DDM Analysis: PFBC

Valuation Snapshot

Stable Growth	$278.58 - $1,001.75	$463.35
Multi-Stage	$178.16 - $194.70	$186.28
Blended Fair Value	$324.81
Current Price	$90.39
Upside	259.35%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	15.44%	39.45%	2.85	2.37	1.91	1.63	1.36	1.39	1.19	0.84	0.64	0.48
YoY Growth	-	-	20.41%	23.87%	17.34%	19.59%	-2.04%	17.04%	41.58%	30.79%	33.89%	367.51%
Dividend Yield	-	-	3.41%	3.11%	3.49%	2.20%	2.14%	4.11%	2.61%	1.31%	1.20%	1.59%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	129.03
(-) Cash Dividends Paid (M)	38.28
(=) Cash Retained (M)	90.75

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	25.81	16.13	9.68
Cash Retained (M)	90.75	90.75	90.75
(-) Cash Required (M)	-25.81	-16.13	-9.68
(=) Excess Retained (M)	64.95	74.62	81.08
(/) Shares Outstanding (M)	13.14	13.14	13.14
(=) Excess Retained per Share	4.94	5.68	6.17
LTM Dividend per Share	2.91	2.91	2.91
(+) Excess Retained per Share	4.94	5.68	6.17
(=) Adjusted Dividend	7.85	8.59	9.08
WACC / Discount Rate	8.47%	8.47%	8.47%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$278.58	$463.35	$1,001.75
Upside / Downside	208.20%	412.62%	1,008.25%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	129.03	137.42	146.35	155.86	165.99	176.78	182.09
Payout Ratio	29.67%	41.73%	53.80%	65.87%	77.93%	90.00%	92.50%
Projected Dividends (M)	38.28	57.35	78.74	102.66	129.36	159.11	168.43

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.47%	8.47%	8.47%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	52.37	52.87	53.36
Year 2 PV (M)	65.66	66.91	68.18
Year 3 PV (M)	78.19	80.43	82.72
Year 4 PV (M)	89.97	93.43	96.99
Year 5 PV (M)	101.06	105.94	111.00
PV of Terminal Value (M)	1,954.08	2,048.47	2,146.46
Equity Value (M)	2,341.33	2,448.05	2,558.72
Shares Outstanding (M)	13.14	13.14	13.14
Fair Value	$178.16	$186.28	$194.70
Upside / Downside	97.10%	106.08%	115.40%

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Preferred Bank (PFBC)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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