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Price (delayed)
$26.29
Market cap
$942.27M
P/E Ratio
13.35
Dividend/share
$1.24
EPS
$1.97
Enterprise value
$1.26B
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 11% year-on-year and by 4.1% since the previous quarter
Premier Financial's debt has decreased by 10% from the previous quarter
The P/E is 50% above the last 4 quarters average of 8.9 and 41% above the 5-year quarterly average of 9.5
PFC's EPS is down by 40% year-on-year and by 10% since the previous quarter
Key stats
What are the main financial stats of PFC
Market
Valuations
Earnings
Shares outstanding
35.84M
Market cap
$942.27M
Enterprise value
$1.26B
Price to earnings (P/E)
13.35
Price to book (P/B)
0.92
Price to sales (P/S)
3.83
EV/EBIT
14.28
EV/EBITDA
12.88
EV/Sales
5.12
Revenue
$246.23M
Gross profit
$246.23M
Net income
$70.7M
EBIT
$88.31M
EBITDA
$97.86M
Free cash flow
$92.58M
Per share
Balance sheet
Liquidity
EPS
$1.97
EPS diluted
$1.97
Free cash flow per share
$2.58
Book value per share
$28.43
Revenue per share
$6.87
TBVPS
$235.06
Total assets
$8.73B
Total liabilities
$7.71B
Debt
$443.68M
Equity
$1.02B
Working capital
N/A
Debt to equity
0.44
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
3.25
Margins
Efficiency
Dividend
EBITDA margin
39.7%
Gross margin
100%
Net margin
28.7%
Operating margin
35.9%
Return on assets
0.8%
Return on equity
7.2%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
35.9%
Dividend yield
4.72%
DPS
$1.24
Payout ratio
62.9%
PFC stock price
How has the Premier Financial stock price performed over time
Intraday
0.46%
1 week
-3.52%
1 month
-8.87%
1 year
8.64%
YTD
9.09%
QTD
11.97%
Financial performance
How have Premier Financial's revenue and profit performed over time
Revenue
$246.23M
Gross profit
$246.23M
Operating income
$88.31M
Net income
$70.7M
Gross margin
100%
Net margin
28.7%
The net income has contracted by 39% YoY and by 10% from the previous quarter
Premier Financial's operating income has decreased by 39% YoY and by 9% QoQ
The operating margin has declined by 23% year-on-year and by 7% since the previous quarter
Premier Financial's net margin has decreased by 23% YoY and by 8% from the previous quarter
Growth
What is Premier Financial's growth rate over time
Valuation
What is Premier Financial stock price valuation
P/E
13.35
P/B
0.92
P/S
3.83
EV/EBIT
14.28
EV/EBITDA
12.88
EV/Sales
5.12
The P/E is 50% above the last 4 quarters average of 8.9 and 41% above the 5-year quarterly average of 9.5
PFC's EPS is down by 40% year-on-year and by 10% since the previous quarter
The price to book (P/B) is 15% higher than the last 4 quarters average of 0.8 and 2.2% higher than the 5-year quarterly average of 0.9
PFC's equity is up by 11% year-on-year and by 4.1% since the previous quarter
PFC's price to sales (P/S) is 32% higher than its last 4 quarters average of 2.9 and 20% higher than its 5-year quarterly average of 3.2
Premier Financial's revenue has decreased by 22% YoY and by 2.1% from the previous quarter
Efficiency
How efficient is Premier Financial business performance
The ROE has contracted by 43% YoY and by 12% from the previous quarter
The company's return on assets fell by 43% YoY and by 11% QoQ
PFC's ROIC is down by 41% YoY and by 9% from the previous quarter
PFC's return on sales is down by 23% year-on-year and by 7% since the previous quarter
Dividends
What is PFC's dividend history
DPS
$1.24
Dividend yield
4.72%
Payout ratio
62.9%
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 56% less than its equity
The debt to equity has contracted by 12% from the previous quarter and by 10% YoY
PFC's equity is up by 11% year-on-year and by 4.1% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.