PREMIER FINANCIAL CORP (PFC) Stock Fundamental Analysis
NASDAQ:PFC - Nasdaq - US74052F1084 - Common Stock - Currency: USD
We assign a fundamental rating of 4 out of 10 to PFC. PFC was compared to 396 industry peers in the Banks industry. PFC may be in some trouble as it scores bad on both profitability and health. PFC is valied quite expensively at the moment, while it does show a decent growth rate. PFC also has an excellent dividend rating.
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.
PFC had positive earnings in each of the past 5 years.
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
The Return On Assets of PFC (1.01%) is better than 68.32% of its industry peers.
The Return On Equity of PFC (8.65%) is comparable to the rest of the industry.
| 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
PFC has a better Profit Margin (28.19%) 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 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.
PFC has more shares outstanding than it did 1 year ago.
The number of shares outstanding for PFC has been increased compared to 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 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 better Debt to FCF ratio (0.96) than 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 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.
PFC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.61% yearly.
PFC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -18.34%.
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
The Earnings Per Share is expected to grow by 10.71% on average over the next years. This is quite good.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
The Price/Earnings ratio is 14.09, which indicates a correct valuation of PFC.
Compared to the rest of the industry, the Price/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.
PFC is valuated rather cheaply when we compare the Price/Earnings ratio to 27.50, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 12.60 indicates a correct valuation of PFC.
Based on the Price/Forward Earnings ratio, PFC is valued a bit more expensive than the industry average as 61.63% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.44, 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 ratio is in line with the industry average.
| 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
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 3.25. PFC pays more dividend than 80.69% of the companies in the same industry.
PFC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| 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
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
28.04
-0.03 (-0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners70.49%
Inst Owner Change0%
Ins Owners2.16%
Ins Owner Change1.92%
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-Date
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