%
Non-Interest Income	19.52	13.57	7.11	9.86	7.74
Non-Interest Income Growth	43.89%	90.71%	-27.88%	27.37%	27.71%
Revenues Before Loan Losses	290.34	286.19	296.49	257.22	193.62
Provision for Credit Losses	9.1	12.1	10	7.35	-1
Revenue	281.24	274.09	286.49	249.87	194.62
Revenue Growth (YoY)	2.61%	-4.33%	14.65%	28.39%	26.20%
Compensation Expenses	56.43	53.65	51.31	48.61	42.61
Selling, General & Admin	18.68	25.16	13.64	13.33	12.23
Other Non-Interest Expenses	16.58	11.25	11.68	8.74	5.96
Total Non-Interest Expense	91.69	90.06	76.63	70.67	60.79
Pretax Income	189.55	184.03	209.85	179.2	133.83
Provision for Income Taxes	55.92	53.37	59.81	50.35	38.59
Net Income	133.63	130.66	150.04	128.84	95.23
Net Income Attributable to Preferred Dividends	-	-	-	0	0.01
Net Income to Common	133.63	130.66	150.04	128.84	95.23
Net Income Growth	2.27%	-12.91%	16.45%	35.30%	37.47%
Shares Outstanding (Basic)	13	13	14	15	15
Shares Outstanding (Diluted)	13	14	14	15	15
Shares Change (YoY)	-5.29%	-4.96%	-3.70%	-0.38%	-0.13%
EPS (Basic)	10.61	9.79	10.64	8.84	6.41
EPS (Diluted)	10.41	9.64	10.52	8.70	6.41
EPS Growth	7.99%	-8.37%	20.92%	35.73%	37.85%
Shares Outstanding	12.18	13.19	13.58	14.36	14.68
Free Cash Flow	166.79	163.61	172.98	143.4	119.03
Free Cash Flow Growth	1.94%	-5.42%	20.63%	20.47%	16.39%
Free Cash Flow Per Share	12.99	12.07	12.13	9.68	8.01
Dividends Per Share	3.050	2.850	2.350	1.840	1.570
Dividend Growth	7.02%	21.28%	27.72%	17.20%	30.83%
Profit Margin	47.52%	47.67%	52.37%	51.56%	48.94%
FCF Margin	59.30%	59.69%	60.38%	57.39%	61.16%
EBITDA	1.75	2.15	1.72	1.89	1.9
EBITDA Margin	0.62%	0.78%	0.60%	0.76%	0.97%
Effective Tax Rate	29.50%	29.00%	28.50%	28.10%	28.83%

Updated Mar 2, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

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