Goldman Sachs BDC vs Preferred Bank

Goldman Sachs BDC Inc and Preferred Bank are compared on this page, offering a neutral view of their business models, financial performance, and market context. The analysis highlights how each organisation approaches funding, governance, risk, and growth within their sectors. Educational content, not financial advice.

Goldman Sachs BDC Inc and Preferred Bank are compared on this page, offering a neutral view of their business models, financial performance, and market context. The analysis highlights how each organi...

Investment Analysis

Goldman Sachs BDC

GSBD

Pros

Offers a high base dividend yield around 10.85% to 13.83%, including special and supplemental dividends, appealing for income-focused investors.
Reports strong earnings per share performance with recent quarterly results exceeding analyst estimates and demonstrating effective income generation.
Operates a focused investment strategy in middle-market secured and unsecured debt, leveraging Goldman Sachs’ origination platform and selective deal evaluation.

Considerations

Recent slight declines in net asset value (NAV) per share suggest potential capital erosion risks alongside the income focus.
Stock has experienced a notable price decline of approximately 19.3% over the past year, indicating market pressure or sentiment challenges.
Reported mild revenue shortfalls relative to expectations point to some volatility in investment income despite earnings strength.

Preferred Bank

PFBC

Pros

Preferred Bank has a strong regional niche with focus on high-growth demographic segments in California and the U.S. West Coast.
Maintains a solid capital position and conservative balance sheet metrics, supporting credit quality and regulatory compliance.
Experienced consistent loan growth driven by small- and medium-sized business banking, contributing to sustainable revenue streams.

Considerations

Exposure to regional economic fluctuations and real estate market cyclicality increases earnings volatility risk.
Faces competitive pressures from larger national banks and fintech entrants targeting the same customer segments.
Loan portfolio concentration in commercial real estate may elevate vulnerability to downturns in property markets or credit stress.

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Which Baskets Do They Appear In?

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Which Baskets Do They Appear In?

Private Market Liquidity: Could Goldman's Move Signal?

Private Market Liquidity: Could Goldman's Move Signal?

Goldman Sachs' acquisition of Industry Ventures for nearly $1 billion signals a strategic push by major financial players into the growing venture capital secondary market. This development suggests a broader investment opportunity among asset managers and service providers poised to benefit from the increasing demand for liquidity in private markets.

Published: October 14, 2025

Banks in Private Credit

Banks in Private Credit

This carefully selected group of stocks captures the trillion-dollar shift as traditional banks enter the private lending arena. Our professional analysts have identified key Business Development Companies (BDCs) and specialized funds that stand to benefit from this growing financial trend.

Published: July 15, 2025

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Published: July 15, 2025

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Frequently asked questions

About The Companies

Goldman Sachs BDC (GSBD)

Goldman Sachs BDC Inc (GSBD) is a publicly listed business development company managed by an experienced asset manager. It focuses on lending to and investing in middle-market companies, typically through senior secured loans, mezzanine financings and occasional equity participations. GSBD aims to deliver income to shareholders via interest, fees and realised gains, but its share price can be volatile and dividends are not guaranteed. With a market capitalisation around $1.13bn, it may appeal to investors seeking yield and exposure to private-company credit — provided they are comfortable with credit risk, leverage, and potential liquidity constraints. Key considerations include the credit quality of the loan portfolio, manager performance, the interest-rate environment and regulatory factors. This summary is for educational purposes only and is not personalised investment advice; any decision should follow your own research or consultation with a financial adviser.

Preferred Bank (PFBC)

Preferred Bank (PFBC) is a US regional commercial bank with a market capitalisation around $1.13bn. It operates primarily through deposit-taking and lending operations, serving small and medium-sized businesses and private clients. For investors, the key attractions are the bank’s sensitivity to interest-rate movements, its ability to expand lending and deposit balances, and any progress on controlling credit costs. Performance typically hinges on net interest margin, loan growth, fee income and asset quality. Risks include credit losses, deposit volatility, regulatory oversight and competition from larger banks and non-bank lenders. As a smaller-cap regional bank, PFBC can offer higher growth potential but with greater volatility compared with larger diversified banks. This overview is educational and not personal advice; values can rise or fall and past performance is not a guide to the future. Investors should assess how a regional-bank holding fits their risk tolerance and consider seeking independent financial advice.