PREMIER FINANCIAL CORP (PFC)
US74052F1084 - Common Stock
Overall PFC gets a fundamental rating of 4 out of 10. We evaluated PFC against 412 industry peers in the Banks industry. PFC has a medium profitability rating, but doesn't score so well on its financial health evaluation. PFC has a correct valuation and a medium growth rate. Finally PFC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
PFC had positive earnings in the past year.
In the past year PFC had a positive cash flow from operations.
In the past 5 years PFC has always been profitable.
Of the past 5 years PFC 4 years had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 1.29%, PFC belongs to the best of the industry, outperforming 81.07% of the companies in the same industry.
PFC has a Return On Equity of 11.39%. This is in the better half of the industry: PFC outperforms 73.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.29% | ||
| ROE | 11.39% | ||
| 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
1.3 Margins
PFC's Profit Margin of 36.07% is amongst the best of the industry. PFC outperforms 90.29% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 36.07% | ||
| 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
2. Health
2.1 Basic Checks
PFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
PFC has more shares outstanding than it did 1 year ago.
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 1.28, which is an excellent value as it means it would take PFC, only 1.28 years of fcf income to pay off all of its debts.
PFC has a better Debt to FCF ratio (1.28) than 71.84% of its industry peers.
A Debt/Equity ratio of 0.09 indicates that PFC is not too dependend on debt financing.
The Debt to Equity ratio of PFC (0.09) is better than 77.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 1.28 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.59%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.74%, which is quite good.
Measured over the past 5 years, PFC shows a small growth in Earnings Per Share. The EPS has been growing by 6.36% on average per year.
The Revenue has been growing slightly by 0.96% in the past year.
Measured over the past years, PFC shows a quite strong growth in Revenue. The Revenue has been growing by 15.86% on average per year.
EPS 1Y (TTM)8.74%
EPS 3Y8.42%
EPS 5Y6.36%
EPS growth Q2Q-21.13%
Revenue 1Y (TTM)0.96%
Revenue growth 3Y2.17%
Revenue growth 5Y15.86%
Revenue growth Q2Q-16.23%
3.2 Future
The Earnings Per Share is expected to decrease by -12.12% on average over the next years. This is quite bad
The Revenue is expected to grow by 5.77% on average over the next years.
EPS Next Y-30.42%
EPS Next 2Y-12.12%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.63%
Revenue Next 2Y5.77%
Revenue Next 3YN/A
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 6.44 indicates a rather cheap valuation of PFC.
Compared to the rest of the industry, the Price/Earnings ratio of PFC indicates a rather cheap valuation: PFC is cheaper than 91.02% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of PFC to the average of the S&P500 Index (24.76), we can say PFC is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.26, the valuation of PFC can be described as reasonable.
PFC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. PFC is cheaper than 68.69% of the companies in the same industry.
PFC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.44 | ||
| Fwd PE | 9.26 |
4.2 Price Multiples
PFC's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.21 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as PFC's earnings are expected to decrease with -12.12% in the coming years.
PEG (NY)N/A
PEG (5Y)1.01
EPS Next 2Y-12.12%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PFC has a Yearly Dividend Yield of 6.41%, which is a nice return.
PFC's Dividend Yield is rather good when compared to the industry average which is at 3.92. PFC pays more dividend than 91.99% of the companies in the same industry.
PFC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.41% |
5.2 History
The dividend of PFC is nicely growing with an annual growth rate of 14.09%!
PFC has been paying a dividend for at least 10 years, so it has a reliable track record.
PFC has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)14.09%
Div Incr Years5
Div Non Decr Years5
5.3 Sustainability
39.84% of the earnings are spent on dividend by PFC. This is a low number and sustainable payout ratio.
DP39.84%
EPS Next 2Y-12.12%
EPS Next 3YN/A
PREMIER FINANCIAL CORP
NASDAQ:PFC (4/19/2024, 3:30:01 PM)
After market: 20.03 0 (0%)20.03
+0.83 (+4.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap717.07M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.41% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
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Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.44 | ||
| Fwd PE | 9.26 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.01
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.29% | ||
| ROE | 11.39% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 36.07% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)8.74%
EPS 3Y8.42%
EPS 5Y
EPS growth Q2Q
EPS Next Y-30.42%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)0.96%
Revenue growth 3Y2.17%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y