Preferred Bank Cash Flow - Annual (NASDAQ:PFBC)

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$37.53 $0.5 (1.35%) PFBC stock closing price Oct 25, 2016 (Closing)

The Preferred Bank cash flow statement is one of the important reports considered by investors doing a fundamental analysis of the company. While its important to look at the Preferred Bank debt position, the cash flow statement becomes equally important because public companies use accrual accounting. For example, if a company sells a product which gets counted as Preferred Bank revenue but does not convert to cash because it does not receive payment in the same quarter, it affects the cash position for that period. Preferred Bank stock analysis shows positive net income cash flow of $29.74M for 2015. This statement is important because profits alone cannot pay employees, or bills. Cash is required.   Preferred Bank had an outflow of $14.61M from operating activities, $267.62M inflow due to financing activities, and $177.62M spend due to investing activities for 2015. View details of Preferred Bank cash flows for latest & last ten financial years.

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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007
Preferred Bank Net Income Cash Flow
Depreciation Depletion Amortization Cash-Flow1.61M2.47M1.06M1.24M1.26M1.44M1.73M0.78M-0.85M
Net Increase (Decrease) in Assets Liabilities-5.98M9.34M2.3M-3.28M5.02M28.73M-35.59M-0.17M-12.77M
Cash From (used in) Discontinued Operations---------
Other Adjustments Net2.87M6.43M10.57M5.72M6.62M32.87M111.88M34.63M4.46M
Preferred Bank Net Cash from (used by) Operating Activities
Increase (Decrease) in Prop Plant And Equipment-2.09M-0.41M-0.5M-0.24M-0.1M-0.01M-0.28M-3.21M-3.58M
Acquisition Disposition of Subsidiaires3.11M--------
Increase (Decrease) in Investments-24.36M-18.86M46.91M-41.42M-42.47M-4.58M48.7M76.27M-284.64M
Other Cash Inflow (Outflow) from Investment Activities-449.91M-276.36M-177.01M-188.88M14.98M30.6M34.33M0.84M-
Preferred Bank Net Cash from (used by) Invesment Activities
Issuance (Purchase) of Equity Shares2.53M0.78M0.31M0.04M-70.04M16.92M-3.99M-12.77M
Issuance (Repayment) of Debt Securities6.63M-20M-25.99M----91M
Increase (Decrease) in Bank & Other Borrowings------23M-9M-53M-
Payment of Dividends & Other Cash Distributions-6.3M-1.34M-----0.78M-4.58M-7.09M
Other Cash from (used by) Financing Activities
Preferred Bank Net Cash from (used by) Financing Activities
Effect of Exchange Rate Changes on Cash---------
Preferred Bank Net Change in Cash & Cash Equivalents
Cash & Equivalents at Beginning of Year240.19M246.61M151.99M142.46M108.23M68.07M69.58M22.8M130.57M
Cash & Equivalents at Year End309.17M240.19M246.61M151.99M142.46M108.23M68.07M69.58M22.8M
All figures in USD. M: Millions of USD, B: Billions of USD.

Preferred Bank stock price history provides insight into historical stock price fluctuations, and Preferred Bank stock comparison chart enables peer comparison. Some of the key terms used in the statement of cash flows are:
  • Preferred Bank has cash of $309.17M on hand. A healthy amount of cash on hand is necessary for any company. Cash has an opportunity cost associated with it, and too much cash in bank may mean that the firm has no or limited growth plans. Hence its important to track the Net Change in Cash and Cash Equivalents along with the Preferred Bank stock price.
  • Cash Flow from operating activities: Operating activities include the core business activities. This line item refers to the cash generated from the same and stood at a positive value of $28.23M for PFBC.
  • Cash Flow from investment activities: Preferred Bank used $177.62M cash due to investment activities. It includes the use of cash outside of normal day to day activities like buying fixed assets, plant and machinery etc.
  • Cash Flow from financing activities: The cash inflow/outflow from financing activities was $514M for Preferred Bank. The money accounted for under this head comes from external sources which includes lenders, investors and shareholders. Positive cash flow is generated when the company gets cash because of issuance of stocks or bonds. Similarly negative cash flow is generated when shares are repurchased, dividend payments are made, and loans or interest on loans are paid back.

Key Financial Ratios For Preferred Bank Cash Flow

FCF margin