28.04 USD
-0.03 (-0.11%)
28.04 USD
0 (0%)
PFC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. PFC has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, PFC is valued expensive at the moment. 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.
- The reported operating cash flow has been mixed in the past 5 years: PFC reported negative operating cash flow in multiple years.
1.2 Ratios
- With a decent Return On Assets value of 1.01%, PFC is doing good in the industry, outperforming 68.32% of the companies in the same industry.
- 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 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
- Looking at the Profit Margin, with a value of 28.19%, PFC is in the better half of the industry, outperforming 78.22% of the companies in the same industry.
- 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
2. Health
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.
- PFC has a better debt/assets ratio than last year.
2.2 Solvency
- PFC has a debt to FCF ratio of 0.96. This is a very positive value and a sign of high solvency as it would only need 0.96 years to pay back of all of its debts.
- With a decent Debt to FCF ratio value of 0.96, PFC is doing good in the industry, outperforming 77.72% 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's Debt to Equity ratio of 0.09 is fine compared to the rest of the industry. PFC outperforms 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 |
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.
- The Revenue for PFC has decreased by -18.34% in the past year. This is quite bad
- 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
- The Earnings Per Share is expected to grow by 10.71% on average over the next years. This is quite good.
- Based on estimates for the next years, PFC will show a small growth in Revenue. The Revenue will grow by 6.56% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
- PFC is valuated correctly with a Price/Earnings ratio of 14.09.
- 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.
- Compared to an average S&P500 Price/Earnings ratio of 27.21, PFC is valued a bit cheaper.
- With a Price/Forward Earnings ratio of 12.60, PFC is valued correctly.
- PFC's Price/Forward 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/Forward Earnings ratio of PFC to the average of the S&P500 Index (25.98), we can say PFC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.09 | ||
| Fwd PE | 12.6 |
4.2 Price Multiples
- PFC's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.88 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- PFC's 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
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.42%, PFC is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.61, PFC pays a better dividend. On top of this PFC pays more dividend than 80.69% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.81, 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 been paying a dividend for at least 10 years, so it has 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
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.
- 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
PREMIER FINANCIAL CORP / PFC 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.