GS
The Goldman Sachs Group, Inc.
GS has the edge over PFBC overall, supported by stronger fundamentals and stronger valuation.
PFBC
Preferred Bank
PFBC has slightly lower modeled downside risk, despite its lower overall score.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
PFBC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
PFBC's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like PFBC.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
PFBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.9x | $76.02 | -27% |
| Fair | 9.2x | $101 | -2.4% |
| Forward | 9.2x | $103 | — |
| Current | 9.5x | $103 | — |
| Expensive | 12x | $131 | +26% |
Historical ranges are pointers, not guarantees.
PFBC has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
PFBC Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for PFBC, with profitability improving.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over PFBC on earnings, with more consistent year-over-year improvement.
PFBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $11.25 | +2.9% |
| Q2 2026 | $10.94 | +15% |
| Q1 2026 | $10.73 | +14% |
| Q4 2025 | $10.43 | +8.3% |
| Q3 2025 | $9.89 | -0.9% |
| Q2 2025 | $9.51 | -7% |
| Q1 2025 | $9.42 | -9.1% |
| Q4 2024 | $9.63 | -8.5% |
| Q3 2024 | $9.98 | -6.2% |
PFBC earned $10.94 per share over the past year, up 15% from the year before.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over PFBC on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
PFBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $125.7M | +1.2% |
| Q1 2026 | $120.8M | +1.9% |
| Q4 2025 | $129.3M | +1.6% |
| Q3 2025 | $130.5M | -1.8% |
| Q2 2025 | $124.2M | -5% |
| Q1 2025 | $118.5M | -8.5% |
| Q4 2024 | $127.3M | +2.9% |
| Q3 2024 | $132.9M | +3.4% |
PFBC's revenue grew through 2023 and has held roughly level since: $126M last quarter, up 1.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 39% | +1.1 points |
| Q1 2026 | 37% | +1 points |
| Q4 2025 | 38% | +4.8 points |
| Q3 2025 | 39% | +3.7 points |
| Q2 2025 | 38% | +1.3 points |
| Q1 2025 | 36% | -0.5 points |
| Q4 2024 | 33% | -7.1 points |
| Q3 2024 | 35% | -6.2 points |
PFBC has the edge over GS on profitability, with a higher operating margin.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
PFBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $26.6M | +4.3% |
| Q1 2026 | $44.3M | 0% |
| Q4 2025 | $86.2M | +116% |
| Q3 2025 | $10.8M | -81% |
| Q2 2025 | $25.5M | -0.8% |
| Q1 2025 | $44.3M | +4.7% |
| Q4 2024 | $39.8M | +$41M |
| Q3 2024 | $55.8M | -5.4% |
PFBC has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has 301M diluted shares, down 4.4% from a year ago, with $15B in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
PFBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2% | -243K shares |
| 1 year | -7.6% | -990K shares |
| 3 years | -17% | -2.5M shares |
| 5 years | -19% | -2.9M shares |
| Available history | -20% | -3M shares |
PFBC has the edge over GS on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | $101,000 |
| Q1 2026 | $41.4M |
| Q4 2025 | $16.3M |
| Q3 2025 | $6.4M |
| Q2 2025 | $57.2M |
| Q1 2025 | $13.2M |
| Q4 2024 | $6.5M |
| Q3 2024 | $5.4M |
PFBC spent $64M buying back its own shares over the past year, down 22% from the year before.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over PFBC on leverage, with a lower net debt burden relative to earnings.
PFBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -1.9x | Net Cash |
| Q1 2026 | -2.2x | Net Cash |
| Q4 2025 | -2.2x | Net Cash |
| Q3 2025 | -2.3x | Net Cash |
| Q2 2025 | -2.2x | Net Cash |
| Q1 2025 | -4.0x | Net Cash |
| Q4 2024 | -3.2x | Net Cash |
| Q3 2024 | -3.1x | Net Cash |
PFBC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like PFBC.
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
PFBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.5 | Neutral |
| Stochastic | 33.4 | Neutral |
PFBC's weekly RSI is 52 (neutral) and its Stochastic is 33 (neutral).
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
PFBC PE vs Financial Services Sector
| Metric | PFBC | Sector median | Relative |
|---|---|---|---|
| PE | 9.5x | 13x | 27% below |
| PE % | 52 | 63 | 11 pts below |
PFBC has the edge over GS on valuation relative to its sector.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
PFBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $105.2 | 1.7% below |
| 20 week MA | $105.2 | 1.6% below |
| 50 week MA | $98.4 | 5.1% above |
| 100 week MA | $93.0 | 11% above |
| 200 week MA | $81.5 | 27% above |
PFBC has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 27% above its 200-week average.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.
PFBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $59.8 | $48.6 | -19% |
| 2021 | $48.6 | $69.7 | +43% |
| 2022 | $69.7 | $75.0 | +7.7% |
| 2023 | $75.0 | $73.1 | -2.7% |
| 2024 | $73.1 | $86.7 | +19% |
| 2025 | $86.7 | $99.0 | +14% |
| 2026 YTD | $99.0 | $103.5 | +4.5% |
PFBC has the edge over GS on returns for 2026, with the stronger performance.