NSP vs. PFBC

Last updated Apr 1, 2026

Compare and contrast key facts about Insperity, Inc. (NSP) and Preferred Bank (PFBC).

Performance

NSP vs. PFBC - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Insperity, Inc. (NSP) and Preferred Bank (PFBC). The values are adjusted to include any dividend payments, if applicable.

NSP vs. PFBC - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
NSP Insperity, Inc.	-28.20%	-47.78%	-32.13%	5.24%	-1.91%	50.15%	-3.06%	-6.75%	64.23%	66.60%
PFBC Preferred Bank	-3.15%	13.23%	22.73%	1.55%	6.50%	45.63%	-13.38%	42.14%	-25.14%	13.72%

Fundamentals

EPS NSP : -$0.28 PFBC : $10.51
PS Ratio NSP : 0.10 PFBC : 2.30
Total Revenue (TTM) NSP : $6.81B PFBC : $502.51M
Gross Profit (TTM) NSP : $900.00M PFBC : $277.77M
EBITDA (TTM) NSP : $53.00M PFBC : $190.91M

Returns By Period

In the year-to-date period, NSP achieves a -28.20% return, which is significantly lower than PFBC's -3.15% return. Over the past 10 years, NSP has underperformed PFBC with an annualized return of 2.91%, while PFBC has yielded a comparatively higher 14.64% annualized return.

NSP

• 1D: -1.82%
• 1M: 25.18%
• YTD: -28.20%
• 6M: -42.52%
• 1Y: -67.65%
• 3Y*: -37.07%
• 5Y*: -17.89%
• 10Y*: 2.91%

PFBC

• 1D: 0.98%
• 1M: 3.39%
• YTD: -3.15%
• 6M: 2.01%
• 1Y: 12.23%
• 3Y*: 22.69%
• 5Y*: 10.41%
• 10Y*: 14.64%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

NSP vs. PFBC — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

NSP

NSP Risk / Return Rank: 6
NSP Sharpe Ratio Rank: 2
NSP Sortino Ratio Rank: 3
NSP Omega Ratio Rank: 2
NSP Calmar Ratio Rank: 9
NSP Martin Ratio Rank: 12

PFBC

PFBC Risk / Return Rank: 55
PFBC Sharpe Ratio Rank: 58
PFBC Sortino Ratio Rank: 49
PFBC Omega Ratio Rank: 51
PFBC Calmar Ratio Rank: 57
PFBC Martin Ratio Rank: 58

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

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.

	NSP	PFBC	Difference
Sharpe ratio Return per unit of total volatility	-1.15	0.43	-1.58
Sortino ratio Return per unit of downside risk	-1.90	0.74	-2.64
Omega ratio Gain probability vs. loss probability	0.73	1.11	-0.38
Calmar ratio Return relative to maximum drawdown	-0.88	0.64	-1.52
Martin ratio Return relative to average drawdown	-1.41	1.70	-3.12
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

NSP vs. PFBC - Sharpe Ratio Comparison

The current NSP Sharpe Ratio is -1.15, which is lower than the PFBC Sharpe Ratio of 0.43. The chart below compares the historical Sharpe Ratios of NSP and PFBC, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	NSP	PFBC	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-1.15	0.43	-1.58
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.44	0.36	-0.80
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.06	0.42	-0.35
Sharpe Ratio (All Time) Calculated using the full available price history	0.14	0.08	+0.06

Correlation

The correlation between NSP and PFBC is 0.25, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

NSP vs. PFBC - Dividend Comparison

NSP's dividend yield for the trailing twelve months is around 8.88%, more than PFBC's 3.36% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
NSP Insperity, Inc.	8.88%	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	3.36%	3.18%	3.24%	3.01%	2.31%	2.01%	2.38%	2.00%	2.17%	1.29%	1.14%	1.39%

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.

Drawdown Indicators

	NSP	PFBC	Difference
Max Drawdown Largest peak-to-trough decline	-95.37%	-97.00%	+1.63%
Max Drawdown (1Y) Largest decline over 1 year	-76.38%	-18.58%	-57.80%
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 Drawdown Current decline from peak	-77.10%	-41.45%	-35.65%
Average Drawdown Average peak-to-trough decline	-38.00%	-55.20%	+17.20%
Ulcer Index Depth and duration of drawdowns from previous peaks	47.62%	6.93%	+40.69%

Volatility

NSP vs. PFBC - Volatility Comparison

Insperity, Inc. (NSP) has a higher volatility of 19.37% compared to Preferred Bank (PFBC) at 4.44%. 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.

Volatility by Period

	NSP	PFBC	Difference
Volatility (1M) Calculated over the trailing 1-month period	19.37%	4.44%	+14.93%
Volatility (6M) Calculated over the trailing 6-month period	46.52%	20.31%	+26.21%
Volatility (1Y) Calculated over the trailing 1-year period	59.13%	28.45%	+30.68%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	40.61%	29.14%	+11.47%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	45.05%	35.20%	+9.85%

Financials

NSP vs. PFBC - Profitability Comparison

The chart below illustrates the profitability comparison between Insperity, Inc. and Preferred Bank over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

NSP - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Insperity, Inc. reported a gross profit of 172.00M and revenue of 1.67B. Therefore, the gross margin over that period was 10.3%.

PFBC - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Preferred Bank reported a gross profit of 70.30M and revenue of 129.26M. Therefore, the gross margin over that period was 54.4%.

NSP - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Insperity, Inc. reported an operating income of -46.00M and revenue of 1.67B, resulting in an operating margin of -2.8%.

PFBC - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Preferred Bank reported an operating income of 49.39M and revenue of 129.26M, resulting in an operating margin of 38.2%.

NSP - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Insperity, Inc. reported a net income of -33.00M and revenue of 1.67B, resulting in a net margin of -2.0%.

PFBC - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Preferred Bank reported a net income of 34.82M and revenue of 129.26M, resulting in a net margin of 26.9%.