PREMIER FINANCIAL CORP (PFC) Stock Fundamental Analysis
NASDAQ:PFC - Nasdaq - US74052F1084 - Common Stock - Currency: USD
We assign a fundamental rating of 4 out of 10 to PFC. PFC was compared to 405 industry peers in the Banks industry. Both the profitability and financial health of PFC have multiple concerns. PFC has a correct valuation and a medium growth rate. Finally PFC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year PFC was profitable.
PFC had a positive operating cash flow in the past year.
PFC had positive earnings in each of the past 5 years.
In multiple years PFC reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.01%, PFC is in the better half of the industry, outperforming 70.43% of the companies in the same industry.
With a Return On Equity value of 8.65%, PFC perfoms like the industry average, outperforming 55.39% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.01% | ||
| ROE | 8.65% | ||
| ROIC | N/A |
ROA(3y)1.11%
ROA(5y)1.18%
ROE(3y)10.01%
ROE(5y)9.75%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of PFC (28.19%) is better than 79.20% of its industry peers.
PFC's Profit Margin has declined in the last couple of years.
PFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.19% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.5%
PM growth 5Y-1.55%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
PFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PFC has more shares outstanding
PFC has more shares outstanding than it did 5 years ago.
The debt/assets ratio for PFC has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of PFC is 0.96, which is an excellent value as it means it would take PFC, only 0.96 years of fcf income to pay off all of its debts.
PFC has a better Debt to FCF ratio (0.96) than 78.45% of its industry peers.
PFC has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.09, PFC is doing good in the industry, outperforming 75.94% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.96 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.78%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for PFC have decreased strongly by -36.01% in the last year.
The Earnings Per Share has been decreasing by -4.61% on average over the past years.
PFC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -18.34%.
Measured over the past years, PFC shows a quite strong growth in Revenue. The Revenue has been growing by 9.38% on average per year.
EPS 1Y (TTM)-36.01%
EPS 3Y-16.27%
EPS 5Y-4.61%
EPS Q2Q%3.57%
Revenue 1Y (TTM)-18.34%
Revenue growth 3Y-6.47%
Revenue growth 5Y9.38%
Sales Q2Q%-0.5%
3.2 Future
Based on estimates for the next years, PFC will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.71% on average per year.
PFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.56% yearly.
EPS Next Y11.86%
EPS Next 2Y10.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.79%
Revenue Next 2Y6.56%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 14.21, which indicates a correct valuation of PFC.
Compared to the rest of the industry, the Price/Earnings ratio of PFC is on the same level as its industry peers.
When comparing the Price/Earnings ratio of PFC to the average of the S&P500 Index (29.63), we can say PFC is valued rather cheaply.
With a Price/Forward Earnings ratio of 12.70, PFC is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PFC is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 22.68. PFC is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.21 | ||
| Fwd PE | 12.7 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, PFC is valued a bit cheaper than the industry average as 63.41% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.95 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.2
PEG (5Y)N/A
EPS Next 2Y10.71%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PFC has a Yearly Dividend Yield of 4.28%, which is a nice return.
Compared to an average industry Dividend Yield of 3.18, PFC pays a better dividend. On top of this PFC pays more dividend than 83.21% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.27, PFC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.28% |
5.2 History
On average, the dividend of PFC grows each year by 14.09%, which is quite nice.
PFC has been paying a dividend for at least 10 years, so it has a reliable track record.
PFC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)14.09%
Div Incr Years12
Div Non Decr Years13
5.3 Sustainability
PFC pays out 50.35% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of PFC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP50.35%
EPS Next 2Y10.71%
EPS Next 3YN/A
28.28
-0.68 (-2.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners70.49%
Inst Owner Change-82.6%
Ins Owners2.16%
Ins Owner Change1.82%
Market Cap1.01B
Analysts72.5
Price Target27.12 (-4.1%)
Short Float %0.64%
Short Ratio1.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.28% |
Yearly Dividend1.24
Dividend Growth(5Y)14.09%
DP50.35%
Div Incr Years12
Div Non Decr Years13
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-10.56%
Min EPS beat(2)-12.21%
Max EPS beat(2)-8.91%
EPS beat(4)1
Avg EPS beat(4)-5.3%
Min EPS beat(4)-12.21%
Max EPS beat(4)4.75%
EPS beat(8)3
Avg EPS beat(8)10.98%
EPS beat(12)4
Avg EPS beat(12)5.55%
EPS beat(16)7
Avg EPS beat(16)8.2%
Revenue beat(2)0
Avg Revenue beat(2)-5.77%
Min Revenue beat(2)-9.54%
Max Revenue beat(2)-2%
Revenue beat(4)0
Avg Revenue beat(4)-7.28%
Min Revenue beat(4)-14.14%
Max Revenue beat(4)-2%
Revenue beat(8)2
Avg Revenue beat(8)-2.94%
Revenue beat(12)6
Avg Revenue beat(12)6.79%
Revenue beat(16)10
Avg Revenue beat(16)13.79%
PT rev (1m)0%
PT rev (3m)5.28%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)3.23%
EPS NY rev (3m)3.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.42%
Revenue NY rev (3m)-0.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.21 | ||
| Fwd PE | 12.7 | ||
| P/S | 3.25 | ||
| P/FCF | 10.95 | ||
| P/OCF | 10.46 | ||
| P/B | 1 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.99
EY7.04%
EPS(NY)2.23
Fwd EY7.87%
FCF(TTM)2.58
FCFY9.13%
OCF(TTM)2.7
OCFY9.56%
SpS8.71
BVpS28.41
TBVpS19.41
PEG (NY)1.2
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.01% | ||
| ROE | 8.65% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.19% | ||
| GM | N/A | ||
| FCFM | 29.64% |
ROA(3y)1.11%
ROA(5y)1.18%
ROE(3y)10.01%
ROE(5y)9.75%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.5%
PM growth 5Y-1.55%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.96 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 46.01% | ||
| Cap/Sales | 1.4% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 105.14% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC13.78%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-36.01%
EPS 3Y-16.27%
EPS 5Y-4.61%
EPS Q2Q%3.57%
EPS Next Y11.86%
EPS Next 2Y10.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-18.34%
Revenue growth 3Y-6.47%
Revenue growth 5Y9.38%
Sales Q2Q%-0.5%
Revenue Next Year6.79%
Revenue Next 2Y6.56%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-9.27%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-11.73%
OCF growth 3YN/A
OCF growth 5YN/A