PFC Premier Financial Corp

Price (delayed)

$20.22

Market cap

$722.52M

P/E Ratio

6.2

Dividend/share

$1.24

EPS

$3.26

Enterprise value

$1.05B

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
The P/E is 40% below the 5-year quarterly average of 10.1 and 11% below the last 4 quarters average of 6.8
Premier Financial's debt has decreased by 21% from the previous quarter and by 16% YoY
PFC's EPS is up by 15% year-on-year but it is down by 3% since the previous quarter
The net income has grown by 14% YoY but it has contracted by 2.9% from the previous quarter

Key stats

What are the main financial stats of PFC
Market
Shares outstanding
35.73M
Market cap
$722.52M
Enterprise value
$1.05B
Valuations
Price to book (P/B)
0.79
Price to sales (P/S)
2.3
EV/EBIT
7.21
EV/EBITDA
6.74
EV/Sales
3.35
Earnings
Revenue
$314.21M
EBIT
$145.84M
EBITDA
$156.05M
Free cash flow
$102.62M
Per share
EPS
$3.26
Free cash flow per share
$2.87
Book value per share
$25.74
Revenue per share
$8.79
TBVPS
$231.01
Balance sheet
Total assets
$8.56B
Total liabilities
$7.64B
Debt
$446.98M
Equity
$919.57M
Working capital
N/A
Liquidity
Debt to equity
0.49
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.11
Margins
EBITDA margin
49.7%
Gross margin
100%
Net margin
37.1%
Operating margin
46.4%
Efficiency
Return on assets
1.4%
Return on equity
12.7%
Return on invested capital
1.7%
Return on capital employed
N/A
Return on sales
46.4%
Dividend
Dividend yield
6.13%
DPS
$1.24
Payout ratio
38%

PFC stock price

How has the Premier Financial stock price performed over time
Intraday
2.54%
1 week
1.15%
1 month
18.59%
1 year
-29.67%
YTD
-25.03%
QTD
18.52%

Financial performance

How have Premier Financial's revenue and profit performed over time
Revenue
$314.21M
Gross profit
$314.21M
Operating income
$145.84M
Net income
$116.5M
Gross margin
100%
Net margin
37.1%
Premier Financial's operating income has increased by 15% YoY but it has decreased by 3.1% QoQ
The net income has grown by 14% YoY but it has contracted by 2.9% from the previous quarter
PFC's gross profit is up by 9% year-on-year but it is down by 2.4% since the previous quarter
Premier Financial's revenue has increased by 9% YoY but it has decreased by 2.4% from the previous quarter

Growth

What is Premier Financial's growth rate over time

Valuation

What is Premier Financial stock price valuation
P/E
6.2
P/B
0.79
P/S
2.3
EV/EBIT
7.21
EV/EBITDA
6.74
EV/Sales
3.35
The P/E is 40% below the 5-year quarterly average of 10.1 and 11% below the last 4 quarters average of 6.8
PFC's EPS is up by 15% year-on-year but it is down by 3% since the previous quarter
The price to book (P/B) is 23% lower than the 5-year quarterly average of 1.0 and 3.8% lower than the last 4 quarters average of 0.8
PFC's equity is up by 6% year-on-year
PFC's price to sales (P/S) is 34% lower than its 5-year quarterly average of 3.4 and 7% lower than its last 4 quarters average of 2.4
Premier Financial's revenue has increased by 9% YoY but it has decreased by 2.4% from the previous quarter

Efficiency

How efficient is Premier Financial business performance
The ROE has grown by 15% YoY but it has contracted by 4.5% from the previous quarter
The company's return on assets rose by 8% YoY
PFC's return on sales is up by 6% year-on-year
PFC's ROIC is up by 6% YoY

Dividends

What is PFC's dividend history
DPS
$1.24
Dividend yield
6.13%
Payout ratio
38%
Recent dividends

Financial health

How did Premier Financial financials performed over time
The total assets is 12% more than the total liabilities
The total liabilities is up by 3.7% year-on-year
The total assets has grown by 4% YoY
Premier Financial's debt is 51% less than its equity
Premier Financial's debt has decreased by 21% from the previous quarter and by 16% YoY
The debt to equity has contracted by 20% YoY and by 18% from the previous quarter

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