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 393 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
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.
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's Profit Margin of 28.19% is fine compared to the rest of the industry. PFC outperforms 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.
Compared to 1 year ago, PFC has more shares outstanding
Compared to 5 years ago, PFC has more shares outstanding
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.
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.
PFC has a Debt to Equity ratio of 0.09. This is in the better half 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.
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
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.
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
The Price/Earnings ratio is 14.09, which indicates a correct valuation of PFC.
Based on the Price/Earnings ratio, PFC is valued a bit more expensive than the industry average as 61.63% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 26.85. PFC is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 12.60, which indicates a correct valuation of PFC.
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.
PFC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.98.
| 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
5. Dividend
5.1 Amount
PFC has a Yearly Dividend Yield of 4.42%, which is a nice return.
Compared to an average industry Dividend Yield of 3.41, PFC pays a better dividend. On top of this PFC pays more dividend than 80.69% of the companies listed in the same industry.
PFC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.42% |
5.2 History
On average, the dividend of PFC grows each year by 14.09%, which is quite nice.
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
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 Change-80.4%
Ins Owners2.16%
Ins Owner Change0.51%
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