PFBC Earnings

PFBC reported its earnings on 2026-01-22, showcasing a revenue of 132.73M against an estimate of 76.30M, resulting in a 73.95% surprise. The EPS was 2.79, surpassing the expected 2.78 by 0.36%. The stock experienced a -7% price change on the earnings day and a -14.79% change over the next five days, reflecting market reactions to the results.

Following PFBC's earnings announcement on 2026-01-22, the stock price moved by -7% on the day of the release. Over the subsequent five days, it saw a -14.79% change. Historically, PFBC's stock price tends to shift by an average of -3.31% in the 10 days leading up to earnings and -1.71% in the 10 days following, providing insight into potential market.

For 2026/Q1, analysts estimate PFBC's annual revenue to reach 72.16M, while the EPS is projected at 2.56. These estimates reflect recent revisions, with revenue estimates revised upward by 0.01% and EPS estimates revised upward by 0.03% over the past three months, indicating analyst expectation in the company's performance.

The correlation between PFBC's stock price and earnings forecast revisions shows that positive revisions in revenue or EPS often strengthen the stock's fundamentals. Over the past three months, revenue estimates for FY2025 were revised upward by 0.01%, while EPS estimates moved revised upward by 0.03%. This trend suggests that price dips could present buying opportunities for investors.

Based on historical trends, PFBC's stock price typically moves by -3.31% in the 10 days before its earnings and -1.71% in the 10 days after. For the upcoming 2026/Q1 earnings, analysts expect an EPS of 2.56 and revenue of 72.16M.

The earnings call reveals several concerns: a significant increase in criticized assets, a large classified loan relationship, and unclear management responses on resolving these issues. Despite stable margins and expected loan growth, the absence of strong guidance and potential risks from classified loans overshadow positive elements. The Q&A highlights competition and uncertainties in deposit costs, and a cautious stance on share repurchases. Without a market cap, the negative sentiment, coupled with potential investor concerns over asset quality, suggests a stock price decline of -2% to -8%.