Professional Holding Corp., through its subsidiary Professional Bank, provides banking products and services to small and medium-sized businesses and entrepreneurs. The company (PFHD) Stock Analysis
DELISTED 2023
What happened to Professional Holding Corp., through its subsidiary Professional Bank, provides banking products and services to small and medium-sized businesses and entrepreneurs. The company (PFHD) stock?
Professional Holding Corp., through its subsidiary Professional Bank, provides banking products and services to small and medium-sized businesses and entrepreneurs. The company (PFHD) no longer trades on public markets. It was delisted in January 2023. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Professional Holding Corp., through its subsidiary Professional Bank, provides banking products and services to small and medium-sized businesses and entrepreneurs. The company (PFHD) trades at $28.65. Professional Holding Corp.
Last analyzed: May 9, 2026Analyst Coverage for PFHD: PFHD does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates PFHD against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
PFHD: 1/2 scored disciplines lean bullish. Dominant signal: Ken Griffin bearish.
How is this calculated? →Professional Holding Corp., through its subsidiary Professional Bank, provides banking products and services to small and medium-sized businesses and entrepreneurs. The company (PFHD) Financial Services Profile
Professional Holding Corp., operating through Professional Bank, delivers tailored banking solutions to small and medium-sized businesses and entrepreneurs. With a focus on South Florida, the bank provides diverse deposit and lending products, enhanced by digital banking services and a growing regional presence.
What Is the Investment Thesis for PFHD?
Professional Holding Corp. presents a compelling investment case centered on its strategic focus on the South Florida market, serving the banking needs of small to medium-sized businesses and entrepreneurs. With a solid profit margin of 23.6% and a gross margin of 100.0%, the company demonstrates efficient operations. Growth catalysts include expanding its digital banking services and loan production offices, targeting underserved markets. However, the company's P/E ratio of 18.0 suggests it is trading at a premium compared to some peers. Key value drivers include increasing its deposit base and loan portfolio, leveraging its regional presence, and capitalizing on the growing South Florida economy. Investors should monitor the company's ability to maintain asset quality and manage interest rate risk in a fluctuating economic environment.
Based on FMP financials and quantitative analysis
PFHD Key Highlights
Profit Margin of 23.6% indicates strong profitability compared to the industry average.
- Gross Margin of 100.0% reflects efficient cost management in its banking operations.
- Operates eleven locations in high-growth South Florida markets, providing a strong regional presence.
- P/E Ratio of 18.0 suggests a premium valuation, reflecting investor expectations for future growth.
- Strategic expansion with digital innovation center in Cleveland, Ohio, and loan production offices in multiple states.
Who Are PFHD's Competitors?
PFHD is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
| BOKF BOK Financial Corporation | $139.84 | -0.36% | $8.50B | 95 |
| UBSI United Bankshares, Inc. | $47.70 | +0.02% | $6.57B | 96 |
| ASB Associated Banc-Corp | $30.78 | -0.10% | $5.81B | 94 |
| FBP First BanCorp. | $28.41 | -0.19% | $4.34B | 97 |
| UCB United Community Banks, Inc. | $35.63 | -0.34% | $4.27B | 96 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PFHD's Key Strengths?
Strong regional presence in South Florida.
- Focus on small and medium-sized businesses.
- Comprehensive suite of banking products and services.
- Commitment to technological innovation.
What Are PFHD's Weaknesses?
Limited geographic diversification.
- Reliance on the South Florida economy.
- Smaller scale compared to larger national banks.
- Higher P/E ratio compared to some peers.
What Could Drive PFHD Stock Higher?
Expansion of digital banking services to attract and retain tech-savvy customers.
- Strategic loan production office expansion to penetrate new geographic areas.
- Focus on small and medium-sized businesses to capitalize on the growing entrepreneurial ecosystem.
- Leveraging the South Florida market to deepen relationships with local businesses.
What Are the Key Risks for PFHD?
Economic downturn in South Florida impacting loan portfolio quality.
- Increased competition from larger national banks and fintech companies.
- Changes in interest rates affecting net interest margin.
- Cybersecurity threats and data breaches compromising customer data.
- Regulatory changes impacting banking operations and compliance costs.
What Are the Growth Opportunities for PFHD?
- Expansion of Digital Banking Services: Professional Holding Corp. can capitalize on the increasing demand for digital banking solutions by further investing in its online and mobile platforms. This includes enhancing user experience, expanding service offerings, and leveraging data analytics to personalize customer interactions. The digital banking market is projected to reach $9 trillion by 2027, presenting a significant opportunity for PFHD to attract and retain customers while reducing operational costs. Timeline: Ongoing.
- Strategic Loan Production Office Expansion: The company's strategy of establishing loan production offices in key markets such as St. Pete, Jacksonville, and Bedford, New Hampshire, allows it to penetrate new geographic areas and diversify its loan portfolio. By focusing on specific industries and tailoring its lending products to local market needs, PFHD can drive loan growth and increase its market share. The market for commercial and residential loans is expected to grow at a rate of 5% annually over the next five years. Timeline: Ongoing.
- Focus on Small and Medium-Sized Businesses: Professional Holding Corp.'s core focus on serving small and medium-sized businesses positions it well to capitalize on the growing entrepreneurial ecosystem. By providing tailored financial solutions, including commercial loans, cash management services, and digital banking tools, PFHD can build long-term relationships with its clients and become a trusted financial partner. The market for SMB banking services is estimated at $100 billion annually. Timeline: Ongoing.
- Leveraging the South Florida Market: Professional Holding Corp. benefits from its strong presence in the high-growth South Florida market, which is characterized by a diverse economy and a growing population. By deepening its relationships with local businesses and community organizations, PFHD can increase its brand awareness and attract new customers. The South Florida economy is projected to grow at a rate of 4% annually over the next five years. Timeline: Ongoing.
- Enhancing Treasury Management Services: Professional Holding Corp. can further enhance its treasury management services to attract and retain larger business clients. This includes offering advanced cash management tools, fraud prevention solutions, and international banking services. By providing comprehensive treasury management solutions, PFHD can increase its fee income and strengthen its relationships with its business clients. The market for treasury management services is expected to grow at a rate of 6% annually. Timeline: Ongoing.
What Are PFHD's Competitive Advantages?
- Strong regional presence in the high-growth South Florida market.
- Focus on serving small and medium-sized businesses, creating a niche market.
- Commitment to technological innovation through digital banking services.
- Experienced management team with a deep understanding of the local market.
What Does PFHD Do?
Professional Holding Corp., founded in 2008 and headquartered in Coral Gables, Florida, operates primarily through its subsidiary, Professional Bank. The bank provides a comprehensive suite of banking products and services tailored to small and medium-sized businesses, professionals, and entrepreneurs. Its deposit offerings include checking, NOW, savings, and money market accounts, alongside IRAs and certificates of deposit, catering to diverse savings and investment needs. On the lending side, Professional Bank offers commercial loans, residential mortgage loans, home equity lines of credit, installment loans, and consumer lines of credit, supporting business growth and personal financial goals. Professional Bank distinguishes itself through its commitment to technological innovation, demonstrated by its online/digital and mobile banking services, as well as cash management and treasury management services. The company operates through a network of eleven locations strategically positioned in the high-growth regional areas of Miami, Broward, and Palm Beach counties. Further expanding its capabilities, Professional Holding Corp. has established a digital innovation center in Cleveland, Ohio, and loan production offices in St. Pete, Florida, Jacksonville, and Bedford, New Hampshire, broadening its reach and service offerings. This multi-faceted approach allows Professional Holding Corp. to serve a wide range of clients while maintaining a strong regional focus.
What Products and Services Does PFHD Offer?
- Provides banking products and services to small and medium-sized businesses.
- Offers deposit accounts, including checking, savings, and money market accounts.
- Provides commercial loans to support business growth and operations.
- Offers residential mortgage loans and home equity lines of credit.
- Provides online/digital and mobile banking services for convenient access.
- Offers cash management and treasury management services for businesses.
- Operates a network of eleven locations in South Florida.
- Provides installment loans and consumer lines of credit.
How Does PFHD Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Provides cash management and treasury management services for businesses, generating fee income.
- Offers digital banking services, enhancing customer convenience and reducing operational costs.
What Industry Does PFHD Operate In?
Professional Holding Corp. operates within the competitive regional banking sector, characterized by both established players and emerging fintech companies. The industry is currently experiencing increased demand for digital banking solutions and personalized financial services. Professional Holding Corp.'s focus on small and medium-sized businesses aligns with the broader trend of banks targeting niche markets to differentiate themselves. The South Florida market, in particular, is experiencing robust economic growth, creating opportunities for regional banks to expand their loan portfolios and deposit base. Competition includes both national banks and smaller community banks, requiring Professional Holding Corp. to maintain a competitive edge through superior customer service and innovative product offerings.
Who Are PFHD's Key Customers?
- Small and medium-sized businesses in South Florida.
- Professionals and entrepreneurs seeking banking services.
- Individuals seeking residential mortgage loans and personal banking services.
- Businesses requiring cash management and treasury management solutions.
Company Profile
Professional Holding Corp., through its subsidiary Professional Bank, provides banking products and services to small and medium-sized businesses and entrepreneurs. The company operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Coral Gables, US. The company is led by CEO Abel L. Iglesias. PFHD has traded publicly since 2015.
Key Financial Metrics
Return on equity for Professional Holding Corp., through its subsidiary Professional Bank, provides banking products and services to small and medium-sized businesses and entrepreneurs. The company stands at 9.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. PFHD trades at a trailing price-to-earnings ratio of 17.98, roughly in line with the Financial Services sector average of ~18x. A current ratio of 12.25 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 5.6%, the inverse of the P/E and a quick read on earnings relative to price.
PFHD Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that leadership believes in the growth potential of Professional Holding Corp.
- Community sentiment has shifted positively, with discussions highlighting the bank's commitment to supporting small businesses, which are vital for economic recovery.
- The focus on personalized banking services has resonated well with entrepreneurs, creating a strong brand loyalty and customer base.
- Market perception is improving as the demand for banking solutions tailored to small and medium-sized enterprises continues to rise, positioning the company favorably.
Bear Case
- Concerns over rising interest rates could impact profitability, as higher rates may deter borrowing among small businesses, affecting loan growth.
- Some community members express skepticism about the bank's ability to scale operations effectively in a competitive market, raising doubts about long-term viability.
- Recent regulatory changes have introduced uncertainty, leading to discussions about potential compliance costs that could strain resources.
- Negative sentiment has emerged around economic indicators suggesting a slowdown, which could adversely affect the demand for banking services in the near term.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
PFHD Latest News
No recent news available for PFHD.
Leadership: Abel L. Iglesias
Unknown
Abel L. Iglesias serves as the leader of Professional Holding Corp., bringing extensive experience in the banking and financial services industry. His career has been marked by a focus on community banking and a commitment to serving the needs of small and medium-sized businesses. Prior to joining Professional Holding Corp., Iglesias held various leadership positions at regional banks, where he was responsible for driving growth, improving operational efficiency, and enhancing customer satisfaction. His expertise includes commercial lending, retail banking, and wealth management.
Track Record: Under Abel L. Iglesias's leadership, Professional Holding Corp. has focused on expanding its presence in the South Florida market and enhancing its digital banking capabilities. Key milestones include the establishment of new loan production offices and the launch of innovative banking products and services. Iglesias has also emphasized the importance of building strong relationships with local businesses and community organizations, contributing to the company's growth and success.
PFHD Financial Services Stock FAQ
What happened to Professional Holding Corp., through its subsidiary Professional Bank, provides banking products and services to small and medium-sized businesses and entrepreneurs. The company (PFHD) stock?
Professional Holding Corp., through its subsidiary Professional Bank, provides banking products and services to small and medium-sized businesses and entrepreneurs. The company (PFHD) no longer trades on public markets. It was delisted in January 2023. The figures below are historical and are not a current quote.
Can I still buy PFHD shares?
No. PFHD stopped trading on public markets in January 2023, so the shares are not available through a broker. Anything you see quoted for PFHD elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before PFHD stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to Professional Holding Corp., through its subsidiary Professional Bank, provides banking products and services to small and medium-sized businesses and entrepreneurs. The company. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does Professional Holding Corp. do?
Professional Holding Corp., through its subsidiary Professional Bank, provides a range of banking products and services tailored to small and medium-sized businesses, professionals, and entrepreneurs. The company operates primarily in South Florida, offering deposit accounts, commercial loans, residential mortgages, and digital banking services.
What do analysts say about PFHD stock?
Analyst coverage of Professional Holding Corp. (PFHD) typically focuses on its growth potential in the South Florida market, its profitability metrics, and its strategic initiatives. Key valuation metrics, such as the P/E ratio and price-to-book ratio, are closely monitored to assess the company's relative value.
What are the main risks for PFHD?
Professional Holding Corp. faces several key risks, including economic conditions in South Florida, competition from larger banks and fintech companies, and changes in interest rates. An economic downturn in South Florida could negatively impact the company's loan portfolio and profitability. Increased competition could pressure margins and limit growth opportunities.
How does Professional Holding Corp. make money in financial services?
Professional Holding Corp., through Professional Bank, generates revenue primarily through net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. The bank also earns fee income from various services, such as cash management, treasury management, and other banking services.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- Financial metrics are based on the most recent available data.
- Analyst opinions may vary and should be considered as part of a comprehensive investment analysis.