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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
Valuations
Earnings
Shares outstanding
35.84M
Market cap
$858.87M
Enterprise value
$1.19B
Price to earnings (P/E)
10.89
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
Revenue
$251.47M
EBIT
$97.42M
EBITDA
$107M
Free cash flow
$62.02M
Per share
Balance sheet
Liquidity
EPS
$2.2
Free cash flow per share
$1.73
Book value per share
$27.34
Revenue per share
$7.02
TBVPS
$236.58
Total assets
$8.78B
Total liabilities
$7.8B
Debt
$491.68M
Equity
$979.13M
Working capital
N/A
Debt to equity
0.5
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
3.14
Margins
Efficiency
Dividend
EBITDA margin
42.6%
Gross margin
100%
Net margin
31.3%
Operating margin
38.7%
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 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.