Logo image of PFC

PREMIER FINANCIAL CORP (PFC) Stock Fundamental Analysis

NASDAQ:PFC - Nasdaq - US74052F1084 - Common Stock

25.3  +0.11 (+0.44%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to PFC. PFC was compared to 405 industry peers in the Banks industry. There are concerns on the financial health of PFC while its profitability can be described as average. PFC is valued correctly, but it does not seem to be growing. PFC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

1. Profitability

1.1 Basic Checks

In the past year PFC was profitable.
In the past year PFC had a positive cash flow from operations.
Each year in the past 5 years PFC has been profitable.
PFC had a positive operating cash flow in 4 of the past 5 years.
PFC Yearly Net Income VS EBIT VS OCF VS FCFPFC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M -50M 100M 150M

1.2 Ratios

PFC has a Return On Assets of 1.01%. This is in the better half of the industry: PFC outperforms 71.36% of its industry peers.
Looking at the Return On Equity, with a value of 8.65%, PFC is in line with its industry, outperforming 56.78% of the companies in the same industry.
Industry RankSector Rank
ROA 1.01%
ROE 8.65%
ROIC N/A
ROA(3y)1.39%
ROA(5y)1.29%
ROE(3y)11.73%
ROE(5y)10.63%
ROIC(3y)N/A
ROIC(5y)N/A
PFC Yearly ROA, ROE, ROICPFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

PFC's Profit Margin of 28.19% is fine compared to the rest of the industry. PFC outperforms 79.65% of its industry peers.
In the last couple of years the Profit Margin of PFC has grown nicely.
The Operating Margin and Gross Margin are not available for PFC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 28.19%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y18.25%
PM growth 5Y2.87%
GM growth 3YN/A
GM growth 5YN/A
PFC Yearly Profit, Operating, Gross MarginsPFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30 40

More info and screens

3

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
Compared to 5 years ago, PFC has more shares outstanding
Compared to 1 year ago, PFC has an improved debt to assets ratio.
PFC Yearly Shares OutstandingPFC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M
PFC Yearly Total Debt VS Total AssetsPFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B 8B

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.
With a decent Debt to FCF ratio value of 0.96, PFC is doing good in the industry, outperforming 77.89% of the companies in the same industry.
PFC has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
PFC has a better Debt to Equity ratio (0.09) than 76.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.96
Altman-Z N/A
ROIC/WACCN/A
WACC14.33%
PFC Yearly LT Debt VS Equity VS FCFPFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PFC Yearly Current Assets VS Current LiabilitesPFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M

More info and screens

3

3. Growth

3.1 Past

PFC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -39.57%.
PFC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.36% yearly.
The Revenue has decreased by -2.48% in the past year.
PFC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.86% yearly.
EPS 1Y (TTM)-39.57%
EPS 3Y8.42%
EPS 5Y6.36%
EPS Q2Q%-33.33%
Revenue 1Y (TTM)-2.48%
Revenue growth 3Y2.17%
Revenue growth 5Y15.86%
Sales Q2Q%6.16%

3.2 Future

PFC is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -7.78% yearly.
PFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.97% yearly.
EPS Next Y-37.65%
EPS Next 2Y-16.73%
EPS Next 3Y-7.78%
EPS Next 5YN/A
Revenue Next Year-8.19%
Revenue Next 2Y-0.77%
Revenue Next 3Y1.97%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.
PFC Yearly Revenue VS EstimatesPFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
PFC Yearly EPS VS EstimatesPFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.84 indicates a correct valuation of PFC.
PFC's Price/Earnings is on the same level as the industry average.
PFC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.29.
A Price/Forward Earnings ratio of 11.73 indicates a reasonable valuation of PFC.
PFC's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.44, PFC is valued rather cheaply.
Industry RankSector Rank
PE 12.84
Fwd PE 11.73
PFC Price Earnings VS Forward Price EarningsPFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, PFC is valued a bit cheaper than the industry average as 71.36% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.79
EV/EBITDA N/A
PFC Per share dataPFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

A cheap valuation may be justified as PFC's earnings are expected to decrease with -7.78% in the coming years.
PEG (NY)N/A
PEG (5Y)2.02
EPS Next 2Y-16.73%
EPS Next 3Y-7.78%

More info and screens

8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.99%, PFC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.22, PFC pays a better dividend. On top of this PFC pays more dividend than 90.20% of the companies listed in the same industry.
PFC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.28.
Industry RankSector Rank
Dividend Yield 4.99%

5.2 History

The dividend of PFC is nicely growing with an annual growth rate of 14.09%!
PFC has paid a dividend for at least 10 years, which is a reliable track record.
PFC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)14.09%
Div Incr Years12
Div Non Decr Years13
PFC Yearly Dividends per sharePFC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6 0.8 1

5.3 Sustainability

50.35% of the earnings are spent on dividend by PFC. This is a bit on the high side, but may be sustainable.
The Dividend Rate of PFC has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP50.35%
EPS Next 2Y-16.73%
EPS Next 3Y-7.78%
PFC Yearly Income VS Free CF VS DividendPFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M -50M 100M 150M
PFC Dividend Payout.PFC Dividend Payout, showing the Payout Ratio.PFC Dividend Payout.PayoutRetained Earnings

More info and screens

PREMIER FINANCIAL CORP

NASDAQ:PFC (1/22/2025, 11:46:29 AM)

25.3

+0.11 (+0.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2024-10-22/amc
Earnings (Next)01-28 2025-01-28/amc
Inst Owners68.91%
Inst Owner Change0.5%
Ins Owners2.13%
Ins Owner Change0.46%
Market Cap906.75M
Analysts72.5
Price Target27.12 (7.19%)
Short Float %1.58%
Short Ratio3.67
Dividend
Industry RankSector Rank
Dividend Yield 4.99%
Yearly Dividend1.24
Dividend Growth(5Y)14.09%
DP50.35%
Div Incr Years12
Div Non Decr Years13
Ex-DateN/A
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)1
Avg Revenue beat(2)1.48%
Min Revenue beat(2)-9.54%
Max Revenue beat(2)12.5%
Revenue beat(4)1
Avg Revenue beat(4)-3.65%
Min Revenue beat(4)-14.14%
Max Revenue beat(4)12.5%
Revenue beat(8)3
Avg Revenue beat(8)-1.12%
Revenue beat(12)7
Avg Revenue beat(12)8%
Revenue beat(16)11
Avg Revenue beat(16)14.7%
PT rev (1m)5.28%
PT rev (3m)6.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-12.6%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.79%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-12.57%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.74%
Valuation
Industry RankSector Rank
PE 12.84
Fwd PE 11.73
P/S 2.9
P/FCF 9.79
P/OCF 9.35
P/B 0.89
P/tB 1.3
EV/EBITDA N/A
EPS(TTM)1.97
EY7.79%
EPS(NY)2.16
Fwd EY8.52%
FCF(TTM)2.58
FCFY10.22%
OCF(TTM)2.71
OCFY10.7%
SpS8.72
BVpS28.43
TBVpS19.43
PEG (NY)N/A
PEG (5Y)2.02
Profitability
Industry RankSector 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)1.39%
ROA(5y)1.29%
ROE(3y)11.73%
ROE(5y)10.63%
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 3Y18.25%
PM growth 5Y2.87%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector 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
WACC14.33%
ROIC/WACCN/A
Cap/Depr(3y)48.67%
Cap/Depr(5y)41.74%
Cap/Sales(3y)1.71%
Cap/Sales(5y)1.78%
Profit Quality(3y)120.98%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-39.57%
EPS 3Y8.42%
EPS 5Y6.36%
EPS Q2Q%-33.33%
EPS Next Y-37.65%
EPS Next 2Y-16.73%
EPS Next 3Y-7.78%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.48%
Revenue growth 3Y2.17%
Revenue growth 5Y15.86%
Sales Q2Q%6.16%
Revenue Next Year-8.19%
Revenue Next 2Y-0.77%
Revenue Next 3Y1.97%
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-44.56%
FCF growth 3YN/A
FCF growth 5Y7.51%
OCF growth 1Y-43.1%
OCF growth 3YN/A
OCF growth 5Y7.81%