Preferred Bank (PFBC) — Cash Flow Quality Index
Preferred Bank (PFBC) has a Cash Flow Quality Index of 0.85x as of June 2026. Operating cash flow of $28.44 Million is below net income of $33.54 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore PFBC operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Preferred Bank Cash Flow Quality Index (2004–2025)
Historical Cash Flow Quality Index for Preferred Bank across 19 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see how efficiently does Preferred Bank generate cash.
Annual Cash Flow Quality Index for Preferred Bank (2004–2025)
Year-by-year earnings quality comparison for Preferred Bank.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.26x | $168.14 Million | $133.63 Million | ▼ -0.1% |
| 2024 | 1.26x | $164.52 Million | $130.66 Million | ▲ +7.7% |
| 2023 | 1.17x | $175.39 Million | $150.04 Million | ▲ +4.8% |
| 2022 | 1.12x | $143.76 Million | $128.84 Million | ▼ -11.2% |
| 2021 | 1.26x | $119.63 Million | $95.24 Million | ▼ -15.9% |
| 2020 | 1.49x | $103.77 Million | $69.47 Million | ▲ +34.9% |
| 2019 | 1.11x | $86.76 Million | $78.37 Million | ▼ -20.6% |
| 2018 | 1.39x | $99.01 Million | $70.99 Million | ▲ +13.8% |
| 2017 | 1.23x | $53.18 Million | $43.39 Million | ▼ -15.3% |
| 2016 | 1.45x | $52.63 Million | $36.37 Million | ▲ +52.4% |
| 2015 | 0.95x | $28.24 Million | $29.74 Million | ▼ -44.0% |
| 2014 | 1.70x | $41.70 Million | $24.59 Million | ▲ +6.5% |
| 2013 | 1.59x | $30.58 Million | $19.20 Million | ▲ +43.7% |
| 2012 | 1.11x | $26.46 Million | $23.87 Million | ▼ -46.1% |
| 2011 | 2.06x | $25.15 Million | $12.23 Million | ▲ +214.7% |
| 2007 | 0.65x | $17.29 Million | $26.47 Million | ▼ -45.1% |
| 2006 | 1.19x | $27.79 Million | $23.35 Million | ▲ +36.5% |
| 2005 | 0.87x | $14.68 Million | $16.82 Million | ▼ -20.6% |
| 2004 | 1.10x | $12.25 Million | $11.15 Million | — |