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PFC Premier Financial Corp

Price (delayed)

$23.965

Market cap

$858.87M

P/E Ratio

10.89

Dividend/share

$1.24

EPS

$2.2

Enterprise value

$1.19B

Premier Financial Corp., headquartered in Defiance, Ohio, is the holding company for Premier Bank and First Insurance Group. Premier Bank, headquartered in Youngstown, Ohio, operates 78 branches, 12 loan offices ...

Highlights
PFC's equity is up by 4.5% year-on-year
Premier Financial's debt has increased by 38% from the previous quarter but it has decreased by 13% YoY
The P/E is 45% above the last 4 quarters average of 7.2 and 12% above the 5-year quarterly average of 9.3
PFC's EPS is down by 35% year-on-year and by 29% since the previous quarter

Key stats

What are the main financial stats of PFC
Market
Shares outstanding
35.84M
Market cap
$858.87M
Enterprise value
$1.19B
Valuations
Price to book (P/B)
0.88
Price to sales (P/S)
3.41
EV/EBIT
12.27
EV/EBITDA
11.17
EV/Sales
4.75
Earnings
Revenue
$251.47M
EBIT
$97.42M
EBITDA
$107M
Free cash flow
$62.02M
Per share
EPS
$2.2
Free cash flow per share
$1.73
Book value per share
$27.34
Revenue per share
$7.02
TBVPS
$236.58
Balance sheet
Total assets
$8.78B
Total liabilities
$7.8B
Debt
$491.68M
Equity
$979.13M
Working capital
N/A
Liquidity
Debt to equity
0.5
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
3.14
Margins
EBITDA margin
42.6%
Gross margin
100%
Net margin
31.3%
Operating margin
38.7%
Efficiency
Return on assets
0.9%
Return on equity
8.2%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
38.7%
Dividend
Dividend yield
5.17%
DPS
$1.24
Payout ratio
56.4%

PFC stock price

How has the Premier Financial stock price performed over time
Intraday
4.11%
1 week
4.06%
1 month
1.63%
1 year
37.81%
YTD
-0.56%
QTD
2.07%

Financial performance

How have Premier Financial's revenue and profit performed over time
Revenue
$251.47M
Gross profit
$251.47M
Operating income
$97.42M
Net income
$78.72M
Gross margin
100%
Net margin
31.3%
Premier Financial's operating income has decreased by 35% YoY and by 30% QoQ
The net income has contracted by 34% YoY and by 29% from the previous quarter
Premier Financial's revenue has decreased by 22% YoY and by 16% from the previous quarter
PFC's gross profit is down by 22% year-on-year and by 16% since the previous quarter

Growth

What is Premier Financial's growth rate over time

Valuation

What is Premier Financial stock price valuation
P/E
10.89
P/B
0.88
P/S
3.41
EV/EBIT
12.27
EV/EBITDA
11.17
EV/Sales
4.75
The P/E is 45% above the last 4 quarters average of 7.2 and 12% above the 5-year quarterly average of 9.3
PFC's EPS is down by 35% year-on-year and by 29% since the previous quarter
The price to book (P/B) is 7% lower than the 5-year quarterly average of 0.9 but 5% higher than the last 4 quarters average of 0.8
PFC's equity is up by 4.5% year-on-year
PFC's price to sales (P/S) is 31% higher than its last 4 quarters average of 2.5 and 2.5% higher than its 5-year quarterly average of 3.2
Premier Financial's revenue has decreased by 22% YoY and by 16% from the previous quarter

Efficiency

How efficient is Premier Financial business performance
The ROE has contracted by 38% YoY and by 30% from the previous quarter
The company's return on assets fell by 36% YoY and by 31% QoQ
PFC's ROIC is down by 35% YoY and by 31% from the previous quarter
PFC's return on sales is down by 17% year-on-year and by 17% since the previous quarter

Dividends

What is PFC's dividend history
DPS
$1.24
Dividend yield
5.17%
Payout ratio
56.4%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did Premier Financial financials performed over time
The total assets is 13% more than the total liabilities
Premier Financial's debt is 50% less than its equity
The debt to equity has grown by 39% from the previous quarter but it has contracted by 17% YoY
Premier Financial's debt has increased by 38% from the previous quarter but it has decreased by 13% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified. Data from and Sharadar.