PFC Fundamental Analysis - PREMIER FINANCIAL CORP

Fundamental Rating

Taking everything into account, PFC scores 4 out of 10 in our fundamental rating. PFC was compared to 395 industry peers in the Banks industry. PFC may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, PFC is valued expensive at the moment. Finally PFC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year PFC was profitable.

PFC had a positive operating cash flow in the past year.

Each year in the past 5 years PFC has been profitable.

In multiple years PFC reported negative operating cash flow during the last 5 years.

1.2 Ratios

PFC has a better Return On Assets (1.01%) than 68.32% of its industry peers.

PFC's Return On Equity of 8.65% is in line compared to the rest of the industry. PFC outperforms 53.71% of its industry peers.

		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 78.22% of its industry peers.

In the last couple of years the Profit Margin of PFC has declined.

The Operating Margin and Gross Margin are not available for PFC so they could not be analyzed.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

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's Debt to FCF ratio of 0.96 is fine compared to the rest of the industry. PFC outperforms 77.72% 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.

PFC has a better Debt to Equity ratio (0.09) than 75.74% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.09
Debt/FCF	0.96
Altman-Z	N/A

ROIC/WACCN/A

WACC13.74%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

Looking at the last year, PFC shows a very negative growth in Revenue. The Revenue has decreased by -18.34% in the last year.

The Revenue has been growing by 9.38% on average over the past years. This is quite good.

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

The EPS growth rate is accelerating: in the next years the growth will be better 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.

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4. Valuation

4.1 Price/Earnings Ratio

PFC is valuated correctly with a Price/Earnings ratio of 14.09.

61.63% of the companies in the same industry are cheaper than PFC, based on the Price/Earnings ratio.

The average S&P500 Price/Earnings ratio is at 26.57. PFC is valued slightly cheaper when compared to this.

With a Price/Forward Earnings ratio of 12.60, PFC is valued correctly.

Compared to the rest of the industry, the Price/Forward Earnings ratio of PFC indicates a slightly more expensive valuation: PFC is more expensive than 61.63% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.41, PFC is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	14.09
Fwd PE	12.6

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of PFC is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	10.88
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)1.19

PEG (5Y)N/A

EPS Next 2Y10.71%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.42%, PFC is a good candidate for dividend investing.

PFC's Dividend Yield is rather good when compared to the industry average which is at 3.46. PFC pays more dividend than 80.69% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.40, PFC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.42%

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 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

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 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

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PREMIER FINANCIAL CORP

NASDAQ:PFC (2/28/2025, 8:07:51 PM)

After market: 28.04 0 (0%)

28.04

-0.03 (-0.11%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-21 2025-01-21/amc

Earnings (Next)04-21 2025-04-21/amc

Inst Owners70.49%

Inst Owner Change-97.03%

Ins Owners2.16%

Ins Owner Change2.79%

Market Cap1.01B

Analysts48

Price Target27.12 (-3.28%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.42%

Yearly Dividend1.24

Dividend Growth(5Y)14.09%

DP50.35%

Div Incr Years12

Div Non Decr Years13

Ex-Date01-31 2025-01-31 (0.31)

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)0%

EPS NY rev (3m)3.23%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.42%

Valuation

		Industry Rank	Sector Rank
PE	14.09
Fwd PE	12.6
P/S	3.22
P/FCF	10.88
P/OCF	10.39
P/B	0.99
P/tB	1.45
EV/EBITDA	N/A

EPS(TTM)1.99

EY7.1%

EPS(NY)2.23

Fwd EY7.94%

FCF(TTM)2.58

FCFY9.2%

OCF(TTM)2.7

OCFY9.63%

SpS8.7

BVpS28.36

TBVpS19.38

PEG (NY)1.19

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

WACC13.74%

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

PREMIER FINANCIAL CORP (PFC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens