PFC Premier Financial Corp

Price (delayed)

$21.3

Market cap

$762.82M

P/E Ratio

6.87

Dividend/share

$1.24

EPS

$3.1

Enterprise value

$1.03B

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
Premier Financial's debt has plunged by 54% YoY and by 9% from the previous quarter
The net income has grown by 18% YoY
The P/E is 28% below the 5-year quarterly average of 9.6 but 13% above the last 4 quarters average of 6.1

Key stats

What are the main financial stats of PFC
Market
Shares outstanding
35.81M
Market cap
$762.82M
Enterprise value
$1.03B
Valuations
Price to book (P/B)
0.78
Price to sales (P/S)
2.54
EV/EBIT
7.37
EV/EBITDA
6.89
EV/Sales
3.43
Earnings
Revenue
$299.87M
EBIT
$139.53M
EBITDA
$149.25M
Free cash flow
$64.73M
Per share
EPS
$3.1
Free cash flow per share
$1.81
Book value per share
$27.27
Revenue per share
$8.39
TBVPS
$232.98
Balance sheet
Total assets
$8.63B
Total liabilities
$7.66B
Debt
$355.12M
Equity
$974.34M
Working capital
N/A
Liquidity
Debt to equity
0.36
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.78
Margins
EBITDA margin
49.8%
Gross margin
100%
Net margin
37%
Operating margin
46.5%
Efficiency
Return on assets
1.3%
Return on equity
11.7%
Return on invested capital
1.6%
Return on capital employed
N/A
Return on sales
46.5%
Dividend
Dividend yield
5.82%
DPS
$1.24
Payout ratio
40%

PFC stock price

How has the Premier Financial stock price performed over time
Intraday
0.19%
1 week
0.24%
1 month
11.87%
1 year
45.19%
YTD
-11.62%
QTD
4.93%

Financial performance

How have Premier Financial's revenue and profit performed over time
Revenue
$299.87M
Gross profit
$299.87M
Operating income
$139.53M
Net income
$110.94M
Gross margin
100%
Net margin
37%
Premier Financial's operating income has increased by 20% YoY
The net income has grown by 18% YoY
The operating margin is up by 13% year-on-year
Premier Financial's net margin has increased by 11% YoY

Growth

What is Premier Financial's growth rate over time

Valuation

What is Premier Financial stock price valuation
P/E
6.87
P/B
0.78
P/S
2.54
EV/EBIT
7.37
EV/EBITDA
6.89
EV/Sales
3.43
The P/E is 28% below the 5-year quarterly average of 9.6 but 13% above the last 4 quarters average of 6.1
PFC's EPS is up by 17% year-on-year
The price to book (P/B) is 22% lower than the 5-year quarterly average of 1.0 but 11% higher than the last 4 quarters average of 0.7
PFC's equity is up by 7% year-on-year
PFC's price to sales (P/S) is 23% lower than its 5-year quarterly average of 3.3 but 15% higher than its last 4 quarters average of 2.2
Premier Financial's revenue has increased by 6% YoY

Efficiency

How efficient is Premier Financial business performance
The company's return on assets rose by 18% YoY
PFC's ROIC is up by 14% YoY
PFC's return on sales is up by 13% year-on-year
The ROE has grown by 11% YoY

Dividends

What is PFC's dividend history
DPS
$1.24
Dividend yield
5.82%
Payout ratio
40%
Recent dividends

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 64% less than its equity
The debt to equity has plunged by 57% YoY and by 10% from the previous quarter
Premier Financial's debt has plunged by 54% YoY and by 9% from the previous quarter

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