PREMIER FINANCIAL CORP (PFC) Fundamental Analysis & Valuation

NASDAQ:PFC • US74052F1084

Current stock price

28.04 USD
-0.03 (-0.11%)
At close:
28.04 USD
0 (0%)
After Hours:

This PFC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. PFC Profitability Analysis

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.
  • In multiple years PFC reported negative operating cash flow during the last 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M 150M

1.2 Ratios

  • PFC's Return On Assets of 1.01% is fine compared to the rest of the industry. PFC outperforms 68.32% of its industry peers.
  • PFC has a Return On Equity of 8.65%. This is comparable to the rest of the industry: PFC outperforms 53.71% of its industry peers.
Industry RankSector 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
PFC Yearly ROA, ROE, ROICPFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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.
  • PFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
PFC Yearly Profit, Operating, Gross MarginsPFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. PFC Health Analysis

2.1 Basic Checks

  • PFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for PFC has been increased compared to 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.
PFC Yearly Shares OutstandingPFC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
PFC Yearly Total Debt VS Total AssetsPFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 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.
  • PFC has a Debt to FCF ratio of 0.96. This is in the better half of the industry: PFC outperforms 77.72% of its industry peers.
  • A Debt/Equity ratio of 0.09 indicates that PFC is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.09, PFC is doing good in the industry, outperforming 75.74% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.96
Altman-Z N/A
ROIC/WACCN/A
WACC13.74%
PFC Yearly LT Debt VS Equity VS FCFPFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. PFC Growth Analysis

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%.
  • PFC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.38% yearly.
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

  • PFC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.71% yearly.
  • 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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
PFC Yearly Revenue VS EstimatesPFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

More info and screens

Find the best growth stocksShow best growing peers

3

4. PFC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 14.09 indicates a correct valuation of PFC.
  • PFC's Price/Earnings ratio is a bit more expensive when compared to the industry. PFC is more expensive than 61.63% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of PFC to the average of the S&P500 Index (25.71), we can say PFC is valued slightly cheaper.
  • Based on the Price/Forward Earnings ratio of 12.60, the valuation of PFC can be described as correct.
  • 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 23.83, PFC is valued a bit cheaper.
Industry RankSector Rank
PE 14.09
Fwd PE 12.6
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

  • PFC's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 10.88
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

  • 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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. PFC Dividend Analysis

5.1 Amount

  • PFC has a Yearly Dividend Yield of 4.42%, which is a nice return.
  • PFC's Dividend Yield is rather good when compared to the industry average which is at 2.90. PFC pays more dividend than 80.69% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.91, PFC pays a better dividend.
Industry RankSector 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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.
  • PFC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP50.35%
EPS Next 2Y10.71%
EPS Next 3YN/A
PFC Yearly Income VS Free CF VS DividendPFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M 150M
PFC Dividend Payout.PFC Dividend Payout, showing the Payout Ratio.PFC Dividend Payout.PayoutRetained Earnings

More info and screens

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PFC Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)04-21
Inst Owners70.49%
Inst Owner Change-100%
Ins Owners2.16%
Ins Owner Change0%
Market Cap1.01B
Revenue(TTM)251.48M
Net Income(TTM)88.11M
Analysts48
Price Target27.12 (-3.28%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.42%
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)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 RankSector 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
Graham NumberN/A
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)1.11%
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
ROICexgc growth 3YN/A
ROICexgc 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 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
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 Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for PREMIER FINANCIAL CORP?

ChartMill assigns a fundamental rating of 4 / 10 to PFC.


What is the valuation status of PREMIER FINANCIAL CORP (PFC) stock?

ChartMill assigns a valuation rating of 4 / 10 to PREMIER FINANCIAL CORP (PFC). This can be considered as Fairly Valued.


How profitable is PREMIER FINANCIAL CORP (PFC) stock?

PREMIER FINANCIAL CORP (PFC) has a profitability rating of 3 / 10.


How financially healthy is PREMIER FINANCIAL CORP?

The financial health rating of PREMIER FINANCIAL CORP (PFC) is 3 / 10.


Can you provide the expected EPS growth for PFC stock?

The Earnings per Share (EPS) of PREMIER FINANCIAL CORP (PFC) is expected to grow by 11.86% in the next year.