NSP vs. PFBC
NSP (Insperity, Inc.) and PFBC (Preferred Bank) are both stocks. NSP operates in Staffing & Employment Services (Industrials), while PFBC operates in Banks - Regional (Financial Services). Over the past 10 years, NSP returned 6.86%/yr vs 15.59%/yr for PFBC. Their 0.24 correlation means their historical movements had little consistent relationship.
Performance
NSP vs. PFBC - Performance Comparison
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Returns By Period
In the year-to-date period, NSP achieves a 36.83% return, which is significantly higher than PFBC's 13.35% return. Over the past 10 years, NSP has underperformed PFBC with an annualized return of 6.86%, while PFBC has yielded a comparatively higher 15.59% annualized return.
NSP
- 1D
- -6.33%
- 1M
- 11.55%
- 6M
- 23.99%
- YTD
- 36.83%
- 1Y
- 20.89%
- 3Y*
- -16.24%
- 5Y*
- -9.35%
- 10Y*
- 6.86%
- ALL TIME*
- 9.89%
PFBC
- 1D
- -0.05%
- 1M
- -1.81%
- 6M
- 23.75%
- YTD
- 13.35%
- 1Y
- 21.16%
- 3Y*
- 20.19%
- 5Y*
- 15.83%
- 10Y*
- 15.59%
- ALL TIME*
- 4.00%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $38.98M | $34.22M | $29.37M | |
PFBC Preferred Bank | $13.98M | $12.23M | $12.10M |
NSP vs. PFBC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
NSP Insperity, Inc. | 36.83% | -47.78% | -32.13% | 5.24% | -1.91% | 50.15% | -3.06% | -6.75% | 64.23% | 66.60% |
PFBC Preferred Bank | 13.35% | 13.23% | 22.73% | 1.55% | 6.50% | 45.63% | -13.38% | 42.14% | -25.14% | 13.72% |
Correlation
The correlation between NSP and PFBC is 0.24, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.24 |
Correlation (3Y) Balances recent behavior with more history. | 0.31 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.39 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.39 |
Correlation (All Time) Calculated using the full available price history since Aug 19, 1999 | 0.24 |
The correlation between NSP and PFBC shifts across timeframes, from 0.24 (1 year) to 0.39 (10 years), reflecting how their relationship changes across market environments.
Fundamentals
NSP:
$1.93B
PFBC:
$1.24B
NSP:
-$0.56
PFBC:
$10.96
NSP:
0.44
PFBC:
2.55
NSP:
$3.29B
PFBC:
$506.34M
NSP:
$886.00M
PFBC:
$282.63M
NSP:
$42.00M
PFBC:
$194.71M
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Return for Risk
NSP vs. PFBC — Risk / Return Rank
NSP
PFBC
NSP vs. PFBC - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Insperity, Inc. (NSP) and Preferred Bank (PFBC). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| NSP | PFBC | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.90 | ||
| Sortino ratioReturn per unit of downside risk | -0.81 | ||
| Omega ratioGain probability vs. loss probability | 1.04 | 1.16 | -0.12 |
| Calmar ratioReturn relative to maximum drawdown | -0.14 | 1.02 | -1.15 |
| Martin ratioReturn relative to average drawdown | -0.26 | 2.75 | -3.01 |
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Drawdowns
NSP vs. PFBC - Drawdown Comparison
The maximum NSP drawdown since its inception was -95.37%, roughly equal to the maximum PFBC drawdown of -97.00%. Use the drawdown chart below to compare losses from any high point for NSP and PFBC.
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Drawdown Indicators
| NSP | PFBC | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -95.37% | -97.00% | +1.63% |
Max Drawdown (1Y)Largest decline over 1 year | -62.58% | -18.58% | -44.00% |
Max Drawdown (3Y)Largest decline over 3 years | -81.52% | -20.72% | -60.80% |
Max Drawdown (5Y)Largest decline over 5 years | -82.82% | -43.73% | -39.09% |
Max Drawdown (10Y)Largest decline over 10 years | -83.15% | -57.18% | -25.97% |
Current DrawdownCurrent decline from peak | -56.36% | -31.48% | -24.88% |
Average DrawdownAverage peak-to-trough decline | -38.34% | -54.95% | +16.61% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 36.11% | 6.87% | +29.24% |
Volatility
NSP vs. PFBC - Volatility Comparison
Insperity, Inc. (NSP) has a higher volatility of 15.07% compared to Preferred Bank (PFBC) at 6.36%. This indicates that NSP's price experiences larger fluctuations and is considered to be riskier than PFBC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| NSP | PFBC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 15.07% | 6.36% | +8.71% |
Volatility (6M)Calculated over the trailing 6-month period | 56.48% | 14.06% | +42.42% |
Volatility (1Y)Calculated over the trailing 1-year period | 70.21% | 24.36% | +45.85% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 44.69% | 28.65% | +16.04% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 46.59% | 34.92% | +11.67% |
Dividends
NSP vs. PFBC - Dividend Comparison
NSP's dividend yield for the trailing twelve months is around 4.74%, more than PFBC's 3.02% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
NSP Insperity, Inc. | 4.74% | 6.20% | 3.06% | 1.90% | 1.77% | 3.18% | 1.97% | 1.39% | 0.86% | 2.75% | 1.37% | 1.77% |
PFBC Preferred Bank | 3.02% | 3.18% | 3.24% | 3.01% | 2.31% | 2.01% | 2.38% | 2.00% | 2.17% | 1.29% | 1.14% | 1.39% |
Financials
NSP vs. PFBC - Financials Comparison
This section allows you to compare key financial metrics between Insperity, Inc. and Preferred Bank. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
NSP vs. PFBC - Profitability Comparison
NSP - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Insperity, Inc. reported a gross profit of 228.00M and revenue of -1.90B. Therefore, the gross margin over that period was -12.0%.
PFBC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Preferred Bank reported a gross profit of 72.09M and revenue of 125.75M. Therefore, the gross margin over that period was 57.3%.
NSP - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Insperity, Inc. reported an operating income of 6.00M and revenue of -1.90B, resulting in an operating margin of -0.3%.
PFBC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Preferred Bank reported an operating income of 48.56M and revenue of 125.75M, resulting in an operating margin of 38.6%.
NSP - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Insperity, Inc. reported a net income of 4.00M and revenue of -1.90B, resulting in a net margin of -0.2%.
PFBC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Preferred Bank reported a net income of 33.54M and revenue of 125.75M, resulting in a net margin of 26.7%.
Frequently Asked Questions
NSP and PFBC have a correlation of 0.24, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
NSP has higher volatility (15.07%) compared to PFBC (6.36%). In terms of maximum drawdown, NSP dropped -95.37% vs PFBC's -97.00%.
PFBC currently has the higher Sharpe Ratio (0.78 vs -0.12), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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